Buying a used Citroën with hire purchase (HP) car finance

Citroën is a French car manufacturer known for its innovative design, comfort, and value for money.

At AutoMoney Motor Finance we can help you secure HP car finance on a used Citroën within minutes.

What’s more we can complete your deal the same day, so you can drive home with your chosen Citroën model straight away.

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Representative example

You could borrow £10,000 over 60 months with an initial payment of £490.66 (including £199 Admin Fee) followed by 58 monthly payments of £291.66 with a final payment of £490.66 (including optional £199 Option to Purchase Fee).

Total amount repayable will be £17,897.60.

29.3% APR, annual interest rate (fixed) 24.7%.

This example uses the representative APR. This is the rate at least 51% of customers are expected to get.

Lending is subject to status and additional affordability checks. Rates quoted are subject to change and will depend on lending amount and personal circumstances.

Contents

Want to know more about buying a used Citroën?

Strengths of Citroën

  1. Comfort and ride quality:
    Citroën vehicles are renowned for their comfortable ride. The brand often incorporates advanced suspension systems that provide a smooth and cushioned driving experience, making them ideal for both city and long-distance driving.
  2. Innovative design:
    Citroën is known for its distinctive and innovative design language. Models like the C3 and C4 Cactus stand out with their unique and stylish appearances. The brand’s creativity extends to both the exterior and interior, offering a fresh alternative to more conservative designs.
  3. Value for money:
    Citroën offers good value for money, providing a range of features and technology at competitive prices. This makes Citroën an attractive option for budget-conscious buyers who don't want to compromise on quality.
  4. Fuel efficiency:
    Many Citroën models are designed with fuel efficiency in mind. With a range of efficient petrol, diesel, and hybrid engines, Citroën cars can help you save on fuel costs over time.
  5. Practicality:
    Citroën vehicles often feature clever design solutions that enhance practicality. Models like the C4 Picasso and Berlingo offer spacious interiors, flexible seating arrangements, and ample storage, making them great for families and active lifestyles.
  6. Safety features:
    Citroën equips its vehicles with a variety of safety features, including advanced driver assistance systems. Features such as lane departure warning, automatic emergency braking, and blind-spot monitoring are available in many models.

Weaknesses of Citroën

  1. Build quality:
    Some Citroën models have faced criticism for their build quality. While newer models have improved, it's essential to thoroughly inspect any used Citroën for signs of wear and potential issues.
  2. Resale value:
    Citroën cars tend to depreciate faster than some competitors. While this can make used models more affordable initially, it also means you should be mindful of potential future depreciation.
  3. Performance:
    While Citroën focuses on comfort and practicality, some models may not offer the same level of performance or driving dynamics as competitors. If you prioritise sporty handling and acceleration, certain Citroën models may not meet your expectations.
  4. Complex technology:
    As with many modern cars, the advanced technology in Citroën vehicles can sometimes be a double-edged sword. Ensure that all electronic systems are functioning correctly, as repairs can be costly.
  5. Interior quality:
    While Citroën interiors are often stylish and innovative, the quality of materials used can vary. Some models may feature plastics that feel less premium compared to other brands in the same class.

Tips for Buying a Used Citroën:

  • Research specific models:
    Popular models like the C3, C4, and Berlingo each have unique characteristics. Research specific model years for any common issues or recalls to ensure you make an informed decision.
  • Check service history:
    Ensure the vehicle has a comprehensive service history. Regular maintenance by authorised Citroën service centres is a good indicator of a well-cared-for car.
  • Inspect for wear and tear:
    Look for signs of wear and tear, especially on high-mileage models. Pay close attention to the condition of the interior, electronics, and suspension components.
  • Consider certified pre-owned:
    Buying a dealership-certified pre-owned Citroën offers benefits like extended warranties and rigorous inspections, providing added peace of mind.
  • Evaluate running costs:
    Factor in potential running costs, including insurance, road tax, and fuel consumption, to ensure the car fits within your budget.

Overall, a used Citroën can offer a comfortable and practical driving experience with distinctive style and good value for money. By doing thorough research and inspections, you can find a high-quality used Citroën that meets your needs and provides lasting satisfaction.

Buying a used Citroën with HP car finance

One of the ways to buy a used Citroën, if you do not have enough money to pay for it in full straight away, is to use HP car finance.

This is where you ‘hire’ the Citroën from us, spreading the cost of the car over monthly payments to us. These payments contribute towards you ‘purchasing’ (buying) the Citroën from us at the end of the term of the borrowing, when you also pay a one-off “option-to-purchase” fee.

At this point you own the Citroën completely and our contract comes to an end.

The pros and cons of HP car finance

Borrowing money to buy anything comes with risks, as well as rewards.

Buying a used Citroën could be the right choice for you and an ideal solution to the practical challenges of getting about day to day. However, whilst a used car can be significantly cheaper than its brand new alternative, it still involves spending a lot of money.

When you borrow money, you need to make sure you can keep up with payments comfortably. You will have other bills to pay and necessary things to buy, so you don’t want to find that the payments on your Citroën are leaving you short of money each month.

There are also other considerations when buying a used car and below we share the pros and cons, to help you decide if applying for HP car finance is right for you.

The pros

  • Drive away in a Citroën today: with HP car finance you can get a Citroën, even if you don’t have all the money for it right now.
  • Spread the cost of owning your Citroën: cars are expensive, but are often an essential part of daily life. When you buy your Citroën with HP car finance, you can pay for it gradually over time.
  • Manage your finances: HP car finance comes with a clear payment plan. You can easily compare what your finances will look like each month by taking away the money your Citroën will cost you, alongside your other bills and costs, from your income to make sure it is affordable for you.
  • Decide how much you can afford each month: if you find the Citroën you are looking at is too expensive per month, you can look at other options, with lower monthly costs.
  • Choose a term that suits you:  you can repay over 3-5 years, which will impact the monthly cost to suit your monthly finances. Borrowing for longer reduces the monthly cost, but be aware it may increase the total amount you repay.
  • Own your Citroën at the end of the term: If you keep up with your monthly payments, and can afford the “option-to-purchase” fee, you will own your Citroën at the end of the term of your agreement.

The cons

  • Delayed ownership: You won't own the car until the final payment is made. Missing payments could result in your Citroën being repossessed.
  • Depreciation: Used cars can lose value quickly. You might end up paying more than the Citroën is worth over time.
  • Higher total cost: The total amount paid, including interest and fees, will be much higher than the Citroën’s purchase price.
  • Insurance requirements: Comprehensive insurance is required, which can be more costly.
  • Credit impact: Missing payments can negatively affect your credit score, making future borrowing more difficult.
  • Repossession risk: Failure to make payments can lead to the car being repossessed, possibly leaving you with outstanding debt.

Please make sure you read and understand your hire purchase agreement, maintain your car and ensure you can afford the payments before committing.

Why get HP car finance with AutoMoney Motor Finance?

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Ready to apply?

We hope you found the information on this page useful. If you are now ready to apply for HP car finance with us, we’d be pleased to help.

Get started with an application using our online form:

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Representative example

You could borrow £10,000 over 60 months with an initial payment of £490.66 (including £199 Admin Fee) followed by 58 monthly payments of £291.66 with a final payment of £490.66 (including optional £199 Option to Purchase Fee).

Total amount repayable will be £17,897.60.

29.3% APR, annual interest rate (fixed) 24.7%.

This example uses the representative APR. This is the rate at least 51% of customers are expected to get.

Lending is subject to status and additional affordability checks. Rates quoted are subject to change and will depend on lending amount and personal circumstances.

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