Finance page

Buying a car is a big decision. For many, it’s one of the largest purchases they will ever make. So, whether brand new or new to you, it’s important to choose the right funding options. Holdcroft Group and our partner finance companies will tailor a competitive offer based on your personal requirements. Our own ‘Designed for Cars’ product is a really easy concept that makes choosing and arranging the right finance option for you simple and straightforward. Whether you wish to buy a new or used car at Holdcroft we provide competitive finance packages which can be tailored to you, easy to understand and free from jargon. At Holdcroft we have access to the manufacturers and lenders most competitive offers so we can always help ensure you get the most value for your money.

Access Finance package from Holdcroft

Access Finance package from Holdcroft

Simple, straightforward car finance, with Holdcroft Access our exclusive funding package.

Purchase a vehicle and receive:

  • 2 routine services*
  • 9.9% APR representative
  • Competitive monthly payments
  • Choice of finance options including PCP and HP


Terms and Conditions apply - 2 Services included only available when financed with an approved Holdcroft Finance Company, subject to acceptance. Complimentary servicing includes labour and certain parts, wear parts excluded. Only available on vehicles up to 2.0 litres. Maximum of next 2 services as per schedule, only redeemable at any Holdcroft branch, none transferable. No cash alternative. Participating dealerships only, subject to change or withdrawal at any time. Holdcroft Access excludes Volvo, LCV and non-franchise vehicles. 7.9% APR available for Volvo and LCV. 9.9% APR available for non-franchise vehicles.

Designed For Cars product from Holdcroft

Our own ‘Designed for Cars’ product is a really easy concept that makes choosing and arranging the right finance option for you simple and straightforward.

As a result Designed for Cars has many advantages over High Street and Internet based lenders.

  • APRs at least as Competitive as the Competition
  • Accredited and Trained Finance Specialists
  • Quick Decisions
  • Convenience
  • Fixed Term Rates
  • 1 Stop Solution
  • No representative APRs. The rate we quote is the rate you receive


Designed For Cars product from Holdcroft

A guide to choosing the best finance for you

  • Personal Contract Purchase (PCP)
  • Hire Purchase (HP)
  • Personal Contract Hire (PCH)
  • Financing Through a Dealership

Personal Contract Purchase (PCP)

Personal Contract Purchase is a flexible finance solution that lets you drive more car for your money while keeping your options open.

PCP works by deferring a portion of the car’s value to the end of the agreement – this is often called a guaranteed future value or GFV. You only make payments on the amount remaining after taking the deposit and GFV into account, so your monthly payments will be lower compared to other methods of finance.

At the end of the agreement, you have three options:

1.You can hand the car back to us

2.You can pay the optional final payment and take full ownership of the vehicle

3.You can part-exchange your car at any Holdcroft dealership for another one, using the difference between the cars valuation and its GFV as your deposit.

Advantages of Personal Contract Purchase

  • Quick and easy to arrange
  • Fixed monthly repayments to suit your budget
  • Defers part of the car’s value, so your monthly payments are less and you can afford a higher-specification car
  • Flexible payment terms from 2 to 5 years, depending on the age of the car
  • Great flexibility at the end of the agreement

To find out more on any of these car financing options or any other ways to buy a car, please do not hesitate to contact us today.


Search Our Stock


Back to top