Holden Flexible Finance

Higher purchase (HP)

This option is for customers that want to own their car at the end of the agreement. You can choose your repayment term and deposit contribution to find a payment that matches your budget.

The interest rate and monthly repayments are fixed for the duration of the agreement.

Higher purchase benefits

• Early settlement means you receive a rebate on the interest paid
• Quicker delivery of your vehicle as payment is instant
• No risk to your home as the vehicle is the security 
• The loan agreement is protected by the Financial Conduct Authority (FCA)

Personal contract purchase (PCP) 

The option is for customer that want a lower monthly payment and flexible options at the end of the term regarding ownership of the vehicle. Your term, deposit and annual mileage can be adjusted to suit your monthly repayments.

The interest rate and monthly repayments are also fixed for the duration of the agreement.

Personal contract purchase benefits

• Lower monthly repayments
• Ability to settle your finance agreement at anytime
• Flexible options at the end of the agreement a) pay the final payment and keep the vehicle b) hand the car back to the finance company c) part exchange your car and settle the agreement

MotoNovo benefits 

As well as offering competitive rates MotoNovo also provides customers with additional benefits for the duration of their finance agreement. 

These include:

• Discounts in supermarkets including Sainsbury’s, Morrisons and M&S
• Discounts on holidays including Thomas Cook and Thomson
• Discounts in Argos, Currys, Halfords, B&Q, and many more
• Discounts in many High Street stores including House of Fraser, and New look

This service is free of charge for all MotoNovo customers for the entire duration of the agreement.

*Discounts and offers are subject to availability and may change from time to time and/or be withdrawn by the underlying provider.