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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
All812£12,032435,1321,633
Aberdeenshire1£12,995217,9032
Antrim5£11,884437,72116
Ards5£11,893540,0685
Armagh1£12,995454,650-
Ballymena1£9,499552,407-
Ballymoney1£5,895962,2801
Barking & Dagenham - Greater London1£11,999459,930-
Bedfordshire14£9,630653,75318
Belfast4£13,268425,2318
Berkshire12£9,836646,97216
Bexley - Greater London4£16,871316,388-
Blaenau Gwent4£11,674531,7686
Bristol4£9,487631,2505
Bromley - Greater London3£8,550829,6672
Buckinghamshire14£11,569532,96814
Cambridgeshire24£10,254542,78433
Carmarthenshire7£12,421436,1558
Ceredigion1£21,9950-7
Cheshire18£11,577436,85429
City of Edinburgh14£15,577214,27424
City of London - Greater London6£13,617532,6034
Coleraine5£14,381437,6833
Conwy1£6,4951139,000-
Cornwall3£13,099422,0602
County Durham31£12,364435,41651
Craigavon2£12,398430,0164
Cumbria2£11,481439,7635
Denbighshire2£15,145311,8514
Derbyshire34£12,360426,39865
Derry10£15,370217,23115
Devon14£11,379442,33221
Dorset5£14,235433,40011
Dundee City1£12,498347,0383
Dungannon1£12,595231,5101
East Ayrshire8£13,608431,53539
East Riding of Yorkshire8£10,292444,78317
East Sussex5£14,643323,24011
Enfield - Greater London2£11,745540,9361
Essex8£12,478328,02021
Falkirk4£12,577326,7459
Fermanagh1£14,450216,216-
Fife4£10,911629,19310
Glasgow City12£16,273212,14049
Gloucestershire7£10,621551,36010
Greater Manchester44£11,014537,62885
Gwynedd1£12,495333,000-
Hampshire29£11,403441,51749
Harrow - Greater London1£9,995319,701-
Hertfordshire20£10,650442,96030
Highland12£16,998113,82617
Hillingdon - Greater London2£2,3901397,8353
Hounslow - Greater London2£7,390773,2883
Kent10£11,339535,81131
Lancashire55£11,561438,32396
Leicestershire13£12,315342,19529
Lincolnshire14£10,259542,01825
Lisburn4£10,845640,9332
Magherafelt5£11,939649,6831
Merseyside17£11,385437,77329
Moray3£13,162428,1404
Newry and Mourne1£12,795323,9531
Newtownabbey3£9,464659,0496
Norfolk12£13,038531,93321
North Ayrshire4£11,955433,8124
North Lanarkshire3£13,240412,7187
North Yorkshire5£10,711441,60626
Northamptonshire14£10,571549,33218
Nottinghamshire7£12,202428,62119
Omagh1£11,250367,302-
Oxfordshire4£10,946338,35814
Perth and Kinross6£14,906318,83216
Redbridge - Greater London1£6,2501121,000-
Renfrewshire3£12,498428,06812
Rhondda Cynon Taf3£8,906761,896-
Scottish Borders2£11,747525,8132
Shropshire6£13,179321,83023
Somerset4£12,601331,31511
South Ayrshire3£13,439428,9186
South Yorkshire34£11,129544,12756
Staffordshire11£13,121426,15035
Stirling9£18,386110,22828
Strabane1£12,495440,2222
Suffolk6£11,830430,3574
Surrey4£10,280749,20216
Swansea3£14,995310,83313
Tyne and Wear29£12,599337,34975
Warwickshire1£9,499452,5993
West Dunbartonshire2£12,598332,6373
West Lothian12£15,706219,985117
West Midlands37£10,008645,36573
West Sussex5£13,839422,5449
West Yorkshire24£11,125634,15653
Wiltshire6£11,609439,0646
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