Finance Plans at Motorvogue
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Latest News: New Citroën C3 Aircross Compact SUV will be officially ‘on sale’ in the UK from 1 November 2017. Pricing starts from just £13,995 OTR and offers class-leading space, modular design, connectivity and innovative technology solutions. The new generation SUV has been influenced by the Citroën Advanced Comfort® programme and is designed for ease of use. Citroën’s new SUV has the latest in Grip Control® technology with Hill Descent Assist and delivers continuous connectivity with the range debut of Wireless Smartphone Charging. New Citroën C3 Aircross is available to order in the UK now, with pricing starting from just £13,995 OTR and officially goes ‘on sale’ on 1 November 2017. New C3 Aircross marks the beginning of Citroën’s SUV offensive in Europe and enters the increasingly popular B-SUV segment. Set to shake-up the market with its highly customisable character – 85 personalisation combinations – and distinctive SUV design, New C3 Aircross introduces a number of new technologies to the Citroën range including Wireless Smartphone Charging and Grip Control® with Hill Descent Assist.  Technology continues as a core theme in New C3 Aircross with 12 different technologies that assist your journey including voice controlled 3D navigation, keyless entry and start, a reversing camera, lane departure warning and blind-spot monitoring. New C3 Aircross also offers best-in-class space for maximum passenger comfort, with generous legroom in the front and rear, as well as an exceptional modular boot space with a volume of up to 520-litres. Available in three highly specified trim levels Touch, Feel and Flair, New C3 Aircross is enhanced by efficient, high-performance PureTech petrol and BlueHDi diesel engines, as well as the latest generation EAT6 fully automatic gearbox. EXTERIOR DESIGN New C3 Aircross dominates the road with its raised ground clearance, elevated driving position, front and rear skid plates, large wheels and wheel arch extensions. The body styling is underscored by strong graphic features such as touches of colour on the roof bars, and the ‘Venetian Blind’ rear quarter-lights. The striking SUV has an unrivalled number of personalisation options. The exterior bi-tone roof, standard on the Flair trim level and available in three colours can be complimented by one of the four exterior colour pack options, giving a total of 85 combinations. New C3 Aircross also features the instantly recognisable coloured light surrounds, door mirrors, wheel centre caps, rear quarter window and roof bars. ON-BOARD WELL-BEING The Citroën Advanced Comfort® programme has influenced the creation of New C3 Aircross SUV with features designed to emphasise a feeling of reassurance, comfort and calm. The ergonomically designed comfortable seats are paired with ingenious storage spaces and an uncluttered dashboard for passenger comfort. The continuous 360o glazed area and opening panoramic sunroof fill the cabin with light meaning even greater visibility for both the driver and passengers. The new-generation SUV offers a choice of five different interior ambiences comprising of special seat upholstery, a range of dashboard textures, door panel designs, and touches of colour on the central console surround, steering wheel, air vents and seat backs. New C3 Aircross boasts a generous and practical interior with a split sliding and folding rear bench, 60/40 split-folding and adjustable seat backs, perfect for long journeys. The class-leading boot space of 410-litres can be further extended up to 520-litres with the sliding rear bench option available on the Flair trim level. INTELLIGENT TECHNOLOGIES New Citroën C3 Aircross Compact SUV introduces new technologies to the range including Grip Control® with Hill Descent Assist. The enhanced traction system provides control and safety even on steep inclines reducing the risk of slipping or acceleration as the vehicle descends in forward or reverse gear. Citroën’s new SUV has up to 12 driving aids to further improve the driving experience, equipped with intuitive technology for safety and peace of mind. Features include the Colour Head-up Display, Speed Sign Recognition and Recommendation, Active Safety Brake, Intelligent Beam Headlights, Park Assist, Top Rear Vision Reversing Camera, Keyless Entry and Start as well as Lane Departure Warning and Blind Spot Monitoring Systems. STAYING CONNECTED New C3 Aircross promises continuous connectivity and infotainment via a 7-inch touchscreen which groups together the key vehicle functions such as air conditioning, radio, telephone and Sat Nav. New C3 Aircross is the first Citroën model to be equipped with a Wireless Smartphone Charging function where motorists can simply place a latest-generation smartphone on the charging area of the central console and the battery will continuously charge while the engine is on. Other features include voice controlled 3D navigation via Citroën Connect Nav, Citroën Connect Box and also mirror screen function which is now available in Android Auto as well as MirrorLink® and Apple CarPlay™. To benefit from personalised information and support, customers can download the MyCitroën app for up-to-date data and reminders. ENGINES The efficient, high-performance powertrain options continue the technological theme with PureTech petrol and BlueHDi diesel engines as well as the latest generation EAT6 fully automatic gearbox available as part of the range. Want to know more? Contact our Citroën Branch on 01234 354257.

Finance Plans Explained at Motorvogue

From PCP to hire purchase, here's everything you need to know about financing your next car. 

Car finance might seem daunting, but in reality it's just a simple two-stage process.

