Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.
Buying a Used Citroën on Finance
Buying a used Citroën on finance can be a smart and affordable way to get a car that fits your everyday needs. Citroën is a well known brand in the UK, offering everything from small cars to family vehicles and vans. Many people choose Citroën for their low running costs, and practical designs. However, like any car brand, Citroëns can have their problems.
Citroën cars are known for their comfort, affordability, and unique styling. Most models feature soft suspension that makes everyday driving smoother, even on rough roads. Cars like the Citroën C1, C3, and C4 Cactus offer roomy cabins, great visibility, and low running costs, all of which are ideal if you're looking for an economical vehicle for daily use.
Used Citroëns are also popular because they tend to be well equipped. Features like touchscreen displays, Bluetooth, and safety tech often come as standard. When you buy second hand, you avoid the steepest part of depreciation, making it a smart choice financially. If regularly serviced and cared for, Citroën cars can last well and remain reliable over time.
Yes, Citroëns can be a great option for new drivers. They’re generally light to drive, easy to park, and come with good visibility, all important for boosting confidence behind the wheel. Models like the Citroën C1 are especially popular among first time drivers because of their low insurance group and excellent fuel efficiency. The C3 is another solid choice, offering a bit more space while still being affordable to run.
Citroën also includes helpful safety features on many of their newer models, such as lane departure warnings and emergency braking assistance. These make them practical and reassuring cars for someone just starting out on the road. Combined with competitive finance options, a used Citroën could be a smart first car.
In the past, Citroën developed a reputation for being quirky and sometimes unreliable. Older models were known for unusual styling and advanced (but complex) features that could go wrong if not properly maintained. Electrical gremlins and suspension issues were commonly reported, especially in higher mileage or poorly serviced cars.
However, the brand has made major improvements over the last decade. Modern Citroëns are far more reliable, practical, and refined than many of their predecessors. The switch to more widely used engines and parts (often shared with Peugeot under the PSA Group) has helped improve overall dependability. Today, Citroën offers some of the best-value used cars on the market, especially if you’re looking for a comfortable and fuel efficient drive.
Before you apply for finance on a used Citroën, it’s important to carry out a few key checks. First, review the service history. A well documented record of servicing, especially evidence of timing belt changes on diesel engines, can help you avoid expensive future repairs. Make sure to test all electrical components, such as lights, indicators, the infotainment screen, and electric windows, as some older Citroën models have a reputation for minor electrical faults.
Next, look closely at the condition of the interior and exterior. Signs of water leaks, dashboard warning lights, or worn out seats may point to past issues or poor maintenance. Check the MOT history to make sure the mileage adds up correctly and that there aren’t any repeated advisories that suggest neglect.
You should also run an HPI check to confirm there’s no outstanding finance or history of accidents. If in doubt, consider an independent vehicle inspection before signing a hire purchase agreement. A professional opinion could help you avoid buying a car with hidden problems.
With proper servicing, many Citroëns can last well over 100,000 miles, and some diesel models, especially in vans like the Berlingo and Dispatch, are known to exceed 150,000 miles or more. These vans use the 1.6L or 2.0L BlueHDi diesel engines, which are built for heavy daily use and long distance driving. Citroën and Peugeot use these engines in many of their vehicles, and they prove durable when drivers maintain them properly.
Citroën recommends servicing most models once a year or every 12,000 miles, whichever comes first. Some newer models with condition-based servicing will alert you when maintenance is due, based on driving style and usage. Car models with the same engines, like the C3 or C4, can also last a long time, but van engines tend to last longer because they are designed for higher mileage and tougher use.
As with any used vehicle, the key to long life is regular servicing, using the correct oil, and addressing issues early before they lead to more serious problems. Diesel cars with a DPF need regular long drives to keep the filter clear and avoid blockages. Skipping oil changes or using the wrong oil can damage parts like the timing chain or turbocharger, especially in engines like the 1.6L THP or some BlueHDi models.
Here are some of the most popular Citroën models financed in the UK, and for good reason. Each one offers something different, depending on what the driver needs or prefers.
Hire Purchase is a common way to finance a Citroën. You pay a deposit (sometimes zero deposit), followed by monthly payments over 3–5 years. When the final payment is made, you own the car. This is a good option if you want to spread the cost and avoid a large final payment like in PCP agreements.
Even if you’re applying with a poor credit score, some car finance companies for bad credit may still approve your application, though you might pay a higher interest rate. Always compare APRs, loan terms, and check your budget before applying.
Remember: When buying any used vehicle, there’s always a chance that issues may come up later. If you’ve financed a car and start to notice mechanical problems, it’s important to contact both your finance provider and the dealership where you bought the vehicle. Acting quickly can help get the issue resolved and protect your rights.
The C1 is a compact city car that is easy to drive and offers low insurance costs. It suits first-time drivers and those applying for new driver car finance . Powered by a 1.0L petrol engine, it delivers up to 68 mpg, making it highly fuel efficient. It has a simple interior, low tax, and is easy to park, making it ideal for urban use.
The C3 is a small hatchback known for its unique design and everyday practicality. It’s a popular choice among UK drivers due to its low running costs, making it ideal for young drivers or small families. Engine options include a 1.2L petrol and a 1.5L diesel, with the diesel version offering up to 70 mpg. With a 300-litre boot and generous headroom, the C3 provides flexible space for daily use.
The C4 Cactus is a crossover that blends the style of an SUV with the practicality of a hatchback. It stands out for its bold design and compact size. Engine options include a 1.2L petrol and a 1.6L diesel, with the diesel offering up to 83 mpg. Inside, it features Citroën’s Advanced Comfort seats and a large touchscreen. The C4 Cactus offers flexible space, making it a popular choice for families, hobbyists, or those needing a practical vehicle for work as an alternative to a van.
The Berlingo is a van based MPV that’s popular with families who need extra space. It features sliding side doors, a high roof, and a spacious interior. Engine options include a 1.5L diesel and a 1.2L petrol, offering a balance of power and efficiency. With up to 775 litres of boot space, it’s one of the most practical vehicles in its class. The Citroën Berlingo is also a strong choice for those needing a work vehicle with more comfort than a traditional van, or for drivers who need space for mobility equipment.
The C5 Aircross is a mid size SUV designed with comfort and everyday practicality in mind. It features Citroën’s Progressive Hydraulic Cushion suspension, which helps absorb bumps and rough surfaces, making it ideal for long drives and uneven road conditions. Available with petrol, diesel, or plug-in hybrid engines, it offers flexibility for different driving needs. The hybrid version delivers up to 34 miles of electric-only range, while the diesel can reach up to 60 mpg, helping to reduce fuel costs. Boot space ranges from 580 to 720 litres, providing plenty of room for family trips, luggage, pushchairs, or sports equipment. Its high driving position, wide opening rear doors, and flexible rear seating make it especially practical for families, dog owners, or anyone who regularly carries passengers and gear. The C5 Aircross also includes a range of driver assistance features, such as lane departure warning, active safety brake, and parking sensors, offering added peace of mind on the road.
