The "rate of interest" is the interest expressed as a fixed percentage applied on an annual basis to the amount of credit taken.
Redemption is also known as a settlement, or early termination.
Regulated Credit Agreement is an Agreement which is regulated by the Consumer Credit Act (CCA).
Repossession is when a lender may be able to claim or take possession of any property, assets or investments that have been provided as security for the repayment of a loan in circumstances where the borrower cannot repay the loan.
The retailer is the person/company the vehicle is bought from.