Works, with a caveat
Aston Martin PCP Finance
Gaydon's current range on a monthly payment, with a conservative exit price that has historically favoured the buyer
Indicative monthly payment from
£1,877a month
Based on Aston Martin Vantage at £165,000, arranged as Personal Contract Purchase at 9.9% nominal.
- Deposit
- £33,000
- Term
- 48
- Final payment
- £85,800
20%
months
52%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A DB12, a Vantage or a DBX 707 goes out on a monthly payment with a large slice of the price parked in a final guaranteed figure. Aston Martin PCP asks for a deposit, spreads the balance over 48 payments and leaves that guaranteed value to be settled or walked away from, and Gaydon's residual history is why walking away has often been the right call.
We arrange Aston Martin PCP across 5 current and recent Aston Martin Lagonda models, from the Vantage at around £165,000 to the Valkyrie at £2,500,000. Every figure on this page is computed from those real list prices by the same finance calculator you can run yourself, and we are an independent credit broker arranging the financing rather than a lender, so the rate and the term come back from our panel of specialist lenders rather than from us.
What an Aston Martin PCP costs a month
The figures below are computed from each car's real list price using the same amortisation the finance calculator on this page runs, at 9.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific Aston Martin, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Aston Martin PCP is set once a lender has seen both.
The table prices the Aston Martin DBS Superleggera, then the DBX 707 and DB12. Change the car and the monthly payment moves with the list price, the deposit and the term rather than with anything we decide.
| Vehicle | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|
| Aston Martin DBS Superleggera | £225,000 | £56,250 (25%) | 48 months | £123,750 (55%) | 9.9% | £2,160 |
| Aston Martin DBX 707 | £189,000 | £28,350 (15%) | 48 months | £90,720 (48%) | 9.9% | £2,519 |
| Aston Martin DB12 | £185,000 | £37,000 (20%) | 48 months | £92,500 (50%) | 9.9% | £2,168 |
Indicative only and not a quotation. Figures are calculated on a balance-with-balloon amortisation at the nominal annual rate shown, and assume no fees. Final terms depend on the commercial lender's underwriting, your circumstances, and the vehicle's specification and provenance.
Aston Martin PCP finance calculator
Change the price, the deposit and the term to see what moves. The calculator runs the same amortisation as the table above, so the two can never disagree.
Vehicle Config
mi
£
Personal Contract Purchase
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Gaydon models we place on Aston Martin PCP
We arrange Aston Martin PCP across the Aston Martin Lagonda range rather than on a shortlist of easy cars, but the structure does not fit every model equally. Our specialist lenders take new, pre-owned and classic Aston Martin cars alike, and the judgement in the table below comes from how each car has actually behaved at the end of a term rather than from what is easiest to place.
The Aston Martin DB12, the Vantage, DBS Superleggera and DBX 707 suit Aston Martin PCP. The Valkyrie does not, for the residual reason set out further down. Prices below are list, and a pre-owned DB12 is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| DB12 | £185,000 | Yes | Forecastable residual, guaranteed figure available |
| Vantage | £165,000 | Yes | Forecastable residual, guaranteed figure available |
| DBS Superleggera | £225,000 | Yes | Forecastable residual, guaranteed figure available |
| DBX 707 | £189,000 | Yes | Forecastable residual, guaranteed figure available |
| Valkyrie | £2,500,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
Aston Martin
Valkyrie Finance
From £2,500,0001,140 bhp
Aston Martin
DBS Superleggera Finance
From £225,000715 bhp
Aston Martin
DBX 707 Finance
From £189,000697 bhp
Aston Martin
DB12 Finance
From £185,000671 bhp
Aston Martin
Vantage Finance
From £165,000656 bhp
Each card opens the model page, where you can model Aston Martin PCP financing against that specific vehicle.
Aston Martin PCP deposit, term and balloon
Aston Martin PCP is built from three numbers. A deposit, typically 20% on an Aston Martin Lagonda car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And a guaranteed minimum future value deferred to the end, which is what pulls the monthly payment down to the figures above.
You have three ways to deal with the balloon payment: settle it and take the Aston Martin outright, refinance it over a further term, or sell the car and clear it from the proceeds. Which of those is right is worth deciding before the agreement is written rather than in its final month. Early settlement part way through is allowed, with interest you have not yet run rebated. New, pre-owned and classic cars are all eligible, and Aston Martin sits inside the wider classic car finance, luxury car finance and sports car finance market we work across.
Our specialists place Aston Martin PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and an Aston Martin decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £140,000 to £3,000,000
- Aston Martin deal range
- 4 of 5
- Models suited to PCP
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged from £25,000 upwards
On current residual behaviour
Moves with the car and your position
Indicative rates from 9.9% nominal
Why arrange Aston Martin finance with a specialist broker
Aston Martin finance at this level is not a retail product and is not priced from a rate card. We are an independent credit broker rather than a lender, so Aston Martin PCP goes to the lenders on our panel that genuinely write against Aston Martin Lagonda cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Aston Martin finance figure on this page is computed from a real list price in our catalogue, from the Vantage up to the Valkyrie, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing an Aston Martin Lagonda car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Aston Martin car finance, classic car finance, luxury car finance and sports car finance, or simply a monthly payment on a Vantage, the four structures and the panel behind them are the same. We arrange bespoke finance across the UK, a classic car goes to the same underwriters as a new one, and the monthly payments quoted here are computed rather than advertised.
