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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
All696£11,948435,7391,573
Aberdeen City1£10,795343,5732
Aberdeenshire1£11,498550,8411
Antrim4£12,409329,09713
Ards5£12,094441,4687
Armagh4£7,373896,050-
Ballymena1£13,995237,5403
Ballymoney1£5,895962,280-
Barking & Dagenham - Greater London1£11,999459,930-
Bedfordshire8£15,661225,58520
Belfast2£12,745428,9555
Berkshire4£11,744332,36814
Bexley - Greater London5£15,496320,4055
Blaenau Gwent4£13,724328,8184
Bristol7£6,004972,6758
Buckinghamshire19£9,906649,02414
Cambridgeshire23£11,304435,17630
Carmarthenshire3£11,325445,5927
Ceredigion2£13,395317,3472
Cheshire9£12,911428,19833
City of Edinburgh11£16,862119,74933
City of London - Greater London6£17,31019,1226
Clackmannanshire1£11,998338,8961
Coleraine4£15,925330,3365
Conwy2£9,245835,581-
Cornwall1£12,999418,9843
County Durham20£11,475536,95758
Craigavon3£17,163320,1721
Croydon - Greater London1£10,000551,791-
Cumbria1£11,498444,4336
Denbighshire2£15,64525,7154
Derbyshire25£11,762431,00059
Devon6£11,826440,02228
Dorset2£11,745539,50012
Dundee City1£11,998433,1315
East Ayrshire12£17,459214,00524
East Lothian2£10,999-42,9601
East Riding of Yorkshire4£11,223335,81013
East Sussex4£13,493323,6005
Enfield - Greater London2£11,245540,936-
Essex7£10,384537,65118
Falkirk4£13,477318,6787
Fife2£9,497720,2864
Glasgow City22£15,359322,15052
Gloucestershire8£11,360441,19611
Greater Manchester27£11,056539,38876
Hampshire25£12,619434,84941
Havering - Greater London8£11,705545,8778
Herefordshire1£8,495760,700-
Hertfordshire13£10,764436,37129
Highland10£18,99818,85724
Hillingdon - Greater London2£1,8501397,8351
Hounslow - Greater London1£5,7501051,0003
Kent14£11,720536,82026
Lancashire48£11,649438,60296
Leicestershire4£7,150858,25126
Lincolnshire16£10,528539,56830
Lisburn1£13,295217,0735
Magherafelt4£11,236654,1041
Merseyside6£13,830334,42339
Norfolk20£12,537435,31712
North Down1£13,450342,688-
North Lanarkshire3£12,567424,7127
North Yorkshire10£12,608326,97321
Northamptonshire8£10,383446,41424
Northumberland1£13,442310,4243
Nottinghamshire8£12,411428,06522
Oxfordshire4£10,981440,2957
Perth and Kinross7£14,527332,41722
Redbridge - Greater London1£5,7501121,000-
Renfrewshire4£14,498325,9979
Rhondda Cynon Taf2£4,7431072,8361
Scottish Borders1£13,495218,9482
Shropshire10£12,395425,55220
Somerset2£12,739430,57815
South Ayrshire2£13,270420,9773
South Yorkshire27£11,530534,66473
Staffordshire8£13,197328,37628
Stirling12£19,03918,07128
Strabane1£12,495440,2222
Suffolk5£11,719335,79711
Surrey13£18,65618,88712
Swansea4£12,995421,6857
Tyne and Wear22£11,486435,83572
Warwickshire1£10,950331,4763
West Dunbartonshire1£10,498541,5744
West Lothian25£18,758110,19490
West Midlands23£10,263647,01769
West Sussex1£6,490938,6229
West Yorkshire24£11,014532,29851
Wiltshire4£8,868851,37611
Worcestershire4£6,6051271,6816
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