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Citroën finance options

In the market for a Citroën? Here's our guide on how to finance and insure one today.

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Thomas Stelzer
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Citroën was founded in Paris in 1919 and was the first manufacturer to mass-produce a front wheel drive car in 1934. It is now part of the multinational Groupe PSA, which is now the second largest automobile manufacturer in Europe.

What's in this guide?

Citroën models available in Australia

There are six new Citroën models available to purchase in Australia, including a range of SUVS, a people mover and commercial van. These are:

  • Citroën C3
  • Citroën C3 Aircross
  • Citroën C5 Aircross SUV
  • Citroën Grand C4 Picasso
  • Citroën C4 Cactus
  • Citroën Berlingo

How much does it cost to buy and run a Citroën?

According to Redbook, the purchase prices of popular 2018 Citroën models are as follows:

  • 2018 Citroën C3 Shine Auto: $23,490
  • 2018 Citroën C4 Cactus Exclusive Auto: $28,490
  • 2018 Citroën Grand C4 Picasso Exclusive Auto: $38,490
  • 2018 Citroën Berlingo L2 Auto: $29,990

Fuel efficiency

According to Redbook, the Citroën Berlingo L2 Auto has a fuel efficiency of 4.1L/100km, making it the most efficient Citroën model available in Australia. The Citroën C3 Shine and C5 Aircross SUV both have a fuel efficiency rating of 4.9L/100km, while the Citroën C4 Cactus Exclusive Auto comes in at 5.1L/100km, and 6.4L/100km for the Citroën Grand C4 Picasso Exclusive Auto.

The ATO classifies a fuel-efficient car as one with a fuel consumption of less than 7L/100km, meaning all Citroën models would meet fall under this classification.

Other costs to consider

Insurance

You need to purchase compulsory third party (CTP) insurance in Australia in order to use your vehicle, which covers the other driver in the case of an accident. You can also take out other optional insurance products to cover theft, fire or any accidental damage to your car. The cost of insurance will depend on the policy you purchase, as well as your risk profile, which factors in your age, gender and driving history. You can compare your options below.

Stamp duty

When you purchase a new or used car, you will need to pay stamp duty to have the vehicle transferred into your name. The cost will vary by state or territory, but you can use this vehicle stamp duty calculator to get an estimate of what you'll have to pay.

New car add-ons

The listed price for a new car will generally not include extras such as leather seats and alloy wheels. If you plan on purchasing optional extras for your Citroën be sure to factor in the additional costs to make sure they meet your budget.

Maintenance and repairs

All vehicles require ongoing maintenance and servicing to ensure they continue running properly. You should also be mindful of any unexpected repairs as they can often be quite expensive.

Cost of finance

There are a number of finance options you can use to help purchase your Citroën, but you should consider the costs of different types of financing before deciding on the one that is right for you.

What types of Citroën financing options are available?

  • Secured car loan. A secured loan is a popular way to finance a car purchase. The vehicle is used as security against the loan, and you will generally receive a lower interest rate than if you do not use the vehicle as security.
  • Unsecured car loan. A simple personal loan where you do not need to use your vehicle as security. The rate you receive will likely be higher than that of a secured car loan.
  • Dealer finance. While most loan options are provided by traditional lenders, you can also have your financing arranged by the dealer.
  • Chattel mortgage. A car loan for businesses that give them immediate ownership of the vehicle, which is then paid off over the course of the loan term.
  • Commercial hire. A type of business car loan where the lender purchases the vehicle on your behalf. You make regular repayments on the lease and can generally take ownership of the vehicle at the end of the lease term, provided you cover the residual value.
  • Novated lease. An employee lease that lets you make payments directly from your pre-tax income, reducing the amount of tax you pay. Your employer will need to agree to deduct the payments directly from your salary.

Factors to consider when financing your Citroën

Before choosing a finance option, you should always take the following factors into account:

  • Loan amount. Lenders will have different minimum and maximum amounts you can borrow, so you should always confirm a specific loan will meet your financial needs before applying.
  • Interest rate. Along with the loan amount, the interest rate you receive will determine the size of your repayments. However, rates will vary across different loan products and competitive rate for one type of loan may not be competitive for another.
  • Loan term. Most car loans generally offer terms of one-to-seven years. Other types of finance, such as a novated lease, may offer shorter terms.
  • Fees and charges. There are a number of different fees and charges that you may have to pay depending on the type of finance you require. These include application and establishment fees, ongoing service fees, as well as early repayment or break cost fees.
  • Repayments. You will generally need to make regular repayments over the term of your loan, but the frequency of payments will vary based on the type of loan you need. Some finance options may also require you to make a large, one-off payment at the end of the term.
  • Vehicle ownership. While a chattel mortgage gives you immediate ownership of the vehicle, most car finance options only let you take ownership at the end of the term, provided you have completed your repayments. Some lease options will not give you ownership of the vehicle and others may require you to make a balloon payment in order to take ownership.

