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Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Citroen is one of the more affordable mainstream brands. A used C3 or C3 Aircross tends to sit at the lower end of the price scale, making monthly payments potentially very accessible. Even a used C5 Aircross or Berlingo is competitively priced compared to similar models from other manufacturers.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
Citroen is part of the Stellantis group (alongside Vauxhall, Peugeot, and Fiat), which means parts are widely shared and servicing costs may be competitive. Citroen has traditionally focused on comfort, and its Progressive Hydraulic Cushion suspension is a unique selling point that sets it apart from rivals.
Use the calculator further down this page to estimate monthly payments.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Citroen is one of the most popular brands to finance in the UK. Whether you are looking at a used C3 or a used C5 Aircross, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Citroen models.
Citroen C3
Citroen's best-selling model in the UK. Used C3s tend to be affordable to finance and sit in lower insurance groups.
Citroen C3 Aircross
A compact crossover with a distinctive design. Could offer SUV practicality at a competitive price on the used market.
Citroen C4
A family hatchback with Citroen's comfort-focused suspension. Used C4s are competitively priced.
Citroen C5 Aircross
A mid-size SUV with a focus on comfort. Available as petrol or plug-in hybrid on the used market.
Citroen e-C4
The fully electric C4. Used examples are appearing at more accessible prices as the EV market develops.
Citroen Berlingo
A practical MPV with sliding rear doors. Could suit families who need maximum space over style.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Citroen at the end of the agreement. There are no mileage limits. Citroen's affordable pricing means HP monthly payments could be modest, and the total interest paid over the term relatively low.
Find out more about HP car finance →
Citroen PCP gives you lower monthly payments than HP. At the end of the agreement, you can hand the car back, pay the balloon to keep it, or use any equity towards your next car.
If your Citroen holds its value on the used market, there is potential to build equity by the end of the agreement. Used car values depend on supply, demand, condition, and mileage, so this is never guaranteed.
Citroen PCP is often available on models such as the C3, C3 Aircross, C4, and C5 Aircross, subject to status. Each model has different used values, which affects the balloon payment and monthly cost.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early through voluntary termination or early settlement.
Both HP and PCP may be available with no deposit on many Citroen models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
Citroen's affordable pricing means the gap between lease and HP payments could be relatively small. With HP, you own the car at the end and can keep driving without further payments. With a lease, you hand it back and start paying again.
With PCP, if the car holds its value, there is potential to build equity. Leasing removes that opportunity. Finance also gives you the right to voluntary termination, while leasing typically penalises early exit.
For affordable cars like the C3, the simplicity and ownership benefit of HP may outweigh the marginally lower monthly payments of a lease.
Yes. Both HP and PCP may be available on used and second hand Citroens from verified UK dealers. Via Brumble, you can finance a used Citroen from any verified dealer.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement, though this varies. The used Citroen market tends to offer good availability, particularly for the C3 and C5 Aircross.
Citroen's comfort-focused engineering sets it apart from most competitors. If ride quality matters to you, a Citroen could be worth test driving before committing to a finance agreement on another brand.
Check the car's history with our MOT checker and tax checker. Our Citroen reliability report covers common issues by model.
Citroen models are generally among the more affordable on the market, so borrowing amounts tend to be reasonable. This may make the approval process more straightforward. A used C3 could be one of the more accessible cars to finance.
If you have a lower credit score, our bad credit car finance page may help. If you are a student or young driver, a used C3 could be worth considering on finance.
According to DVSA MOT data analysed by Brumble, Citroen has a national MOT pass rate of 63.5%, based on 0.88 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Citroen below the national average of 72.4%. This does not mean every used Citroen will have problems, but it may be worth paying particular attention to the car's service history and MOT record before committing to finance. A well-maintained example could still be a reliable choice.
The most common MOT advisory and failure items on Citroen vehicles include suspension faults, exhaust emissions, and brake wear. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Citroen reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Citroen occasionally runs 0% promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and not available on used cars.
Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Citroen car insurance quotes from 130+ UK insurers.
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Common questions about Citroen car finance.
Used C3s tend to be among the more affordable cars to finance. The monthly payment depends on the car's age, price, term length, and APR. Use the calculator on this page to estimate. Representative 19.8% APR.
All three are part of the Stellantis group and share some engineering. Citroen distinguishes itself with a stronger focus on ride comfort, particularly through its Progressive Hydraulic Cushion suspension. Peugeot tends to focus more on interior quality, while Vauxhall prioritises value.
The C5 Aircross is a mid-size SUV known for its comfortable ride and competitive pricing. A plug-in hybrid version is also available. Used examples could offer good value compared to some premium SUV alternatives. HP and PCP may both be available. Subject to status.
It may be possible. Citroen's affordable pricing means smaller borrowing amounts, which may improve your chances. A soft search lets you check with no risk. Subject to status.
Many finance options are available with no deposit, subject to status and affordability. A deposit could reduce your monthly payments but is not required.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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