Funding solutions explained Car finance with Croxdale Citroën Approved Used Although car financing can be a tricky thing to understand, we’re here to explain and inform. Start Your Search

Citroen Car Finance

Here at Croxdale, we offer a huge selection of Approved Used Citroën vehicles, each of which is available with our flexible finance solutions. These are designed to meet the requirements and budgets of all types of motorists – and provide you with the best possible deal.

Let’s begin by explaining what each of our finance options offers.

Personal Contract Hire (PCH) – what is it?

PCH is an affordable and convenient way to lease a car. Following a deposit, you then pay fixed monthly instalments over an agreed duration. When the contract ends, you hand back the keys with nothing further to pay (unless you have incurred excess mileage or damage charges). Many PCH contracts also include maintenance costs, and are ideal for those who aren’t looking to own a vehicle or worry about depreciation.

If you choose PCH, you’ll need to be aware that it is less flexible than PCP if you wish to upgrade your vehicle or end the agreement early. If you exceed the agreed mileage limit, you’ll be liable for extra costs, and there is no option to buy.

Find and finance your next vehicle through PCH

Personal Contract Purchase (PCP) – what is it?

PCP is a popular finance agreement that enables you to drive a new vehicle in an affordable way. Instead of paying for the vehicle’s full value, you pay off its depreciation, meaning the monthly instalments are often lower. At the end of your agreement, you have the option to return the car, part-exchange it for a newer model, or make a balloon payment to own it outright.

When choosing PCP, you’ll need to bear in mind that it may prove a more expensive way to ultimately own the vehicle outright. During the contract, you do not own the car, and may be liable for extra fees caused by damage and/or excess mileage.

Find and finance your next vehicle through PCP

Hire Purchase (HP) – what is it?

HP is a simple and straightforward way of financing your new Citroën. Following an initial deposit, you will pay off the full value of the vehicle in fixed monthly instalments over an agreed period of time. When all the payments are made, you become the car’s outright owner.

When choosing HP it’s worth considering that monthly payments are typically higher than those offered by Personal Contract Purchase (PCP). This type of plan also means you may not have access to regular upgrades.

Find and finance your next vehicle through HP

Contact us

To learn more about Citroën car financing, please get in touch with the friendly and knowledgeable team at Croxdale Citroën team.

Whatever your question or feedback we are here to help.
So please feel free to contact us.

Make an enquiry

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Company Info

A167 Croxdale Durham County Durham DH6 5HS

Head Office: Croxdale Service Station LTD A167 Croxdale Durham County Durham DH6 5HS

Reg. Company Number: 913346

VAT Reg. No. GB176008861

Financial Disclosure

Croxdale Service Station Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010).

Automotive Compliance Ltd’s permissions as a Principal Firm allows Croxdale Service Station Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders.

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders will pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.