Finance Plans at Motorvogue
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Latest News: Citroën has announced the UK pricing and specification details for New C5 Aircross SUV. Prices start from just £23,225 MRRP OTR. New Citroën C5 Aircross SUV comes in three trim levels: Feel, Flair and Flair Plus, and has a unique personality with an array of personalisation options. Encompassing the Citroën Advanced Comfort® programme, the new C-segment, 5-seat SUV offers the very best in terms of comfort, modularity, latest-generation Euro 6.2 engines and a wide range of equipment for an easier and more relaxing driving experience. Citroën has announced UK pricing and specification details for New C5 Aircross SUV. Prices start at just £23,225 MRRP OTR. The official UK ‘on sale’ date for New C5 Aircross SUV is Monday 4 February, with order books opening across the Citroën dealer network on Monday 3 December.  Equipped with a 12.3-inch digital instrument cluster and the latest 8-inch HD touchscreen as standard, New C5 Aircross SUV also features ConnectedCAM Citroën® and Wireless Smartphone Charging.There is an array of 20 safety and driver assistance technologies, including Advanced Active Safety Brake, Active Lane Departure Warning and Active Blind Spot Monitoring, all of which are standard equipment. New Citroën C5 Aircross SUV is available from launch with Grip Control® with Hill Descent Assist for off-road adventures in complete safety. New C5 Aircross will be the first Citroën model with PHEV Plug-In Hybrid technology, arriving in early 2020. Available in three highly specified trim levels Feel, Flair and Flair Plus, New C5 Aircross is powered by a range of efficient, high-performance PureTech petrol and BlueHDi diesel engines, and offers the latest generation EAT8 fully automatic gearbox. AN OUTSTANDING PERSONALITY IN ITS SEGMENTWith a strong personality, New Citroën C5 Aircross SUV stands out through its unique, dynamic and confident attitude inside and out. Measuring 4.50m long, the new model is robust, muscular and powerful. Its flowing shape is punctuated with strong graphic touches such as the Airbump® panels, large wheels, ground clearance of 230mm and distinctive roof bars. Inside the cabin, Advanced Comfort seats, a wide and tall central console and soft, warm materials enhance the feeling of protection and refinement. Aligned with all the latest Citroën models, New Citroën C5 Aircross SUV features a wide range of personalisation options. A total of 30 exterior colour combinations are available, thanks to: Seven body colours highlighting the vehicle’s personality with timeless, fresh or refined tones:Polar White (standard colour), along with optional shades Volcano Red (Pearlescent), Cumulus Grey (Metallic), Platinum Grey (Metallic), Tijuca Blue (Metallic) , Perla Nera Black (Pearlescent) and Pearl White (Pearlescent).For extra personalisation, a Perla Nera Black roof is available as an option on Flair and Flair Plus models, with four selected body colours.Three Colour Packs bring a touch of audacity with coloured inserts on the front bumper, Airbump® panels and under the roof bars: Anodised Silver Colour Pack (standard specification), Anodised White and Anodised Red Colour Packs are optional across the range.Personalisation extends into the cabin too, with three ambiances featuring welcoming colours and complementary materials for an attractive, practical and functional feel: The Standard Ambiance conveys refinement – Silica Grey cloth seat upholstery combines with a light grey strip at the top of the seat backs. Specified on Feel versions.The Metropolitan Grey Ambiance plays on a tone-on-tone colour scheme – Grey Grained leather and Graphite cloth seat upholstery with a dark grey strip on the seat backs. Specified on Flair and Flair Plus versions, optional on Feel.The Hype Brown Ambiance offers a truly high-end finish – Brown Nappa leather and blackleather-effect seat upholstery combines with a light grey Alcantara strip at the top of the seat backs for extra contrast. The brown console, dashboard inserts and instrument panel hood combine beautifully with a two-tone black/brown full-leather steering wheel. Optional on Flair and Flair Plus versions.THE MOST COMFORTABLE AND MODULAR SUV IN ITS SEGMENTDefined by the Citroën Advanced Comfort® programme, New Citroën C5 Aircross SUV has an outstanding approach to driver and passenger well-being, illustrated through: The brand’s new suspension system with Progressive Hydraulic Cushions® (standard on all versions), for a uniquely smooth and comfortable ride that is synonymous with Citroën.Advanced Comfort seats (standard on Flair and Flair Plus versions), which come with the Metropolitan Grey and Hype Brown ambiances, offering increased comfort for all passengers.Three individual, sliding, folding and reclining rear seats, and best-in-class boot volume ranging from 580-litres to 670-litres, and up to 1,630-litres with the second row seats folded down. New Citroën C5 Aircross SUV offers a level of modularity that is unique in its segment.A host of ingenious and functional storage compartments for a variety of uses.A cabin bathed in light, thanks to the generous panoramic opening sunroof measuring an impressive 1,120mm by 840mm (optional on Flair, standard on Flair Plus versions).FULLY EQUIPPEDNew Citroën C5 Aircross SUV features a wide range of technologies, including 20 latest-generation driver assistance technologies, these include: Advanced Active Safety Brake, Active Lane Departure Warning and Active Blind Spot Monitoring (standard on all versions).Highway Driver Assist – a level-two autonomous driving system – Extended Traffic Sign Recognition and Speed Recommendation, and Intelligent Beam Headlights (standard on Flair Plus versions).Collision Risk Warning (standard on all versions).180o colour Reversing Camera with Top Rear Vision (standard on Flair and Flair Plus versions).Grip Control® with Hill Descent Assist (available as an option on all EAT8 automatic versions). In addition to six advanced connectivity technologies:Citroën Connect Nav with TomTom® Live updates (standard on Flair and Flair Plus).Citroën Connect Box emergency & assistance system (standard on all trim levels).Mirror Screen® function, compatible with Android Auto, Apple CarPlay™ and MirrorLink® (standard on all trim levels).Wireless Smartphone Charging (optional on Flair, standard on Flair Plus versions).ConnectedCAM Citroën® (optional on Feel, standard on Flair and Flair Plus versions). MODEL RANGE AND PRICING    TRIM LEVEL     ENGINE/TRANSMISSION                             CO2 (g/km)     MRRP OTRFeel                PureTech 130 S&S 6-speed manual             121                 £23,225.00                       BlueHDi 130 S&S 6-speed manual                108                 £24,725.00                       BlueHDi 130 S&S EAT8 8-speed automatic  107                 £26,325.00 Flair              PureTech 130 S&S 6-speed manual              121                 £25,325.00                       PureTech 180 S&S EAT8 8-speed automatic131                 £28,325.00                       BlueHDi 130 S&S 6-speed manual               108                 £26,825.00                       BlueHDi 130 S&S EAT8 8-speed automatic  107                 £28,425.00                       BlueHDi 180 S&S EAT8 8-speed automatic  126                 £30,325.00Flair Plus       PureTech 130 S&S 6-speed manual             119                 £27,725.00                       PureTech 180 S&S EAT8 8-speed automatic129                 £30,725.00                       BlueHDi 130 S&S 6-speed manual                106                 £29,225.00                       BlueHDi 130 S&S EAT8 8-speed automatic   106                 £30,825.00                       BlueHDi 180 S&S EAT8 8-speed automatic   124                 £32,725.00 To register your interest click here

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

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TEL: 01604 714555

    


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CONSUMER CREDIT & GENERAL INSURANCE
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 a lender, for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for insurance distribution activities only.

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