Citroën buyers can choose from compact hatchbacks, family crossovers, larger SUVs and a growing electric range. Citroen car finance can spread the cost of a new or used model while giving you different ways to balance the deposit, monthly payments, mileage and ownership.
Enjoy Finance explains the main funding routes and links to third-party providers. We do not provide finance directly, and the website contains affiliate links.
How does Citroen car finance work?
Official Citroën funding is provided through Stellantis Financial Services. Personal customers can use products including Personal Contract Purchase, Conditional Sale and Personal Contract Hire, with the right option depending on how long you want the car, how much you drive and whether ownership matters.
PCP puts part of the cost at the end
With Citroën PCP, you choose a deposit, agreement term and annual mileage. Stellantis Financial Services then sets an Optional Final Payment based on the vehicle’s predicted value at the end of the agreement.
That final amount stays fixed when the agreement starts. At the end, you can pay it to own the car, part-exchange the vehicle where equity is available, or return it subject to mileage and condition terms.
Citroën’s online store currently allows PCP deposits between 0% and 40% of the vehicle purchase price. Read Personal Contract Purchase for a wider explanation of how PCP works.
Why Citroën’s 0% offers need a closer look
Citroën regularly runs 0% APR campaigns on selected new models. Current promotions use a 24-month PCP term and require a minimum 25% customer deposit.
That can make the interest rate attractive, but it also means paying a larger amount upfront than on some longer-term offers.
When comparing Citroen car finance, check how much you need to pay at the start alongside the monthly payment, Optional Final Payment and total amount payable. A part-exchange may help towards the deposit, depending on the retailer and agreement.
A current Citroen car finance promotion may look attractive, but a longer agreement with interest may suit someone who wants to keep more cash available upfront. Compare the whole structure rather than choosing on APR alone.
Conditional Sale offers a clearer route to ownership
Conditional Sale works differently from PCP because there is no large final balloon payment. You pay a deposit followed by fixed monthly instalments, and ownership transfers after the final required payment.
This can suit drivers who plan to keep the same Citroën for several years or who do not want annual mileage conditions shaping the agreement.
For more information on ownership-focused finance, visit What is HP Car Finance?. Hire Purchase and Conditional Sale are closely related structures, although the exact agreement terms can differ.
Electric Citroën finance comes with extra support
Citroën’s electric range includes models such as the ë-C3, ë-C3 Aircross, ë-C4, ë-C5 Aircross, ë-Berlingo and ë-SpaceTourer.
Several currently qualify for the UK Government Electric Car Grant. Where the customer and vehicle qualify, the retailer applies for the grant and the value is deducted from the recommended retail price at the point of order.
Drivers interested in an electric hatchback can visit Citroën e-C4 Car Finance. When comparing Citroen car finance on an EV, include home charging, public charging, mileage and insurance.
C3, C4 and Aircross models need different comparisons
The Citroën C3 Car Finance page is useful for buyers considering a smaller everyday car, while Citroën C3 Aircross Car Finance covers the more practical crossover.
Citroën C4 Car Finance gives model-specific information for buyers looking at Citroën’s larger hatchback and crossover-style option. Families wanting more space can explore Citroën C5 Aircross Car Finance.
Purchase price, powertrain, mileage and finance promotions can differ substantially between these cars, so one advertised monthly figure should not be treated as representative of the whole range.
Citroën We Care can support longer ownership
New Citroën passenger cars ordered in the UK from 1 June 2025 come with three years of standard manufacturer warranty and can qualify for Citroën We Care.
The programme can add service-activated cover after qualifying maintenance at participating authorised service partners. Cover can be reactivated up to eight years old or 100,000 miles, whichever comes first, subject to the programme terms.
That can matter if you plan to keep the car beyond a short PCP term or finance a newer Citroën for several years.
Business leasing is another route
Citroën’s family vehicles, MPVs and commercial models also make Contract Hire relevant to business users.
Business Contract Hire uses an initial rental followed by monthly rentals for an agreed term and mileage. The vehicle is returned at the end rather than owned.
Tax and VAT treatment varies with the vehicle, business use and company circumstances, so business users should check the position with an accountant rather than choosing a route mainly for a potential tax saving.
Used Citroëns and later repair costs
A used C3, C4, Berlingo or C5 Aircross can have a lower purchase price than a new equivalent, but age and condition become more important.
Before arranging Citroen car finance on a used vehicle, check service history, MOT records, mileage, tyres, previous repairs and remaining warranty. For an electric model, review the battery warranty too.
Citroën also offers Buy Now, Pay Later for qualifying servicing, repairs and accessories. It is separate from the vehicle finance agreement and lets eligible customers spread workshop costs through monthly payments without interest or standard fees, subject to status and published terms.
For more general guidance, visit Car Finance FAQs.
Compare the agreement around how you will use the car
PCP can suit drivers who value lower regular payments and choices at the end. Conditional Sale is more focused on ownership, while Contract Hire can suit someone who expects to return the car after a fixed period.
The right Citroen car finance route should match how you expect to use the vehicle. Compare the upfront payment, APR, term, monthly cost, mileage conditions, total amount payable and any Optional Final Payment. For an electric Citroën, add any grant support and charging costs to the calculation.
Enjoy Finance provides information about vehicle funding and may link to third-party providers. Any quote, application or agreement is supplied by the relevant third party and remains subject to its own eligibility, affordability checks and terms.
FAQs
Does Citroën offer 0% finance?
Citroën runs 0% APR promotions on selected new cars at certain times. Current qualifying offers use a minimum 25% customer deposit and a 24-month PCP term, but these conditions can change.
Can I finance a used Citroën?
Yes. Finance can be available on used Citroën models through different providers. Vehicle age, mileage, value and your financial circumstances can affect the products and rates offered.
Who provides Citroën finance in the UK?
Official Citroën finance is provided through Stellantis Financial Services UK Ltd. The products available can include PCP, Conditional Sale and Contract Hire.
Do electric Citroëns qualify for the Electric Car Grant?
Several current electric Citroën models qualify for the UK Government Electric Car Grant. Eligibility and grant values depend on the model and government rules, so check the latest position before ordering.
What is Citroën We Care?
Citroën We Care can add service-activated warranty cover after the standard three-year manufacturer warranty. Qualifying cover can continue up to eight years or 100,000 miles, subject to servicing and programme terms.
