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We understand that many of us may have concerns about getting a new or used vehicle financed. Charters Citroen understand that in the 21st century, a car is a necessity for most of us and we want to make the process of buying a car (or van) as painless as possible.

We have now integrated a fully secure online finance application which allows our customers to check whether they will be accepted for finance without the embarrassment of not being accepted.

If you are unsure as to whether car finance is available to you as an option, let us do the hard work for you. You can order your vehicle and arrange finance online and through our many partners and networks throughout the UK, get the vehicle delivered to your door.

It’s just another thing we cheerfully do!

To apply for car finance, use our online finance application here

Citroen SimplyDrive explained

Citroen’s SimplyDrive payment system is a cost effective solution to driving a new Citroen car.

Rising car insurance costs mean that driving has become an expensive task. However Citroen has introduced SimplyDrive to combat this.

Included in one regular monthly fee is:

• • • A brand new Citroen
    • Full Comprehensive Car Insurance
    • Roadside Assistance
    • Road Tax
    • Servicing
    • Maintenance (excluding tyres)
    • Warranty

With nothing more to pay except fuel, the Simply Drive car finance scheme is even open to young drivers (as low as 18 years of age) thanks to Black Box Telematics.

All prices quoted on Citroen Simply Drive are examples only as monthly payments is calculated on individual insurance requirements (no claims discount, location where vehicle is kept at night, age etc).

Citroen Simply Drive is based upon an Elect 3 finance solution which offers our customers the ability to offset the guaranteed future value of the vehicle until the end of the contract (36 months later).

At the end of their agreement, our Simply Drive customers can choose to:

• Hand the vehicle back (in a reasonable condition within mileage limitations) with nothing more to pay
• Hand the vehicle back and upgrade to a newer vehicle on a new agreement
• Pay the optional final payment and keep the car (in a lump sum or an agreed amount of payments).

All Citroen Simply Drive agreements are based upon an annual mileage allowance. If you exceed this allowance over the term, an agreed payment is due (charged in pence per mile – ppm)

Elect 3 (and Elect 3 Pro for commercials) is an affordable car finance solution that allows our customers to benefit from a lower deposit and lower monthly payments and still drive the car they love.

Also known as a PCP Personal Contract Purchase car finance solution, Elect 3  is based upon expected mileage usage (we can advise on this). Guaranteed Future Value (GFV) is based upon this expected mileage and the future value of the car (what the vehicle is likely to be worth in 3 years) will be removed from the payments.

This means that you will only ever make payments for the length of your agreement.

At the end of your agreement, our customers have a choice:

• Hand the vehicle back (in a reasonable condition within mileage limitations) with nothing more to pay
• Hand the vehicle back and upgrade to a newer vehicle on a new agreement
• Pay the optional final payment and keep the car (in a lump sum or an agreed amount of payments).

Most of our customers choose to upgrade their vehicle to a newer model as they never have to worry about expensive maintenance costs (such as the worry with MOTs). This way, they are never able worry about the optional final payment.

Charters Citroen now offer the Elect 3 package as an all-inclusive solution called SimplyDrive.

Made to include:

• A brand new Citroen
• Full Comprehensive Car Insurance
• Roadside Assistance
• Road Tax
• Servicing
• Maintenance (excluding tyres)
• Warranty

It takes the worry out of motoring. For more on Elect 3 (and Elect 3 Pro), see this link. For more on our Citroen SimplyDrive all-inclusive payment scheme click here.

If you exceed the mileage allowance over the term, an agreed payment is due (charged in pence per mile – ppm)

Black Box (Telematics) technology is a small device fitted into vehicles that monitors driving habits.

For those young customers seeking an all-inclusive finance solution (such as SimplyDrive), we are able to offer included comprehensive car insurance thanks to this technology. The insurance company can monitor how the vehicle is driven and ensure that it is driven with care.

For our customers, this means cheaper payments on Citroen SimplyDrive and the ability to get even cheaper car finance and a brand new car included into the monthly payments.

For those who are eligible for the Motability scheme, choosing a vehicle is paramount for easy access, economy and comfort. Our vehicles can be adapted to suit (as part of your allowance).

Motability scheme allows you to exchange some (or all) of your allowance towards a new Citroen which you can replace every three years (provided your eligibility doesn’t change.

Motability Contract Hire offers are displayed here (for those receiving the higher rate of allowance) and these customers only pay a small deposit (sometimes nothing at all) and drive a vehicle over the three years with nothing else to pay.

Motability Finance Scheme and eligibility is explained in full here.

Citroen contract hire explained

On a contract hire vehicle finance solution, our customers never own the vehicle (the clue’s in the title). Each contract hire agreement is quoted in monthly payments and term:

• An Advance / Deposit: (usually 3, 6 or 9 equal monthly payments made up front)
• Payments: (over an agreed term: usually 12, 24, 36 or 48 months).

These payments are calculated on the guaranteed future value (GFV) of the vehicle; taking into account the mileage the customer has agreed to.

If the customer exceeds this mileage allowance, a pre-agreed payment is due (charged in pence per mile – ppm).

Maintenance is not generally included but can be added as an option.

Many of our business customers choose this form of finance at it allows them to keep their fleet fresh (being able to update at the end of their term), affordable and worries low (thanks to the low maintenance cost).

Business contract hire rates are priced without VAT and Personal Contract hire rates are quote inclusive. Therefore, if you see a price on our Business Contract Hire offers section and want to know the price for personal users, just add VAT (currently 20%)

For more on personal and business contract hire, see this link.

View our personal contract hire rates here

View our business contract hire rates here

A guarantor (or guarantee) is a term used to describe a second individual signing the car finance agreement.

Sometimes car finance is not offered to an individual without a guarantee/guarantor. This means that our customers are able to benefit from a finance scheme if they have a family / friend support their application (who is credit-checked by the finance company).

A guarantor / guarantee is responsible for keeping up the payments of the agreement if the primary user (the customer) is not able.

A guarantor / guarantee is often used for those of us who have had difficulties in the past with getting credit or young customers. Many of our customers choose their parents or a close family member to countersign the agreement.

Being asked for a guarantor to countersign your agreement is not an indication of bad credit history but often a reflection of our current climate.