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Car Finance Expert Q&A

Hi, I'm Edwin and I'm here to help you!
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Edwin Miles. Underwriting Manager

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Mature student looking to upgrade to a Citroen C4 on finance

Hi Edwin, I was wondering if you could help.
My old car has 1 year left on a 4 year HP finance agreement, and I would like to upgrade to the new model Citroen C4. I have recently decided to go back to university after working full time for the past 4 years. I am still working part time in the same job and have always paid my bills on time, so my credit is good! Do you think I would have a chance now that I am no longer working full time? How would I go about this?

Posted by Dave F on


Hi Dave, thank you for your question!

It is great that you have regular work, and developed a good credit history while you were working full time. Good credit and a steady regular income will help your application, and we can try our best to find you a lender and help you get that new Citroen!

There are a couple of options available to you if you would like to upgrade your vehicle. As your agreement is hire purchase, there is the option to opt for voluntary termination when your are 50% or more of the way through your agreement, so you can simply hand your car in and end your current finance. You can also ask your lender for a settlement figure, which is the amount your need end your finance. You can part-exchange your vehicle with us to cover some or all of this amount.

Please make an application when you're ready and if approved you can choose your car from any reputable dealer in the UK, and we also provide a no obligation quote. Kind Regards, Edwin

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