Peugeot Finance, formerly known as PSA Finance, provides a range of financial products and services designed to facilitate the purchase and ownership of Peugeot vehicles. A crucial component of Peugeot’s overall sales and customer experience strategy, Peugeot Finance operates across numerous countries, helping customers acquire new and used vehicles, as well as offering services for fleet management. The core offerings of Peugeot Finance typically include: * **Retail Financing:** This is the most common offering, providing loans to individual customers to purchase new or used Peugeot vehicles. The terms of these loans, including interest rates, repayment schedules, and down payment requirements, are tailored to the customer’s credit profile and financial situation. Various loan options are often available, such as fixed-rate loans for predictable payments and balloon payments designed to lower monthly costs, albeit with a larger final payment. * **Leasing:** For customers seeking a shorter-term commitment and lower monthly payments, leasing is a popular alternative to purchasing. Peugeot Finance leases generally involve lower upfront costs and allow customers to drive a new vehicle every few years. At the end of the lease term, customers typically have the option to purchase the vehicle, return it, or lease a new one. * **Insurance Products:** To further protect customers’ investments, Peugeot Finance often offers a suite of insurance products. These may include auto insurance, gap insurance (which covers the difference between the vehicle’s value and the outstanding loan balance in case of theft or total loss), and extended warranty programs designed to provide coverage beyond the manufacturer’s standard warranty. * **Service and Maintenance Packages:** To enhance the ownership experience, Peugeot Finance often provides service and maintenance packages that cover routine maintenance such as oil changes, tire rotations, and inspections. These packages can provide peace of mind and help customers budget for vehicle maintenance costs. * **Fleet Financing:** Peugeot Finance also caters to businesses and organizations that require multiple vehicles. Fleet financing options can include loans, leases, and specialized services tailored to the needs of commercial customers. These solutions are designed to help businesses manage their transportation costs and maintain their fleet efficiently. The availability and specific details of these financial products and services vary by country and region, reflecting local market conditions and regulations. Peugeot Finance works closely with Peugeot dealerships to provide a seamless and integrated customer experience, offering financing solutions at the point of sale. The success of Peugeot Finance is closely tied to the overall performance of the Peugeot brand. By providing competitive financing options, Peugeot Finance helps to drive sales, increase customer loyalty, and enhance the brand’s reputation. Moreover, it plays a vital role in managing risk and ensuring the financial stability of Peugeot’s automotive operations. While now part of the larger Stellantis group after the merger with Fiat Chrysler Automobiles, the legacy of Peugeot Finance as a key enabler of Peugeot ownership remains.