Hang on a mo, what condition is it and how reliable has your present car been in your period of ownership, what else needs doing to it, or do you just fancy a new car.

Pug's Diesel engines indeed their cars will reach astonishing mileages so long as they are serviced regularly, what's it done now 200k?, it's just about run in then.

If the DPF is the only thing that's wrong with it then getting it fixed would be a one off paymet and the thing should be happy for another 70k or so miles.

Have you shopped around to find a Peugeot or Citroen specialist who might be able to sort the DPF for a sight less than that quote?, some DPF's can be removed and reverse cleaned, but the EOLYS fluid might need topping up which is expensive if you go to the main dealer.

Not trying to tell you how to run your finances, but borrowing to save money is not the ideal way, ask our governments, they've been doing it for years and now look at us.

If you want a new car then by all means get one, it might not be the best economic decision mind.

I agree with the above - go for a petrol. Children of that age need a lot of gubbins to be carted about, so have a look at a Focus estate, Kia Ceed SW or (a bit bigger ) a Skoda Octavia estate. Even the Skoda Fabia estate has more room than your 307 - which I suspect has had neglectful previous owners and sounds like a money-pit. Gordonbennet is right about the HDI engine, but French cars don't stand up well to abuse or neglect.

A Nissan Note - good car with a silly name - might be worth looking at: plenty of room without being a full-size (and therefore more expensive) MPV.