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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
All805£12,112435,0071,682
Aberdeenshire1£12,995217,9032
Antrim3£11,813434,35017
Ards3£10,660650,4146
Armagh1£12,995454,650-
Ballymena1£9,499552,407-
Barking & Dagenham - Greater London1£11,999459,930-
Bedfordshire13£10,016552,34119
Belfast4£13,343425,2318
Berkshire15£11,013540,80419
Bexley - Greater London3£16,497319,8519
Blaenau Gwent4£11,749531,7689
Bristol3£8,944630,2995
Bromley - Greater London3£8,557829,6672
Buckinghamshire15£11,670532,94314
Cambridgeshire21£10,127643,32333
Carmarthenshire7£12,421436,1558
Ceredigion2£22,7450-8
Cheshire20£11,687437,19229
City of Edinburgh14£15,584214,27426
City of London - Greater London6£13,914532,6034
Coleraine5£14,401437,6834
Conwy1£6,4951139,000-
Cornwall3£13,099422,0603
County Durham29£12,508434,51149
Craigavon2£12,398430,0164
Cumbria3£9,085747,7004
Denbighshire1£15,79536,8804
Derbyshire27£12,603427,19966
Derry10£15,456217,23115
Devon13£11,308443,87321
Dorset5£14,235433,40011
Dundee City2£12,248439,9892
Dungannon1£12,595231,5102
East Ayrshire8£11,271537,39738
East Riding of Yorkshire10£10,383444,36224
East Sussex6£14,727323,30010
Enfield - Greater London2£11,745540,9361
Essex7£12,725326,75722
Falkirk4£12,732326,74510
Fermanagh1£14,450216,216-
Fife4£10,911629,19310
Glasgow City13£16,932210,16548
Gloucestershire5£9,352659,65811
Greater Manchester41£11,039537,89889
Gwynedd1£12,495333,000-
Hampshire28£11,624440,40951
Harrow - Greater London1£9,995319,701-
Hertfordshire20£10,695442,95432
Highland14£17,426111,85215
Hillingdon - Greater London2£2,3901397,8353
Hounslow - Greater London2£7,390773,2883
Kent11£11,354537,28329
Lancashire55£11,453539,19098
Leicestershire10£12,321341,87432
Lincolnshire16£10,386542,18824
Lisburn4£10,845640,9332
Magherafelt5£11,939649,6831
Merseyside18£11,581435,95735
Monmouthshire1£11,995448,7821
Moray3£13,162428,1404
Newry and Mourne1£12,795323,9531
Newtownabbey3£9,770653,3486
Norfolk12£13,080531,93321
North Ayrshire4£11,955433,8124
North Lanarkshire2£12,613415,05810
North Yorkshire7£10,876443,18425
Northamptonshire14£10,634549,33219
Nottinghamshire7£12,236428,62120
Omagh1£11,250367,302-
Oxfordshire4£10,946338,35814
Perth and Kinross6£14,989318,83218
Redbridge - Greater London1£6,2501121,000-
Renfrewshire3£12,498428,06812
Rhondda Cynon Taf3£8,906761,896-
Scottish Borders2£11,747525,8132
Shropshire6£13,186321,83026
Somerset5£12,319331,87211
South Ayrshire3£13,439428,9186
South Yorkshire33£11,153544,40358
Staffordshire12£12,672433,28633
Stirling8£18,247111,50729
Strabane2£12,995537,4432
Suffolk6£11,780430,3574
Surrey3£12,856434,93617
Swansea3£14,995310,83313
Tyne and Wear27£12,496338,62573
Warwickshire1£9,563452,5993
West Dunbartonshire3£12,565334,2702
West Lothian12£15,890217,610118
West Midlands38£10,235546,55672
West Sussex7£15,022321,9707
West Yorkshire26£10,990536,19054
Wiltshire6£11,692439,0646
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