Rip off Britain

Recently received quote for new Harley. Cost £18,000 new, £5,400 deposit, balance to finance £12,600 over 36 payments. Cost per month ,£223.14 with a final payment of £8,718.

Total charge for credit a whopping £4226.04 which equates to approx 33.54% over the payback period. Total cost of bike £22,226.04. They say its a good deal what do you think? I think its extortionate.