Life is ever-changing. With so many changes that can happen tomorrow, it’s nice to be certain about a few things in the future, today. Holden Guaranteed Value1 is a flexible finance solution that ‘Future Proofs’ the value of your new Holden from the moment you drive away from the dealership.
Holden Guaranteed Value is one of the simplest financing decisions you’ll ever make. Whether you are a business or private customer, Holden Guaranteed Value can be tailored to your needs.
Choose your Holden
We have plenty of models - whether you’re looking for that perfect family car, running a small business or spend your day trekking cross-country.
Choose the following
• The length of the loan term up to four years • The deposit amount, if any • The number of kilometres2 you intend to drive each year over the term of the loan.
Whatever you decide here will help us calculate the guaranteed value of what your Holden will be worth to us at the end of your loan term.
If your Holden Guaranteed Value loan is approved3, drive away and enjoy your new Holden.
Holden Guaranteed Value offers monthly repayments with a higher final payment, often called a balloon (equivalent to the guaranteed value amount2). Generally, a higher final payment reduces the monthly repayment amount over the loan term when compared to a loan without a guaranteed value amount or balloon final payment.
While you are obliged to make the final payment to keep your Holden, with Holden Guaranteed Value, you also have the option to return your Holden to us whereby we will buy your Holden for the guaranteed value amount, and this amount will be applied to your final payment. Please note that we may reduce the guaranteed value amount if you exceed your annual kilometre allowance or if your Holden doesn’t meet our Fair, Wear and Tear Guidelines
Let’s jump forward to the end of your loan term. Holden Guaranteed Value puts you in control with the options to trade in, keep or return your Holden. This is where we deliver on our promise to you. The future proofed value of your Holden can now come into play.
As your life changes, your Holden can change with it. You can trade in your Holden for a new vehicle that matches your lifestyle or business needs, as long as loan conditions are met. If the trade in value is higher than the guaranteed value amount2, you can use this amount as a deposit towards reducing the price of your new Holden or pocket the difference.
You might decide that your Holden perfectly fits your life and you just want to keep it. No problem. You can keep your Holden by paying the outstanding loan balance (including the final payment equal to the guaranteed value amount that was agreed at the start of your agreement).
If you decide that trading in or keeping your Holden isn’t the best option for you - you can return your Holden. Holden Financial Services will purchase your Holden for the guaranteed value amount2 (as long as the loan conditions are met) and put it towards the remaining loan balance. The guaranteed value amount will be reduced if loan conditions are not met.
Be mindful of your responsibilities if you want to return your Holden with Holden Guaranteed Value. These include staying within your nominated annual kilometres, and keeping the condition of your Holden within the Fair, Wear and Tear Guidelines.
Holden Guaranteed Value provides certainty about what the future value of your Holden will be to us at the end of your loan term. This guaranteed value amount is agreed at the beginning of your Holden Guaranteed Value journey.
Today, if you choose to start your Holden Guaranteed Value journey, simply select your Holden, your loan term, your annual kilometres2 and deposit (if any). The choice is yours.
In the future, you determine what happens at the end of the loan term. Holden Guaranteed Value puts you in control with the flexibility to trade in, keep or return your Holden.
1. The Holden Guaranteed Value product (HGV) consists of a loan with a final balloon payment, with an option to return your vehicle to Holden Financial Services (HFS) at the end of the loan term, requiring HFS to purchase the vehicle for an agreed amount as determined by HFS (the guaranteed value amount) equivalent to the final balloon payment. This amount will be applied towards your final balloon payment. At the end of your loan term you can decide to: (A) Return the vehicle to HFS who will purchase your vehicle for the guaranteed value amount (which may be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance (max 40,000km per annum for a 48 month term or max 50,000km per annum for up to a 36 month term) or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guidelines); (B) trade in the vehicle; or (C) keep the vehicle by paying the guaranteed value amount. The guaranteed value amount is not a representation by HFS as to the likely market value of the vehicle as at the end of your loan contract. The option is available on new and approved demonstrator vehicles.
2. The guaranteed value amount may be reduced, and you will be liable for any loan contract deficit, if you exceed the nominated kilometre allowance and/or the vehicle is not in an acceptable condition in accordance with the Fair Wear and Tear Guidelines. An excess usage charge will be applied for each kilometre travelled above the nominated kilometre allowance (specified odometer) in your loan contract.
3. Finance to approved applicants, subject to suitability. Credit criteria, fees, charges and terms and conditions apply. Holden Financial Services is a registered trademark of General Motors LLC and is used under sub licence by GMF Australia Pty Ltd ABN 52 622 566 447, Australian Credit Licence 507256.