Smart Buy

SmartBuy – the smart way to buy your new Holden


    When you finance the purchase of your new Holden through Holden Finance Services, SmartBuy's guaranteed minimum buyback price gives you an assurance of your vehicle's future value, no matter what happens to the car market in the meantime. If you comply with the terms of the contract, at the end of the financing contract you can keep it, trade it or return it - it's up to you.


    Firstly, you have the option to keep your Holden simply by making the final, larger payment which reflects the agreed value of the vehicle at that date. And because this figure is determined up front, you can plan for it financially. If you wish, you may be able to refinance this amount with Holden Financial Services.


    You can trade your Holden and use the trade-in value towards the final payment, keeping any excess or paying any shortfall.


    Provided you comply with the terms of the contract, you can return your vehicle to your Holden Dealer, paying a $350 fee and any excess charges instead of the final payment).


Structure your repayments over a 1, 2 or 3 year period, whatever suits you best.


What happens at the end of my SmartBuy contract if I choose to return my Holden?

Your Holden Dealer will inspect the car’s condition for excess wear and tear. You will be charged for any such excess. If you’ve exceeded the allowed number of kilometres, you’ll be charged a separate excess kilometre amount.

What is excess wear and tear?

Examples are such items as broken glass, damage to body or trim (minor paint chips or scratches are generally not considered excess wear and tear), torn, damaged or badly stained interior, missing parts, etc.

What if my Holden’s value is less than my SmartBuy final payment?

The most attractive aspect of Holden SmartBuy is the vehicle return option you have at the end of the financing contract. Provided you comply with the terms of the contract, simply give Holden Financial Services 30 days written notice,  return the vehicle and pay the $350 disposal fee, plus any excess charges (if applicable). You then walk away with no further obligations.

Can I trade my Holden before my term is up?

Yes, provided you pay all amounts owed to Holden Financial Services under the financing contract at that time, however it’s worth remembering the structure of Holden SmartBuy with the larger final payment. This means that the amount you may owe during the term of the contract is likely to be greater than the trade-in offer. That’s why it’s important to choose a term which best suits your driving cycle.

At the end of the SmartBuy contract you have three choices: keep the car, sell the car or give the car back. It all depends on what best suits you at the time.

With SmartBuy’s guaranteed minimum buyback, your Holden’s future value is assured, no matter what happens to the car market.

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