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Used Citroen C4 on Finance

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Rates from 9.9% APR. A Representative HP Example: borrowing £10,000 over 60 Months with a representative of 16.35% APR, an annual interest rate of 16.35% (fixed) and a deposit of £0.00, the amount payable would be 59 repayments of £239.16 per month, with one final repayment of £249.16 (which includes the option to purchase fee of £10.00), with a total cost of credit of £4,349.41 and a total amount payable of £14,359.41.

Getting a Citroen C4 on finance

  1. Research the Vehicle:

    • The Citroën C4 is a compact hatchback known for its unique design, comfort, and range of tech features.
    • Familiarise yourself with its various trim levels and specifications. Look into engine options, safety features, and infotainment packages.
    • When considering a used model, take note of the particular year of interest and any changes made in subsequent model refreshes.
  2. Searching for a Used Model:

    • For a solid deal on a used Citroën C4 on finance, start with Citroën's approved-used dealerships. These cars typically come with a certain warranty period and have been inspected to meet the manufacturer's criteria.
    • Broaden your search to online platforms, local dealerships, and car supermarkets to gauge availability and pricing.
  3. Finance Options:

    • Personal Contract Purchase (PCP): Begin with an upfront deposit, then monthly instalments. At the term's end, either pay a balloon payment to own the car, hand it back, or start a new finance agreement.
    • Hire Purchase (HP): Post deposit, repay the car's value in monthly instalments. Upon completing all payments, the vehicle is yours.
    • Leasing: Rent the Citroën C4 for a set period and then return it.
    • Personal Loan: Borrow funds from a bank or financial institution to purchase the car outright, then repay the loan in monthly instalments.
  4. Acquire and Compare Quotes:

    • Source finance quotes from Citroën dealerships and independent finance companies. Some may have special rates for those aiming to buy a used Citroën C4 on finance.
    • When comparing, focus on the APR (Annual Percentage Rate) to understand the total borrowing cost.
  5. Credit Score Implications:

    • Your finance terms and rates might be influenced by your credit score.
    • Prior to applying, check your credit standing with UK agencies such as Experian, Equifax, or TransUnion. Correct any discrepancies immediately.
  6. Budgeting:

    • Decide on a monthly payment figure that fits within your financial comfort zone.
    • Typically, a larger deposit will result in more manageable monthly payments.
  7. Understand the Agreement:

    • If considering a PCP or lease, be cognizant of any mileage caps.
    • Ensure you're aware of fees or penalties for early termination or mileage overages.
  8. Negotiate the Deal:

    • Armed with research, aim to negotiate both the vehicle's price and finance terms. Even when seeking a used Citroën C4 on finance, there's potential negotiation room.
    • Beyond the monthly payments, consider the total cost over the term of the agreement.
  9. Conclude the Purchase:

    • After finalizing terms, process the necessary paperwork.
    • Thoroughly read and comprehend all terms before signing any document.
    • Retain copies of the agreement and related paperwork.
  10. Insurance:

  • Secure adequate vehicle insurance before collecting the C4. It's worth shopping around to get the best deal.
  1. End-of-Agreement Decisions:
  • If on PCP: Decide if you'll pay the final balloon payment, return the car, or start a new finance agreement.
  • For HP: After all payments, the car becomes your property.
  • If leasing, prepare the vehicle for return, adhering to the contract's return standards.
  1. Factor in Other Costs:
  • Budget for other expenses such as road tax, maintenance, and potential wear-and-tear charges, especially if considering leasing or PCP.

When thinking about financing a car, always ensure the selected terms suit your current and anticipated future financial situations. If in doubt, seek advice from financial experts or trusted professionals.

About the Citroen C4

The Citroën C4 has historically been a staple in the hatchback segment, and its latest iterations further solidify its place with an intriguing blend of design, functionality, and innovation. Whether navigating urban jungles or cruising open roads, the C4 manages to stand out while delivering on all the essentials one expects from a car in its class.

Features and Specifications:

  • Distinctive Design: With a unique blend of sharp lines and flowing curves, the C4's design language captures attention. It's both modern and in line with Citroën’s long-standing commitment to distinct styling.

  • Engine Options: Citroën offers the C4 with a range of powertrains, from petrol and diesel to a fully electric variant, allowing users to choose what suits their driving habits and environmental concerns best.

  • Comfort-Oriented Cabin: The interior of the C4 is a haven of comfort, with advanced noise insulation, plush seating, and a layout designed to make every journey feel like a treat. The brand’s renowned "Advanced Comfort" programme ensures that the car’s suspension and cabin ergonomics remain top-notch.

  • Innovative Technology: The C4 is decked out with the latest in tech offerings, including a fully digital cockpit, a large touchscreen infotainment system, and a slew of driver assistance features to make every drive safer and more enjoyable.