The first stage is to decide on the type of car deal you want: loan, lease, hire purchase, or dealer finance. Then it's a simple matter of choosing the provider whose product best suits your needs.

Personal Contract Hire (PCH)

The word 'Hire' tells you what PCH is all about. Basically you're renting a car for (typically) two or three years, with an agreed mileage limit of (typically) 10,000 miles a year. There's no option to buy the car at the end of the contract; you just hand the keys back to the finance provider. In effect, your payments are only covering the car's depreciation.

While you're running it, you're responsible for the car's upkeep. On the plus side, the deposit is low (three or six months' rental is common), as are the fixed monthly repayments, and you can blunt the impact of repair bills by incorporating a maintenance element into the agreement. Check that a separate manufacturer servicing package won't be cheaper before you tick that box, however.

Cars that hold their value well are a good PCH option, because the difference in their new and three-year-old values will be smaller, so you'll repay a lower amount. Cars that plummet in value from new are a bad choice, because you'll repay a much larger amount.

Just as with PCP, you'll need to make sure the car is in good condition when you hand it back, or you could face additional fees as the finance firm cleans it up.

Go for PCH if you say yes to one or more of these statements:

You don't want to own a car, or suffer its depreciation
You like being able to change cars frequently
You like the idea of driving better cars than you could normally afford
You don't mind looking after cars

Personal Contract Purchase (PCP)

It's a bit like HP in that there's a deposit to pay, a fixed interest rate, and monthly repayments over a choice of lending terms, which are usually between 12 and 36 months.

Where PCP differs from HP is at the end of the term. Then you'll have three choices. You can:

  • Return the car to the supplier
  • Keep the car
  • Trade the car in against a replacement

The first option, returning the car, costs nothing, unless you've gone over an agreed mileage or failed to return it in good condition. In either case there'll be an excess to pay.

Keeping the car means making a final 'balloon' payment. This amount is the car's guaranteed future value, or GFV, which is set at the start of the agreement.

The GFV is based on various factors, including the length of the loan and the anticipated mileage as well as the car's projected retail value. If you exercise this final buying option, you can of course keep running the car, or you can sell it, pocketing any equity above the GFV that you've paid back to the lease company.

If you're trading the car in, any GFV equity can be used as a deposit towards the next one.

Just bear in mind that the GFV doesn't always contain a huge amount of equity at the end of the term - so when you're working out monthly costs, it's probably wise to factor in a few extra pounds per month that you can put away in preparation for the next deposit at the end of two or three years.

If the car has gone into negative equity – which can happen – you'll have to find all of that deposit if you want a further PCP. Shorter leases are more likely to come with more accurate GFVs and manufacturers are quite proactive in trying to get you out of a car early if they think there's scope to get you into a new one on a decent monthly rate; it's not uncommon dealers to call customers on three-year deals about a year early - because doing a new PCP keeps the buyer tied to that manufacturer for a further period of time.

Go for PCP if you say yes to one or more of these statements:

  • You want lower monthly repayments
  • You like the flexibility of options at the end of the agreement
  • You can confidently and accurately nominate your mileage

Hire Purchase

Under HP agreements, there's a deposit to pay – typically 10% – followed by fixed monthly payments. The car is owned by the HP company until the final payment – and any 'option to purchase' ownership-transfer fee – has been paid. Up to that point, the person making the payments has no legal right to sell the vehicle.

Nevertheless, some 'owners' do sell 'their' cars before the final payment. The good news for buyers of these 'non-paid-up' HP cars is that the law clearly protects private purchasers who buy without notice of any undischarged HP agreement.

No matter what the police or anyone else might tell you, you'll get a good title to the car if you buy an HP car under these circumstances. The finance company can take action against the seller if they wish, but it's not your problem.

The credit on an HP agreement is secured against the car, so it's like dealer finance in that the only the car can be seized in the event of a default. If you need to sell the car before the end of the agreement, you'll have to repay the outstanding debt first – and 'early settlement' fees may apply.

Go for HP if you say yes to one or more of these statements:

  • Eventual ownership is important to you
  • Your budget and circumstances suit fixed monthly repayments
  • Your disposable income is likely to decrease over the agreement term (eg if you're planning a family)
  • You like low-risk credit secured against the car only
  • You don't mind not owning the car until the debt is fully repaid
Motorvogue Bedford

Interchange Park, Bedford, MK42 7GB

TEL: 01234 867788


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Motorvogue Northampton

74 Kingsthorpe Road, Northampton, NN2 6HE

TEL: 01604 714555


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Motorvogue Clapham (Bedford)

87 High Street, Clapham, Bedfordshire, MK41 6AQ

TEL: 01234 354257


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Motorvogue Kings Lynn

Scania Way, Hardwick Industrial Est, King's Lynn, Norfolk, PE30 4LP

TEL: 01553 772644


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Motorvogue (Northampton)Ltd is an Appointed Representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Motorvogue (Northampton)Ltd to act as a credit broker, not as lender, for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for insurance mediation activities only.