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The initial annual percentage rate of charge (APR) is 5.63% under the following sample conditions: Asset price including VAT €20,000; Down payment 0%; Contract period 5 years; Number of instalments 60; Contract fee €0; Fixed annual interest rate 5.5%. Leasing amount €20,000; Residual value 40% of the acquisition cost; Total credit amount €23,962.6; Total repayment amount €23,962.6.

This rate was calculated on the basis of the main part of the loan and interest being repaid as monthly annuity payments. The sample conditions do not take into account the potential registration costs of the asset, state fees, valuation fees or the amount of annual motor and comprehensive insurance payments. Both motor and comprehensive insurance must be taken out when leasing a vehicle. Car leasing is offered by Coop Liising AS.

The annual percentage rate of charge on a small loan is 10,68% on the following sample terms: loan amount €5000, loan term in months 72, number of repayments 72, fixed interest rate per annum 8,9% as calculated on the loan balance, agreement fee €100, monthly administration fee €1,50, monthly instalment €91,25, total credit amount €6570,34 and total of repayments €6670,34. Small loans are provided by Coop Pank AS.