Conclusion:

Citroën’s C4 brings a refreshing touch to the compact car segment. Its standout design, combined with a focus on comfort and a plethora of engine options, makes it a compelling choice for those looking for something a little different in their everyday vehicle. The model's legacy of delivering value and performance continues, making it a worthy contender in its category.

Buying Guide

Want to find out everything about all C4 models, pros and cons, what to look out for and everything else you need to know? Check out our Citroen C4 buying guide here.

Citroen C4 Data by County

Citroen C4 data for the amount in stock, average price, age and mileage throughout the UK and by county.

CountyStockAvg PriceAvg AgeAvg MileageRecent Sales
All868£12,155433,0731,867
Aberdeen City1£13,498222,71313
Aberdeenshire1£12,995217,9033
Angus1£11,299231,6082
Ards5£12,494537,8435
Armagh1£12,995454,650-
Ballymena1£9,799552,4071
Barking & Dagenham - Greater London1£11,999459,930-
Barnet - Greater London7£12,110317,3636
Bedfordshire16£9,971651,60722
Belfast10£13,277426,88921
Berkshire16£11,339538,29824
Bexley - Greater London5£15,795324,6158
Blaenau Gwent4£11,041636,01815
Bromley - Greater London4£9,852729,3311
Buckinghamshire11£11,721539,50917
Cambridgeshire25£10,858535,33641
Cardiff4£10,060633,7688
Carmarthenshire6£12,526434,3858
Carrickfergus2£11,995316,450-
Cheshire19£12,248431,04636
City of Edinburgh16£16,173216,01828
City of London - Greater London13£12,359523,81033
Clackmannanshire1£9,998551,0152
Coleraine5£11,085548,3135
Conwy1£6,4951139,000-
Cornwall5£14,899321,0636
County Durham22£14,257325,19647
Craigavon2£12,748430,0167
Croydon - Greater London1£10,950531,283-
Cumbria1£13,995226,8393
Denbighshire2£14,895315,0776
Derbyshire20£12,839325,13067
Derry12£14,303424,10618
Devon24£12,177441,22130
Dorset6£14,278428,80610
Dundee City1£12,498432,9392
Dungannon1£13,295231,5102
East Ayrshire14£14,764323,31432
East Riding of Yorkshire22£10,866444,13536
East Sussex4£14,199425,7729
Enfield - Greater London1£12,494422,7771
Essex10£12,131429,84418
Falkirk5£12,517329,47012
Fife3£10,605628,04913
Glasgow City16£16,584213,97841
Gloucestershire9£11,111540,39014
Greater Manchester45£11,897433,647109
Hampshire21£11,406437,21155
Harrow - Greater London1£10,495319,701-
Havering - Greater London3£16,52619,3495
Hertfordshire23£11,607432,75533
Highland23£18,88912,514129
Hillingdon - Greater London1£2,5001950,9852
Hounslow - Greater London1£5,790967,5903
Kent14£11,320537,14237
Lancashire43£11,002538,901108
Leicestershire8£11,405436,68831
Lincolnshire13£11,044435,84325
Lisburn2£14,195221,1652
Magherafelt5£12,739649,6832
Merseyside21£12,044432,73533
Moray4£13,495426,3584
Newport3£9,696655,23312
Newry and Mourne1£11,950532,115-
Newtownabbey2£12,495432,8535
Norfolk17£12,646536,73022
North Ayrshire6£11,799434,7301
North Down1£3,98912103,5811
North Yorkshire9£11,557340,45924
Northamptonshire11£10,400553,46720
Nottinghamshire11£13,351323,54031
Omagh1£11,250367,3021
Oxfordshire7£11,084339,70113
Perth and Kinross7£15,854213,96419
Redbridge - Greater London1£6,2501121,0001
Renfrewshire3£12,665423,86212
Rhondda Cynon Taf4£9,820652,546-
Scottish Borders1£11,995528,8362
Shropshire7£13,676322,49421
Somerset3£12,660333,51010
South Ayrshire4£11,004638,7937
South Lanarkshire2£12,397427,46011
South Yorkshire32£11,523542,17754
Staffordshire6£14,111429,27841
Stirling14£19,17602,04722
Suffolk5£11,318435,7264
Surrey10£11,634529,84518
Swansea4£13,997312,97613
Tyne and Wear26£11,970435,62880
Warwickshire3£11,564442,2384
West Lothian1£13,75039,9975
West Midlands41£10,249549,45875
West Sussex6£15,074323,23010
West Yorkshire25£11,986529,81058
Wiltshire6£12,428433,4189
Worcestershire3£14,860224,02210
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