Rule 424(b)(3)
                                                     Registration Statement
                                                     No. 33-58107

PRICING SUPPLEMENT NO. 13,

Dated December 18, 1995, to
Prospectus, dated March 24, 1995, and
Prospectus Supplement, dated April 5, 1995.

                          THE CIT GROUP HOLDINGS, INC.
                            5.700% MEDIUM-TERM NOTES
                   DUE NINE MONTHS OR MORE FROM DATE OF ISSUE


(X) Senior Note                                     ( ) Senior Subordinated Note

Principal Amount:  U.S. $ 100,000,000.

Proceeds to Corporation:  99.790% or $99,790,000.

Underwriting Discount:  .160%.

Issue Price:  99.950%.

Original Issue Date:  December 21, 1995.

Maturity Date:  December 15, 1998.

Interest Rate Per Annum:  5.700%.

Interest Payment Dates:  Each June 15 and December 15, commencing June 15, 1996,
provided that if any such day is not a Business Day, the payment will be made on
the next succeeding Business Day as if it were made on the date such payment was
due, and no interest  will accrue on the amount  payable for the period from and
after such Interest Payment Date or the Maturity Date, as the case may be.

         Interest  payments will include the amount of interest accrued from and
         including the most recent  Interest  Payment Date to which interest has
         been  paid (or from  and  including  the  Original  Issue  Date) to but
         excluding the applicable Interest Payment Date.

The Notes are  offered by the  Underwriters,  as  specified  herein,  subject to
receipt and acceptance by them and subject to their right to reject any order in
whole or in part.  It is expected  that the Notes will be ready for  delivery in
book-entry form on or about December 21, 1995.

                              SALOMON BROTHERS INC








Form:  Global Note.

Specified Currency:  U.S. Dollars.

Trustee, Registrar,  Authenticating  and Paying  Agent:  Harris  Trust & Savings
         Bank,  under  Indenture dated as of May 1, 1994 between the Trustee and
         the Corporation.

                                  UNDERWRITING

         Salomon Brothers Inc (the "Underwriter") is acting as principal in this
         transaction.

         Subject  to the terms  and  conditions  set forth in a Terms  Agreement
         dated   December  18,  1995  (the  "Terms   Agreement"),   between  the
         Corporation and the Underwriter,  incorporating  the terms of a Selling
         Agency  Agreement  dated  April 6, 1995,  between the  Corporation  and
         Lehman  Brothers,  Lehman  Brothers Inc., CS First Boston  Corporation,
         Goldman,  Sachs & Co.,  Merrill  Lynch & Co.,  Merrill  Lynch,  Pierce,
         Fenner & Smith Incorporated, Morgan Stanley & Co. Incorporated, Salomon
         Brothers Inc, and UBS Securities  Inc., the  Corporation  has agreed to
         sell to the  Underwriter,  and the  Underwriter has agreed to purchase,
         $100,000,000 principal amount of the Notes.

         Under the terms and conditions of the Terms Agreement,  the Underwriter
         is committed to take and pay for all of the Notes, if any are taken.

         The Underwriter has advised the Corporation that it proposes  initially
         to offer the Notes directly to the public at the public  offering price
         set forth on the cover page of this Pricing  Supplement  and to certain
         dealers at such price less a  concession  not in excess of .150% of the
         principal  amount of the Notes.  The  Underwriter  may allow,  and such
         dealers may reallow, a discount not in excess of .100% of the principal
         amount  of the  Notes on sales to  certain  other  dealers.  After  the
         initial  offering,  the price to public and  concession and discount to
         dealers may be changed by the Underwriter.

         The Notes are a new issue of  securities  with no  established  trading
         market. The Corporation currently has no intention to list the Notes on
         any  securities  exchange.  The  Corporation  has been  advised  by the
         Underwriter  that it  intends  to make a market in the Notes but is not
         obligated to do so and may  discontinue  any market  making at any time
         without  notice.  No assurance  can be given as to the liquidity of the
         trading market for the Notes.

         The Corporation has agreed to indemnify the Underwriter against certain
         liabilities, including liabilities under the Securities Act of 1933, as
         amended.



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