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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
All809£12,243433,9741,685
Aberdeen City1£19,4980108
Aberdeenshire1£12,995217,9032
Antrim4£13,115435,28017
Ards3£10,911650,4147
Armagh1£12,995454,650-
Ballymena1£9,499552,407-
Barking & Dagenham - Greater London1£11,999459,930-
Bedfordshire13£10,346549,73221
Belfast4£13,343425,2316
Berkshire16£11,127540,89320
Bexley - Greater London4£15,245329,4388
Blaenau Gwent4£11,749531,76810
Bristol3£9,163630,2565
Bromley - Greater London4£9,455729,2551
Buckinghamshire14£11,658535,59914
Cambridgeshire19£10,297638,27534
Carmarthenshire7£12,421436,1558
Ceredigion2£22,7450-8
Cheshire19£11,828435,72230
City of Edinburgh15£15,345317,26128
City of London - Greater London5£13,287534,2464
Coleraine6£14,166440,2623
Conwy1£6,4951139,000-
Cornwall8£16,224216,4274
County Durham24£12,243433,90150
Craigavon2£12,398430,0164
Cumbria2£7,145958,1314
Denbighshire1£16,29536,8804
Derbyshire25£12,405427,80869
Derry10£15,456217,23116
Devon13£11,368443,87322
Dorset6£12,745633,44511
Dundee City2£12,248439,9892
Dungannon1£12,595231,5102
East Ayrshire11£13,488327,19935
East Riding of Yorkshire13£10,885445,60323
East Sussex6£14,727323,30010
Enfield - Greater London2£11,745540,9361
Essex9£12,548328,35419
Falkirk5£12,489329,4529
Fermanagh1£14,450216,216-
Fife4£11,036629,19310
Glasgow City15£16,348211,89948
Gloucestershire4£9,143660,56911
Greater Manchester35£11,068536,98790
Hampshire23£11,648542,65951
Harrow - Greater London1£9,995319,701-
Havering - Greater London2£14,222228,3147
Hertfordshire20£10,864440,76531
Highland14£17,92618,61915
Hillingdon - Greater London2£1,9951876,7432
Hounslow - Greater London2£7,390773,2883
Kent13£10,871537,57628
Lancashire48£11,458537,51398
Leicestershire9£12,599341,07133
Lincolnshire16£11,098437,93322
Lisburn4£11,220640,9152
Magherafelt5£11,939649,6832
Merseyside20£11,782436,81132
Monmouthshire1£11,995448,7821
Moray3£13,162428,1404
Newry and Mourne1£12,995323,9531
Newtownabbey4£10,422538,5535
Norfolk13£13,075432,42223
North Ayrshire6£11,769434,7302
North Lanarkshire1£10,995516,48510
North Yorkshire8£10,722446,35724
Northamptonshire11£10,255550,16919
Nottinghamshire7£12,150428,32719
Omagh1£11,250367,302-
Oxfordshire6£10,815339,52812
Perth and Kinross7£14,919318,24717
Redbridge - Greater London1£6,2501121,0001
Renfrewshire4£12,748426,48011
Rhondda Cynon Taf3£8,951761,896-
Scottish Borders2£11,747525,8132
Shropshire5£12,627325,38324
Somerset4£12,726331,31511
South Ayrshire3£13,439428,9186
South Yorkshire32£11,295542,00255
Staffordshire12£12,728432,23636
Stirling11£18,54318,37127
Strabane1£13,495534,6632
Suffolk7£12,091326,9924
Surrey5£11,346530,84315
Swansea3£14,995310,83312
Tyne and Wear26£12,214340,01174
Warwickshire2£12,029432,8582
West Dunbartonshire3£12,565334,2702
West Lothian14£15,995216,644119
West Midlands37£9,739650,85472
West Sussex7£15,013321,9707
West Yorkshire28£11,220534,45454
Wiltshire4£10,794538,5818
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