Hello, I have never done this before so just to be sure could some one explain is this as simple as it shown on the website. PS4 Console + Call of Duty Ghosts | PS4 | Video Games | ShopTo Where it says - Finance from £13.63 per month, I choose deposit £70 and 12 months payments of £30.47. It shows that interest paid is £40.83 and total amount payable is £435.68. My question is that the final total I will pay at the end of 12 moths? I don't get the 24.9% Representive APR does it add up and the end or is it already added to the price? 24.9% is not £40.83 interest or you need to add £70 to make it 24.9%? Also is Shopto.net legit? Never used the website before. Thanks.