CITROEN

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Save 20% on New electric e-C4

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SAVE 20% ON PCP

Looking to save some money on new electric car this month? Charters Citroen of Aldershot are offering a huge discount for those customers choosing to finance their new all-electric Citroen e-C4 on Personal Contract Purchase.

SAVE 20% ON YOUR NEW E-C4 AT CHARTERS

The all-electric e-C4 provides a generous range, extreme comfort and easy fast charging across the UK network. It is one of the most desirable all-electric cars on sale currently with no compromises on space or features.

Our 20% saving (when financing through Personal Contract Purchase) means it’s even more affordable. If you’re looking for a great pcp price or lease on an impressive all-electric car, then come to Charters and save thousands on the list price.

What is Personal Contract Purchase?

Personal Contract Purchase (PCP) is a finance option that reduces the typical monthly finance price of a vehicle. You offset the guaranteed future value of the vehicle and pay the reminder (minus deposit) over a set period. At the end of your contract, you can choose to hand the car back within agreed mileage and condition, upgrade to a newer or different model or pay the agreed guaranteed future value. A simple example is shown below:

  1. You select a car which has a retail price of £25,000
  2. You place a £1,000 deposit
  3. You agree to a PCP contract of 4 years with an annual mileage allowance of 6,000 miles.
  4. In four years, the vehicle has a Guaranteed Future Value (GFV) of £14,000
  5. Your monthly payment is calculated thus: £25,000 – £1,000 – £14,000 ÷ 48 + finance fees.
  6. Assuming that the vehicle is advertised at 0% APR, your monthly payments would be £208.34 (this apr example is less common and is only shown to demonstrate the calculation)
  7. You make 48 payments of £208.34 and four years later, you have a choice to:
    1. Hand the car back in good condition and agreed mileage (24,000 miles) with nothing more to pay
    2. Upgrade the vehicle under a new finance agreement
    3. Pay the Guaranteed Future Value £14,000 and keep the vehicle permanently.

Financing your new vehicle is a great deal cheaper than a traditional hire purchase agreement (the example above would equate to monthly payments of £500). It means you have the option of keeping the vehicle or leasing it (unlike contract hire) and allows you to offset any large value to the end of the contract.

Many of our users see PCP as the Netflix of driving a new vehicle. Paying a single monthly payment means that every 2,3 or 4 years they can replace their vehicle and enjoy the benefits of lower maintenance costs and higher reliability.

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How else can I reduce my payments?

Customers can reduce the monthly payments by:

  1. Placing a larger deposit
  2. Trading in your old car or van as part exchange (using the above example, if you traded in a car worth £2,000 your monthly payments would be £166.67)
  3. Take advantage of our rare offers like this 20% discount when choosing PCP finance
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Do I have to place a deposit?

No. A deposit is not completely necessary. It just allows you to reduce your monthly payments.

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Can I use my old car as a deposit?

Yes, of course. In fact many of our customers do so. We offer highly competitive rates on our part exchanges and the process is super simple. Just drive your car to our dealership and one of our team will correctly evaluate your car. Alternatively, you can use our online valuation tool.

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I travel more mileage than that. Can I increase the Annual Mileage Allowance?

PCP is completely flexible. If you thin you’ll travel more mileage than the amount offered then we can quote you to ensure you are covered. The higher mileage you travel will equate to a lower Guaranteed Future Value and therefore higher monthly payments. Again, using the above example, if you select an annual mileage allowance of 12,000 miles, the GFV could reduce to £11,000. This means your monthly payments would be around £270.84.

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What if I travel more than the agreed mileage?

We understand that no matter how accurate we are, our mileage estimations may be off. If you car is returned with higher than agreed mileage, then the finance company will charge you on a pence per mile basis. This is shown to you when you take the contract so there are no surprises and is usually a very fair price such as 9 pence per mile.

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What if I mark or damage the car in anyway?

Accidental damage is an unfortunate way of life. Perhaps you scraped an wheel when you parked one day. At the end of your contract, your car will be evaluated by the finance company for wear and tear and anything considered worse than expected will be charged. You do have the option of arranging repair of the damage yourself.

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What about maintenance. Am I responsible for it?

As part of the PCP agreement, you are responsible for servicing and MOT-ing the vehicle (if required). New vehicles do not require an MOT for the first three years and you can include a maintenance place as part of your finance agreement so there are no hidden surprises.

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Do you offer insurance that covers accidental damage?

Yes. When you take out your finance agreement, you are offered the option of insurance that covers:

  • Accidental damage (covering cosmetic damage and includes alloy wheel damage)
  • Total Loss Cover (if you have an accident and the vehicle is written off, your insurance company may not pay the remaining finance amount. TLC allows you to cover the difference).
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I have more questions

No problem. We’re here to help. Just contact us using the form below or call us on 01252 21 31 50 (select option 3 at the switchboard) and we’ll help you further.

Contact us for more information

Sales Location

189-191 High Street
Aldershot, Hampshire GU11 1TS
Phone: 01252 21 31 50
Additional phone number: 01252939300

Terms and conditions apply. Finance prices are shown as examples only and not indicative of actual figures. Contact our team for more information. Offer can be withdrawn at any time without notice.

Make an Enquiry

Charters Group respect your privacy and will not share your information with third parties for their independent use. We would like to stay in touch with you to keep you up to date with our latest product news, marketing services and offers. If you would prefer not to receive future information by either of the methods above, please indicate by un-ticking the relevant box.

Register your interest

For the Citroen New C4

Sales Location

189-191 High Street
Aldershot, Hampshire GU11 1TS
Phone: 01252 21 31 50

Monday8:30 AM - 5:00 PM
Tuesday8:30 AM - 5:00 PM
Wednesday8:30 AM - 5:00 PM
Thursday8:30 AM - 5:00 PM
Friday8:30 AM - 5:00 PM
Saturday8:30 AM - 5:00 PM
SundayClosed

Serving Aldershot, Farnham, Farnborough, Fleet & the surrounding area with new and used Citroen

Register your interest

Charters Group respect your privacy and will not share your information with third parties for their independent use. We would like to stay in touch with you to keep you up to date with our latest product news, marketing services and offers. If you would prefer not to receive future information & offers by either of the methods above, please indicate by un-ticking the relevant box

Your Questions Answered

Yes you can. In fact, Charters have made it even easier to get an initial part-exchange quotation. We would always advise coming to visit us to get a firm offer for your vehicle. Any quotation made online is a preliminary offer only.

The price offered to you is made as full or part payment towards the vehicle of your choice. We pride ourselves that with over 100 years in the industry, we can find a price that suits you and save you the worry of advertising your old vehicle privately.

We even offer part-exchange booster offers (also known as “minimum part exchange deals”). That means, whatever condition your vehicle is in, we can offer a set price towards your next car. Look out for these deals in our offer section and if you can’t find anything that suits, just ask.

For a preliminary vehicle valuation, just visit this link and complete the form or call us on 01252 21 31 50 (select menu option 1). We’re here to help.

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:

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:

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.

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