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Representative example: A loan of €5,000 over 2 years will cost you €223.71 per month at a representative 7% APR. Total costs of your loan after 2 years will be €5,488.94. The costs include €368.93 interest at 4.6% (fixed) and a €120 fee. The total loan amount is €5,120 as the fee will be added to your loan.