Careers Blog About COVID-19 Update Hand-Picked Returns Policy Buy online login Contact us Menu Home / Finance 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 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 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 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 Please select a branch* Select a branch Select your enquiry type * I would like to Ask About Finance First name * Surname * Contact number * Email address * Your enquiry * Marketing preferences Please select all methods by which you are happy to be contacted in the future. Telephone SMS Email Postal By submitting this form I agree to the terms and conditions. Get in touch Call us Find your local Holdcroft Popular pages New cars Vehicle search Finance Servicing Valuations Parts Fleet Motability Popular brands © Holdcroft Motor Group 2021 Reg Office: T G Holdcroft (Holdings) Ltd, Leek Road, Hanley, Stoke on Trent, Staffordshire ST1 6AT Reg Company No: 08734338 VAT Reg No: 655 1338 39 Trading Companies Powered by Nexus Point Apex Financial Disclosure Holdcroft are a credit broker and not a lender. We are not an independent financial advisor. We are Authorised and Regulated by the Financial Conduct Authority (FCA). Details of our FCA numbers can be found here . Finance is subject to status. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. Finance products offered include Hire Purchase/Conditional Sale, Personal Contract Purchase and Contract Hire. Corporate Responsibilities Trading Companies Privacy & Legal Returns Policy Marketing Preferences Site Map