What you will need to apply for a Citroën

To be eligible for a loan, you will generally need to be:

  • You're at least 18 years old
  • You're an Australian citizen or permanent resident
  • You're currently employed or earning a reliable income

You will also generally need to provide the following as part of your application:

  • Contact details and proof of residence
  • Proof of employment and income
  • Financial information, including any debts, assets and liabilities
  • For a novated lease, your employer will need to arrange payment directly from your income
Finance a Citroën
Citroën insurance options

Compare car loans you can use to purchase a Citroën

Data updated regularly
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Monthly Repayment View Details CTA
IMB New Car Loan
IMB New Car Loan
4.99%
(fixed)
5.34%
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
Go to site
View details
Plenti Car Loan
Plenti Car Loan
From
4.89%
(fixed)
5.44%
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Go to site
View details
Loans.com.au - New and Dealer Used Car Loan
Loans.com.au - New and Dealer Used Car Loan
From
4.67%
(fixed)
5.22%
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
You'll receive a fixed rate from 4.67% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
Go to site
View details
NRMA New Car Loan
NRMA New Car Loan
From
4.99%
(fixed)
5.69%
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Go to site
View details
Credit Concierge Car Loan
Credit Concierge Car Loan
From
3.85%
(fixed)
4.91%
You'll receive a fixed rate of 3.85% p.a. with a comparison rate of 4.91% p.a.
Get access to over 20 providers to fund a new or used car.

You'll receive a fixed rate of 3.85% p.a. with a comparison rate of 4.91% p.a.
Get access to over 20 providers to fund a new or used car.

Go to site
View details
Wisr Secured Car Loan
Wisr Secured Car Loan
From
4.74%
(fixed)
5.01%
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

Go to site
View details
NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed
From
6.99%
(fixed)
7.91%
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% (13.56% comparison rate) or less. See Comparison rate warning in (i) above.
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% (13.56% comparison rate) or less. See Comparison rate warning in (i) above.
Go to site
View details
OurMoneyMarket Car Loan
OurMoneyMarket Car Loan
From
5.35%
(fixed)
5.65%
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 10 years.
Go to site
View details
MoneyForJam Car Loan
MoneyForJam Car Loan
From
3.25%
(fixed)
5.82%
You'll receive a fixed rate from 3.25% p.a. based on your risk profile
Borrow between $5,000 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers.
You'll receive a fixed rate from 3.25% p.a. based on your risk profile
Borrow between $5,000 and $120,000 with loan terms up to 7 years to finance a new or used car. Get access to more than 40 providers.
Go to site
View details
CUA Secured Fixed Car Loan
CUA Secured Fixed Car Loan
6.79%
(fixed)
7.16%
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
Go to site
View details
Latitude Personal Loan (Secured)
Latitude Personal Loan (Secured)
From
5.99%
(fixed)
7.26%
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
You'll receive a fixed rate between 5.99% p.a. and 21.99% p.a. based on your risk profile
Lock in a competitive fixed rate when you offer security. Loan can be used for any purpose and repayments are flexible. You can check your interest rate before applying with no impact to your credit score.
Go to site
View details
Stratton Finance New Car Loan
Stratton Finance New Car Loan
From
4.05%
(fixed)
5.63%
You'll receive a fixed rate from 4.05% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
You'll receive a fixed rate from 4.05% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
Go to site
View details
SocietyOne Car Loan
SocietyOne Car Loan
From
6.99%
(fixed)
6.99%
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
Go to site
View details
Driva Car Loan
Driva Car Loan
From
3.95%
(fixed)
5.1%
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
You'll receive a fixed rate from 3.95% p.a.
Borrow up to $250,000 with loan terms from 1 to 7 years. Get access to a range of lenders.
Go to site
View details
People's Choice CU Discounted Personal Loan (Car Loan)
People's Choice CU Discounted Personal Loan (Car Loan)
From
4.65%
(fixed)
4.99%
Borrow over $20,000 and secure with a new or used car less than 2 years (manufacture year 2018).
Pre-approval, no monthly fees and fixed rate for 5 years.
Borrow over $20,000 and secure with a new or used car less than 2 years (manufacture year 2018).
Pre-approval, no monthly fees and fixed rate for 5 years.
Go to site
View details
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Compare up to 4 providers

Compare car insurance side-by-side and get quotes

Data updated regularly
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Get Quote
View details
QBE Comprehensive
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Get Quote
View details
Bingle Comprehensive
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Get Quote
View details
Coles Comprehensive
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Get Quote
View details
Poncho Comprehensive
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Get Quote
View details
Qantas Comprehensive
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
Get Quote
View details
ahm Comprehensive
ahm Comprehensive
Optional
Both
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums plus you can get up to 15% off when you purchase a new car insurance policy. T&Cs apply. Additionally, their Fixed Kilometre Plan can save you up to 30% compared to their standard comprehensive cover.

Who it might be good for: People who drive less than 15,000 km per year.
Get Quote
View details
Virgin Comprehensive
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
Get Quote
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Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

More info
Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

More info
Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

More info
Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

More info

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