What we do on an Aston Martin that a dealer finance desk does not
- Place Aston Martin PCP across a panel rather than with one lender, so a decline on an Aston Martin starts the conversation rather than ending it
- Price new, pre-owned and classic Aston Martin cars on the same panel, including a Vantage bought privately or a Valkyrie bought at auction
- Structure around Aston Martin Lagonda residual behaviour rather than against it, which is the whole of the argument on this marque
- Say when one of the other three structures suits your Aston Martin better, even where it is the one we place less often
How Aston Martin Lagonda residuals set the guaranteed future value
The DB11 and the outgoing DBS generation gave up value quickly, and buyers who bought new in that period generally did not enjoy the experience. Gaydon knew it, and the response has been visible in the way the DB12 and the current Vantage have been positioned: fewer variants, a firmer line on discounting, and a specification strategy that does not flood the used market with near-identical cars.
It is working, but it is early. Three-year data on the DB12 does not exist yet, so a lender setting a guaranteed figure on one is extrapolating from a nameplate whose recent history argues for caution. In practice that means the guaranteed figures available on a current Aston Martin are conservative relative to the equivalent Italian or German car, and the monthly payment reflects that.
The DBX 707 is the steadiest thing in the range on a lender's screen, because performance SUVs of that size have a broad and liquid used market. At the other end, the Valkyrie is a limited-build car that has never traded near list and is not a candidate for any guaranteed-value product.
Aston Martin residuals have been the marque's weak point for two decades, and the current generation is the first serious attempt to fix it.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Valkyrie | A guaranteed future value is either declined outright or set below what the car is really worth, so the lender's protection is worth little here |
| Falling | DBS Superleggera, DB12, DBX 707 | Forecastable, so a guaranteed figure can be set and priced |
Market commentary rather than a valuation. Residual value is the largest single variable in a £25,000-plus vehicle agreement and no credit broker can guarantee it. Lender posture on Aston Martin: Available across DB12, Vantage and DBX 707 but set conservatively given the nameplate's residual history. Declined on Valkyrie.
Aston Martin PCP against the other three structures
The four finance options are not interchangeable on an Aston Martin, and the reason is the one running through this whole page: who carries the residual. Personal Contract Purchase hands it to the lender through a guaranteed minimum future value. Lease Purchase leaves it with you behind a balloon payment you agree. Hire Purchase removes the question by amortising the full cost and ends in outright ownership. Equity Release is not a purchase structure at all, but a refinance against an Aston Martin you already hold.
You are here
Aston Martin Personal Contract Purchase
Works, with a caveatPCP is written across the current Aston Martin range, and the guaranteed figures are conservative because Gaydon's residual history gives underwriters reason to be careful.
- Works, with a caveat
Aston Martin Hire Purchase
Hire purchase suits the Aston Martin buyer who is keeping the car, and on this marque the gap between it and the guaranteed-value alternative is narrower than the residual record alone would suggest.
- Works, with a caveat
Aston Martin Lease Purchase
Lease purchase is available across the Aston Martin range and is the right call only where you are certain you will settle the balloon, because Gaydon's residual record means you would be carrying a risk lenders themselves price cautiously.
- Works, with a caveat
Aston Martin Equity Release
Equity release works on an Aston Martin where the car is a Valkyrie or comes from the collector back catalogue, and very rarely on a two-year-old DB12.
Ratings are our own view of how each structure behaves on Aston Martin, based on the residual evidence above rather than on which product is easiest to place.
Where PCP stops working on a Gaydon car
A DB12, a Vantage or a DBX 707 will all attract a guaranteed minimum future value without difficulty. The complication is the level. The DB11 and the outgoing DBS generation depreciated sharply enough that lenders still price the nameplate from that experience, and the current cars have not been on sale long enough to argue otherwise with data. So the guaranteed figure on a DB12 is lower than the equivalent German grand tourer, and the monthly payment is correspondingly higher.
That conservatism cuts both ways, and on this marque it has historically cut in the buyer's favour. If the current generation holds no better than the last one, the guaranteed figure will be above the open-market value in four years and handing the car back will be the right answer. Aston Martin buyers who financed this way through the DB11 cycle generally did better than those who paid cash.
The Valkyrie is not a PCP car and never will be. It is a limited-build hypercar that has not traded near list, and lenders decline guaranteed values on it as a matter of course. The same applies to the collector-grade back catalogue, from DB4 and DB5 through to the V12 Vantage run-out cars.
Related Reading
Aston Martin PCP finance FAQs
Aston Martin Vantage at £165,000 works out at roughly £1,877 a month on Personal Contract Purchase, with £33,000 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £85,800 deferred to the end. Dearer cars in the range scale up from there. Every figure is computed rather than quoted, so run your own before relying on it.
It is a sound one, and the reason is specific to this marque. Aston Martin's recent residual record means the guaranteed figure a lender sets on a Vantage is cautious, which raises the monthly payment but also makes the option to hand the car back genuinely valuable. You are effectively paying a little more each month to fix your downside on a marque where the downside has historically been real.
Because underwriters price the nameplate's history and the DB12 is too new to have replaced it. The DB11 and DBS generation lost value quickly, and until three-year data on the current cars exists, lenders extrapolate from what they have. Expect the gap to narrow as the DB12 builds a used-market record.
Yes, and the DBX 707 is the most straightforward car in the range to place. Large performance SUVs have a broad and liquid used market, which gives the lender confidence in the guaranteed figure. We arrange these as unregulated commercial agreements above £25,000, so the company route is the usual one.
Partly. Q by Aston Martin work makes a car more distinctive and can shorten the time it takes to sell, but a lender setting a guaranteed figure values the car against comparable transactions rather than against the original invoice. Treat bespoke specification as something you buy for yourself rather than as a contribution to the balloon.