Xsara
We arrange finance on the Citroën Xsara, built 1997 to 2006, for limited companies and LLPs, for business borrowing over £25,000, and for individuals borrowing over £60,260 under the high net worth exemption.
- BUILT
- 1997 to 2006
- ERA
- 1990s
- BODY
- 5-door hatchback (notchback); 3-door hatchback (notchback); 5-door estate
- ENGINE
- PSA XUD7/K; PSA XUD9 B; PSA XUD9 BSD; PSA XUD9 SD; PSA XUD9 TE/L; PSA XUD9 TE/Y; gasoline engine
- LAYOUT
- Front-engine, front-wheel-drive
- DESIGNER
- Donato Coco, Giles Taylor
- ASSEMBLY
- France: Rennes (PSA Rennes Plant); Spain: Villaverde, Madrid; Spain: Vigo (PSA Vigo Plant); Uruguay: Barra de Carrasco (Oferol); China: Wuhan, Hubei; Egypt: Cairo (AAV)
- BUILT IN
- France
Financing a Xsara
Nineties cars are the current growth end of the market. Originality, mileage and a documented history drive value, and modified cars are harder to place with a lender.
The Xsara was built 1997 to 2006 in France and is recorded with a psa xud7/k; psa xud9 b; psa xud9 bsd; psa xud9 sd; psa xud9 te/l; psa xud9 te/y; gasoline engine , styled by Donato Coco, Giles Taylor. Those details matter to a lender only insofar as they support a valuation: what is being funded is a specific car with a specific history, not a model line.
A company usually takes hire purchase or lease purchase on a car like this. A certified high net worth buyer borrows under the exemption. An owner who already has the Xsara in the garage can raise money against it instead. In each case the lender wants an independent valuation, evidence of condition and a clear view of how the borrowing is repaid.
Before you buy
- 01Full service history and a mileage that can be verified
- 02Whether the car is standard, and what was done if it is not
- 03Accident history and paint readings around repaired panels
- 04Tailgate aperture, rear arches and the load floor.
- 05An independent valuation the lender will accept
- 06Agreed value insurance quoted before completion
Model reference: Wikipedia. Specifications vary by year and market, so check the individual car.
Questions
Can my company buy a Citroën Xsara on finance?
Yes. A limited company or LLP can buy on hire purchase or lease purchase, with the agreement in the company name. It is not regulated consumer credit, whatever the amount. How the car is treated for tax depends on how the business uses it, so speak to your accountant.
Is a Xsara too old to finance?
Age on its own is rarely the obstacle. Specialist lenders assess the car, its provenance and an independent valuation rather than applying a cut-off year, so a 1997 to 2006 car can often be financed, subject to status and lender criteria.
Can I raise money against a Xsara I already own?
Often, yes, and the car normally stays with you. The lender takes security over it, and how much can be raised depends on the valuation and on how readily that model sells. We arrange this for companies and for certified high net worth owners.
I want a Xsara for personal use. Can you help?
That would be regulated consumer credit, which requires FCA authorisation we do not hold. Send the enquiry anyway: it is handled through one of our regulated partners, and we tell you which firm before anyone contacts you.
Finance on this page is arranged for limited companies and LLPs, for sole traders and partnerships borrowing over £25,000 wholly or predominantly for business purposes, and for individuals borrowing over £60,260 who have signed a high net worth statement. Send us the details either way: cases outside that are handled through one of our regulated partners, and we tell you who before anyone contacts you.
Start the entry formModel details compiled from marque records, Wikidata and Wikipedia. Specifications vary by year and market, so check the individual car. Market values are added to this page as the price data for Citroën is published. Questions about a specific car are best sent to enquiries@classiccarfinance.uk.