What happens at end of PCP term? - Citroen DS4 Forums
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post #1 of 4 (permalink) Old 21st November 2016, 15:24 Thread Starter
Join Date: Nov 2016
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When our PCP ends in two years time I was wondering if Citroen give you the option to carry on the finance to pay off the remainder, or whether you need to arrange that yourself if required?

This is assuming we want to keep the car longer than two years.

What is everyone else doing?

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post #2 of 4 (permalink) Old 21st November 2016, 18:01
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The finance is likely arranged via a third party, rather than Citroen (Check your finance agreement)
You can PX it for a new car
Hand the car back...nothing to pay
Pay off the balance

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post #3 of 4 (permalink) Old 21st November 2016, 20:17
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Citroën finance will never match the high street, for example Nationwide are doing 3.4%, Citroën will arrange finance that is likely to be in the region of 10% - they have no motivation to do this for you as your dealer would much prefer you come in and get another car on a PCP; they will certainly call you in advance of the 3 years to tell you all about the deals they have (i.e. they have metal to shift and get a bonus), that's the way the PCP gravy-train works

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post #4 of 4 (permalink) Old 22nd November 2016, 16:12
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If you want to keep your car and say for arguments sake there was 8k owing AND you wanted to keep the car, just arrange an 8k high street loan which as mentioned above will be cheaper than anything your finance company offers you.
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