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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
All723£11,963434,2441,665
Aberdeen City1£10,795343,5735
Antrim3£12,663432,83913
Ards4£11,169546,4617
Armagh1£12,490454,650-
Ballymena3£11,500434,258-
Ballymoney1£5,895962,280-
Barking & Dagenham - Greater London1£11,999459,930-
Bedfordshire9£14,320422,99519
Belfast2£12,745428,95510
Berkshire4£9,694751,04321
Bexley - Greater London8£15,006319,5041
Blaenau Gwent2£15,599318,3774
Bristol5£4,8951066,7796
Bromley - Greater London2£9,492735,5002
Buckinghamshire15£10,239746,03214
Cambridgeshire21£10,241641,73931
Carmarthenshire4£11,743443,5768
Ceredigion2£13,495317,3476
Cheshire12£11,139545,91736
City of Edinburgh8£14,561321,17134
City of London - Greater London4£18,76012,9826
Coleraine6£14,972332,1874
Conwy1£6,4951139,000-
Cornwall1£12,999418,9844
County Durham21£11,149540,23766
Craigavon1£13,500320,1514
Cumbria2£12,697324,5044
Denbighshire3£16,42825,4774
Derbyshire32£12,489424,91151
Devon12£11,507441,31818
Dorset4£12,347335,91513
Dundee City1£11,998433,1314
Dungannon1£12,295231,510-
East Ayrshire9£12,791433,63838
East Lothian1£10,899-42,960-
East Riding of Yorkshire7£9,304545,40915
East Sussex5£13,634324,4108
Enfield - Greater London2£11,745540,936-
Essex9£11,003530,43821
Falkirk2£12,249420,0666
Fermanagh1£14,450216,216-
Fife5£11,797518,9534
Glasgow City16£14,624224,00559
Gloucestershire8£11,700541,8689
Greater Manchester35£11,085440,06684
Hampshire27£12,142435,74841
Havering - Greater London2£9,194652,9807
Hertfordshire13£11,238338,11332
Highland6£18,24818,49123
Hillingdon - Greater London2£2,3901397,8352
Hounslow - Greater London1£5,7501051,0004
Isle of Wight1£10,995843,000-
Kent17£10,684641,39729
Lancashire51£11,364438,96099
Leicestershire13£11,598341,03524
Lincolnshire15£9,886544,05724
Lisburn1£13,695217,0736
Magherafelt5£11,939649,683-
Merseyside10£11,906432,00137
Moray3£12,995428,1403
Newtownabbey4£10,596648,4606
Norfolk15£13,019334,58219
North Ayrshire2£12,042431,1124
North Lanarkshire2£12,633420,9248
North Yorkshire6£12,481323,69427
Northamptonshire14£10,559444,79921
Nottinghamshire11£13,381325,00623
Oxfordshire2£12,710428,92412
Pembrokeshire2£12,699320,773-
Perth and Kinross4£14,748232,94420
Redbridge - Greater London1£6,2501121,000-
Renfrewshire1£12,998420,10612
Rhondda Cynon Taf3£6,494872,2241
Scottish Borders2£12,745423,8922
Shropshire12£14,085324,50816
Somerset3£9,324656,29517
South Ayrshire3£12,975428,9182
South Yorkshire27£12,107541,35667
Staffordshire17£11,807432,33321
Stirling4£19,623111,49136
Strabane2£12,995533,4431
Suffolk8£13,577431,9995
Surrey3£11,915531,41315
Swansea5£15,87024,9717
Tyne and Wear26£12,468334,56274
West Lothian8£19,12318,042127
West Midlands37£10,527541,66871
West Sussex2£13,493410,06812
West Yorkshire26£9,833744,15953
Wiltshire3£10,427636,45010
Worcestershire4£8,509754,4156
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