Citroën Finance

At LMC Farnham, we’re committed to giving you the most flexible finance options available. Buying a car on finance is the most effective way of minimising the initial purchasing cost. A finance plan works a lot like a loan: you place an initial deposit to secure the vehicle, then pay off the balance in manageable monthly installments until you own the car outright.

We understand that considering a finance agreement can seem like a daunting commitment. This is why we provide honest, concise and transparent information on the finest details of our finance plan. With a wealth of experience with car finance, our team are best placed to provide advice and guidance according to your personal situation.

Our Finance Partners


LMC of Farnham Ltd (LMCFL) is an Appointed Representative of Automotive ComplianceLtd (ACL), who is authorised and regulated by the FCA (FCA No 497010). ACL’s permissions as a Principal Firm allows LMCFL to act as a credit broker, for the introduction to lenders. Introduction does not amount to independent financial advice. The lender with the best rates and other contributions is used. If they cannot offer finance we will use another lender. We may receive a fixed or percentage commission, based on the model/amount borrowed. These do not affect the amount payable; this is set by the lender. If you ask what the commission is, we will tell you before the agreement is executed. Finance is subject to status, T&C’s apply, UK residents only, 18’s or over. Guarantees may be required.


With our popular PCP Payment Plan, you stay in control. Here’s just some of the benefits:

  • You know exactly where you are financially, with fixed monthly payments that are typically lower than other finance agreements.
  • Our monthly payment plans can be structured to suit your budget
  • You can enjoy a new car motoring experience more often, and avoid potentially costly service and repair bills that you may encounter with an older car.
  • There’s no risk of negative equity over the full term of the agreement because we guarantee the future value of your car, so you know from the start the minimum value* you can expect for your car after your agreement has ended.


With the PCP Payment Plan, you can rest assured knowing that you have three simple options to choose from at the end of your finance agreement.

  • You can part exchange your car for a new one, and enjoy that new car motoring experience all over again!
  • Simply pay the guaranteed future value and own the car out right, subject to paying the option to purchase fee.
  • You can return the car to Citroën, with nothing further to pay, subject to mileage and vehicle condition.


Depreciation is the biggest single cost of new car ownership. With a PCP you can enjoy the new car motoring experience and not worry about your car’s depreciation as we’ll guarantee its future value. At the end of your agreement, you can simply hand the car back or part exchange for a new one. If you did find you wanted to own your car at the end of the agreement you can, just pay the GFV (Guaranteed Future Value) and an option to purchase fee.


With the PCP Payment Plan, we deduct from the vehicle price, the minimum amount that the vehicle will be worth at the end of your agreement (Guaranteed Future Value) based upon your chosen mileage band (from 6,000 to 30,000 per annum) and your deposit (between 0% and 40% of the vehicle price). You then pay the difference with fixed monthly payments over a term of 25, 31 or 37 months based on the remaining balance, plus interest charges.


GFV is the ‘Guaranteed Future Value’ which is the minimum amount we think your car will be worth at the end of your agreement, assuming your vehicle is kept in a reasonable condition and within the agreed mileage limit, as per the terms and conditions of your agreement.


Yes. Don’t be caught out. If you choose to hand the car back or part-exchange the vehicle, it is vital to be accurate with your estimated usage, because you’ll face additional charges If you have exceeded the agreed mileage at the end of your agreement. Similarly, if you fail to look after the vehicle properly, you could incur extra charges. Vehicle condition should have reasonable wear & tear for it's age and mileage.


We have worked hard to offer two great products which will help to protect your new purchase, offering peace of mind. Click here to learn more.


If you have a complaint about any aspect of our service then we would like to hear from you. You can contact us by telephone or in writing and your complaint will be resolved by the appropriate person in the shortest possible time. To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance contact the LMC department with which you have been dealing.

We will try to resolve your complaint immediately; however, sometimes, this may not be possible. In the unlikely event that we are not able to resolve your complaint by the end of the next business day, we will keep you informed of the progress of our investigations and provide our final response in writing providing our findings and the action to then take.

To register a complaint contact us by either:

calling us on 01452 671 560

or write to us at Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD

If we cannot resolve your complaint within 8 weeks, you may refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0800 023 4567 or 0300 123 9123 or you can visit their website at

If you have any questions in relation to our Complaints Handling Procedure, please contact us in writing at the address on the contact page of our website.

Initial Disclosure Document - click here to download