Car Finance

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Servicing plans are a great way to have peace of mind when it comes to your vehicle’s routine services.

Servicing plans are a great way to have peace of mind when it comes to your vehicle’s routine services.

With ‘Holdcroft Access’ you’ll get 2 free routine services when you finance your used car with a Holdcroft approved finance company.

2 Services included on ‘Holdcroft Access’ only available when financed with an approved Holdcroft Finance Company, subject to acceptance, at 12.9% APR. Complimentary servicing includes labour and certain parts, wear parts excluded. Maximum of next 2 services as per schedule, only redeemable at any Holdcroft retailer, non-transferable. No cash alternative. Participating retailers only, subject to change or withdrawal at any time. Holdcroft Access excludes Volvo, Alpine, LCV and B&M prestige. 9.9% APR available for Alpine, 9.9% APR available for B&M prestige and 9.9% APR available for LCV. 10.9% APR available for Honda. Hyundai Used Electric Vehicles up to 5 years old (October 2018) receive 10.9% APR finance rate with 2 complimentary services included. Demonstrators, including demonstrator EVs receive 9.9% APR finance rate with no services included. Used Honda HR-V vehicles up to 4 years old (January 2019) receive 8.9% APR finance rate with no complimentary services included. Two year complimentary servicing subject to acceptance with the following lenders; Santander Financial Services, Mobilize Financial Services, Hyundai Capital, Volvo FS and MG Motor Financial Services. *Honda Financial Services only available at Holdcroft Honda branches, MG Motor Financial Services only available at Holdcroft MG branches.  

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.


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Any questions?

If you have any questions or would like some more information, please let us know and a member of our highly experienced finance team will be in touch

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