Finance

Welcome to the world of Citroën Motorhouse Financial Services...

Our Financial Services is the home of ‘peace of mind motoring’, where you can find everything you need for an enjoyable motoring experience. With tailor-made finance solutions and protection, this is where your journey begins.

At Citroen Motorhouse benefit from ‘peace of mind motoring’ today by choosing a finance solution that suits you and your own unique circumstances. We can then give you and your finances that completely covered feeling with optional Payment Protection and Shortfall Insurance.

HIRE PURCHASE

If you are looking to own your vehicle and require a flexible package to fit your budget, our Financial Services Hire Purchace is for you.

Driving away in a brand new or used vehicle is easy. With Hire Purchace, simply choose the size of your deposit, between 0-75% of the vehicle price, agree on a term that best suits your budget, between 12 and 60 months, and we will calculate a fixed monthly payment tailored to meet your budget.

CITROEN ELECT 3

If you want a new CITROËN car every two or three years with monthly payments structured to suit your budget, Elect 3 is for you.  

With Elect 3, you pay a deposit, between 10% and 40% of the vehicle price, and then fixed monthly payments over a term of 25, 31 or 37 months, best of all there’s no need to worry about the car’s future value as we’ll guarantee it.

Elect one of three options at the end of the agreement to suit your own particular needs. You can make the final payment and own the car outright, return the car to CITROËN or part exchange your vehicle for a new CITROËN using any equity as the deposit in a new Elect 3 package.

CITROEN ELECT 4

If you want to enjoy the convenience of a new car without the stress and hassle of ownership, Personal Lease is for you.

Instead of owning the car, you rent it for a fixed period and then return it to your local dealer where you can exchange it for a brand new one. Just the ticket if you fancy a new car every  4 years without the hassle associated with vehicle disposal.

PAYMENT PROTECTION

If you want protection against unforeseen circumstances that may affect your ability to make your monthly payment, our Payment Protection is for you.

It is impossible to say for sure what the future holds. You may feel completely secure now, but can you guarantee you’ll be fit and healthy, in a job, and not at risk of an accident whilst you have a monthly financial commitment for your new car?  

Should your circumstances change significantly, Payment Protection may ensure a level of financial support on your car loan, when it matters. With a wide range of cover to choose from, including Life, Life and Critical Illness, Life and Disability, or Life, Disability and Unemployment, the level of Payment Protection can be chosen to meet your needs.

SHORTFALL INSURANCE

If you have fully comprehensive car insurance and you want to protect your financial position in the event of a ‘total loss’ insurance claim, our Insurance is worth considering.  

You can’t keep your eyes on your car all the time but you can ensure a level of additional protection with Shortfall Insurance. There are two types available which take effect when your motor insurer declares your vehicle a ‘total loss’: Shortfall Insurance: GAP, offers CITROËN Financial Services customer’s protection against the finance liability between the market value* of their vehicle (typically the insurance settlement) and your outstanding finance balance.

CITROËN Financial Services Shortfall Insurance: VRI, is the ultimate Shortfall Insurance product which makes it easier for finance or cash customers to get a like-for-like replacement vehicle, with the gap covered between the market value (typically the insurance settlement) and the original invoice price of the vehicle.

CONTRACT HIRE

If you want a non ownership finance solution that keeps costs fixed and risks low, then Contract Hire is for you.

Some businesses insist on the quality and reputation of CITROËN, and therefore demand a finance solution that has equal merit. With CITROËN Contract Motoring Contract Hire, you can drive away in a Citroën vehicle paying a fixed monthly rental that complements your business cash flow. Rentals can be off-set against taxable profits to give you even greater benefit. Home and Roadside Assistance, provided by the AA, and Road Fund License come as standard, with an optional Maintenance Contract to cover service, repair, breakdown and tyre costs.

With CITROËN Contract Motoring Contract Hire there’s no fuss, no hassle and no vehicle disposal costs (subject to condition and mileage). At the end of the agreement, simply return the vehicle to Citroën Contract Motoring, choose a new Citroën and take out another CITROËN Contract Motoring Contract Hire agreement, simple.

BUSINESS LEASE

If you want an alternative to vehicle ownership that allows you to control your business cash flow and gain tax efficiencies then CITROËNContract Motoring Business Lease is for you.
           
With a Business Lease, you can choose to pay a fixed monthly rental tailored specifically to your business needs. This not only keeps your costs on budget, but as your business will not own the vehicle, you can offset these monthly rentals against taxable profits and recover the VAT on the rentals. Roadside Assistance provided by the AA and Road Fund License come as standard in the primary rental period. An optional CITROËN Contract Motoring Maintenance is available to cover service, repair, breakdown and tyre costs.

LEASE PURCHASE

If you are looking to own a vehicle with a finance solution that offers ultimate flexibility to complement your business cash flow, CITROËN Contract Motoring Lease Purchase is for you.
    
With Lease Purchase, you are in complete financial control because you choose the deposit, length of the agreement and when payments are made, either monthly, quarterly, half yearly or annually. And at the end of the agreement, you take ownership.

Finance subject to status. Finance available from CITROËN Financial Services, written quotations available on request from CITROËN Financial Services. Over 18’s only. A guarantor may be required. Terms and Conditions apply.

Citroën Financial Services Shortfall Insurance (GAP and VRI) and Payment Protection are underwritten by St Andrews plc. St Andrews is incorporated in the UK and are authorised and regulated by the Financial Services Authority for Insurance business. Transactions entered into for the above insured products are covered by the Financial Ombudsman service dispute resolution scheme and the Financial Services Compensation scheme.