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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
All780£11,995434,0161,622
Aberdeen City1£10,795343,5734
Antrim3£12,663432,84313
Ards5£11,434566,2457
Armagh2£9,620679,381-
Ballymena3£11,500434,258-
Ballymoney1£5,895962,280-
Barking & Dagenham - Greater London1£11,999459,930-
Bedfordshire9£14,319422,99518
Belfast2£12,745428,9559
Berkshire4£9,694751,04319
Bexley - Greater London8£15,006319,5041
Blaenau Gwent3£14,066325,0504
Bristol6£6,270960,2356
Bromley - Greater London2£9,492735,5002
Buckinghamshire16£9,689748,11114
Cambridgeshire22£10,348639,19429
Carmarthenshire4£11,743443,5766
Ceredigion2£13,495317,3476
Cheshire11£11,953540,15936
City of Edinburgh9£15,137318,82033
City of London - Greater London4£18,70212,9826
Coleraine6£14,972333,2504
Conwy1£6,4951139,000-
Cornwall1£12,999418,9844
County Durham23£11,380537,84164
Craigavon1£13,500320,1514
Cumbria1£12,750422,1685
Denbighshire3£16,42825,4774
Derbyshire35£12,092428,45652
Devon12£11,448441,31818
Dorset4£12,347335,91513
Dundee City2£11,897427,8534
East Ayrshire10£14,592323,95035
East Lothian1£10,899-42,960-
East Riding of Yorkshire6£10,956433,29616
East Sussex4£13,680323,6009
Enfield - Greater London2£11,495540,936-
Essex9£10,153534,21822
Falkirk3£13,998313,9696
Fermanagh1£14,450216,216-
Fife4£11,747515,5365
Glasgow City16£15,009221,34759
Gloucestershire9£11,936440,9678
Greater Manchester35£11,114438,60683
Hampshire26£11,838538,10543
Havering - Greater London3£9,969650,6857
Herefordshire1£8,495760,700-
Hertfordshire13£11,594332,23632
Highland7£18,49817,27823
Hillingdon - Greater London2£2,3901397,8352
Hounslow - Greater London1£5,7501051,0004
Isle of Wight1£10,995843,000-
Kent19£10,920538,80028
Lancashire47£11,329439,852106
Leicestershire11£11,320442,84025
Lincolnshire15£10,132542,49926
Lisburn1£13,695217,0736
Magherafelt5£11,939649,683-
Merseyside8£11,408535,81438
Moray2£12,995433,2484
Newtownabbey2£13,145437,8328
Norfolk14£13,156333,82621
North Ayrshire2£12,042431,1123
North Lanarkshire3£13,025418,5037
North Yorkshire6£12,481323,69427
Northamptonshire12£10,550444,33523
Northumberland1£5,2991051,7053
Nottinghamshire12£13,189325,04923
Oxfordshire2£12,819428,92412
Pembrokeshire2£12,699320,773-
Perth and Kinross5£15,698226,35520
Redbridge - Greater London1£6,2501121,000-
Renfrewshire1£12,998420,10612
Rhondda Cynon Taf4£7,368767,5181
Scottish Borders2£12,745423,8922
Shropshire12£14,079323,53417
Somerset4£13,414334,50617
South Ayrshire4£10,656638,7932
South Yorkshire29£11,948540,57868
Staffordshire13£12,363333,16626
Stirling7£18,78418,88535
Strabane2£12,995533,4431
Suffolk5£14,146532,3868
Surrey3£11,910531,41313
Swansea10£16,69526,4217
Tyne and Wear28£12,155334,85372
West Dunbartonshire1£14,99839,1734
West Lothian59£20,06603,38356
West Midlands29£10,042646,67877
West Sussex1£12,49538,90813
West Yorkshire26£9,888641,79356
Wiltshire5£11,056537,91310
Worcestershire4£8,174754,4156
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