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Aston Martin DB12 Finance
2023-present
671 bhp
Power
3.6s 0-62mph
Acceleration
202 mph
Top Speed
Finance from
£2,168 a month
Indicative, on Lease Purchase
List price
£185,000
Specified to £240,000
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DB12 finance from £2,168 a month
- £2,168
- Per month
- £37,000
- Deposit
- 671 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £185,000
4.0L Twin-Turbo V8
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £185,000 list price at 9.9% nominal over 48 months.
An Aston Martin DB12 is £2,484 a month on Personal Contract Purchase, with £37,000 down against the £185,000 list price over 48 months at an indicative 9.9%, and a guaranteed £74,000 waiting at the end of it. Lease Purchase is £2,168. PCP is the structure we put most DB12 buyers on, because a lender that commits to the end figure is taking the one variable a Gaydon grand tourer has historically been worst at.
Aston Martin DB12 finance deals and what they cost
Car finance deals are usually quoted as one monthly figure with the structure hidden behind it, which makes them impossible to compare. The table prices the same Aston Martin DB12 three ways, on a 20% deposit of £37,000 over 48 months at an indicative 9.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Aston Martin DB12 | Hire Purchase | £185,000 | £37,000 (20%) | 48 months | None | 9.9% | £3,747 |
| Aston Martin DB12 | Lease Purchase | £185,000 | £37,000 (20%) | 48 months | £92,500 (50%) | 9.9% | £2,168 |
| Aston Martin DB12 | Personal Contract Purchase | £185,000 | £37,000 (20%) | 48 months | £74,000 (40%) | 9.9% | £2,484 |
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.
Hire Purchase amortises the whole balance, which is why it is the highest payment at £3,747 and the only row with no final payment to plan for. Lease Purchase defers £92,500 to a final balloon, taking £1,578 a month off. Personal Contract Purchase looks similar and differs underneath, because that final payment is a Guaranteed Minimum Future Value the lender stands behind rather than a balloon you have agreed to pay.
The DB12 is the car Gaydon calls a Super Tourer, and the label is doing real work rather than marketing. Six hundred and seventy-one brake horsepower and 800 Nm from a heavily recalibrated 4.0-litre twin-turbo V8, 3.6 seconds to 62 mph, 202 mph, driving the rear wheels through an eight-speed automatic and an electronic differential with torque vectoring. The bonded aluminium structure is stiffer than the DB11's and the cabin is entirely new, including the first infotainment system Gaydon has developed in house.
For a commercial lender the DB12 reads as a series-production grand tourer at £185,000, made in numbers, sold through an established retailer network and supported by a factory warranty. All of that supports a guaranteed future value, and one is available. What tempers it is the nameplate's own history, because the previous generation gave up value quickly enough that lenders now extrapolate from that record and set the guaranteed figure with a margin of caution built in.
The response from Gaydon has been deliberate and visible: fewer variants, a firmer line on discounting, and a specification strategy that does not flood the used market with near-identical cars. It is a serious attempt at fixing the marque's weakest point and it appears to be working. It is also early, and three-year evidence on the DB12 does not yet exist, which is exactly the gap a guaranteed figure is designed to cover.
Calculate your DB12 finance
The finance calculator below runs the same arithmetic as the tables above. Change the deposit, the term or the amount deferred and the monthly payment moves with it, so you can model the agreement you actually want on a DB12. Car finance on a £185,000 asset is priced on the car as much as on you.
Vehicle Config
mi
£
Lease Purchase
£
Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£2,168 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Aston Martin DB12
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £3,747 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,168 | £92,500 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £2,484 | £74,000 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the DB12 is Personal Contract Purchase. A guaranteed future value is contractual, and on a nameplate whose recent history is the reason lenders are cautious, having that figure fixed in writing at the outset is the most valuable thing in the agreement.
Lease Purchase at £2,168 is the better answer if you already know you are keeping the Aston Martin DB12 beyond the term, or if you would rather sell it yourself than hand it back. The deferred £92,500 is larger than the guaranteed figure, so the month is cheaper and the value question returns to you.
If you came here looking for Aston Martin DB12 leasing or lease deals, the distinction worth knowing is that we do not arrange contract hire, where the car goes back at the end and was never yours. Lease Purchase is the structure closest to what most people mean by leasing a DB12: the same lower monthly payment, with legal ownership from the first payment. Contract hire on cars of this value is rare, and sites offering it usually quote short-term rental rather than finance.
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. The Aston Martin DB12 sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.
What a lender sees in the Aston Martin DB12
A commercial lender underwrites the Aston Martin DB12 as an asset before it underwrites you as a borrower. The engine is where that starts: a 4.0L Twin-Turbo V8 engine producing 671 bhp, with 3.6s 0-62mph and 202 mph, puts this car in a category a specialist lender recognises. A DB12 at £185,000 and specified to £240,000 is also not one asset with one value, and options rarely come back at what they cost.
| DB12 | |
|---|---|
| Engine | 4.0L Twin-Turbo V8 |
| Power | 671 bhp |
| Torque | 800 Nm |
| 0-62mph | 3.6s 0-62mph |
| Top speed | 202 mph |
| Transmission | 8-speed automatic |
| Drivetrain | RWD |
| List price | £185,000 |
| Specified to | £240,000 |
| Production | 2023-present |
The in-house infotainment and electronics package is new to the marque with this car, which matters more to a lender than it sounds. Software that is developed, updated and supported by the manufacturer needs a maintenance trail, and a commercial lender assessing an Aston Martin DB12 at the end of a 48 month term wants confirmation that updates have been applied through the retailer network rather than skipped.
Bonded aluminium construction is a repair question rather than a durability one. The structure is light, stiff and long-lived, and it also requires an approved bodyshop for anything structural. Repair work outside that network shows up in the vehicle record and reduces what a lender will assume the car is worth, so a clean and correctly documented damage history is worth more here than a low odometer reading.
Six hundred and seventy-one brake horsepower through the rear axle with carbon-ceramic brakes as an option rather than as standard equipment creates a genuine specification spread. Two DB12s of the same age can differ materially in what they cost to recommission and what they fetch at resale, so the original commission sheet is requested at the outset rather than at the valuation stage.
DB12 features that bear on the valuation
- Bilstein DTX adaptive dampers
- E-Diff with torque vectoring
- Aston Martin's first in-house infotainment
- Bonded aluminium chassis
- Carbon-ceramic brakes optional
What a lender wants to see on a DB12
- Full Aston Martin main dealer service history with software updates applied and recorded
- The original commission sheet, including any Q by Aston Martin content and the brake specification
- Confirmation of the factory warranty expiry date relative to the proposed term
- A clear vehicle record with any repair work carried out by an approved bodyshop
- A deposit sized to bridge a heavily commissioned invoice and the lender's own valuation
Financing a used Aston Martin DB12
The DB12 has been on sale since 2023, so a used market is only now forming and the cars in it are early build with warranty remaining. Buying at that point is the most straightforward way to reduce the monthly cost, because the first owner has taken the part of the curve that lenders price most cautiously and the car itself is effectively new in every way that matters to an underwriter.
What a lender examines on a used DB12 is the commission and the record. Colour, trim, wheel choice, carbon-ceramic brakes and the Q options determine how quickly the car sells at the end of your term, and Aston Martin's specification range is wide enough that two cars at the same price can be very different assets. Full main dealer history, a clear finance position and no undeclared repair complete the file.
Pre-owned cars price the same way with smaller numbers. A used DB12 at £92,500, on the same 20% deposit and 9.9% rate, comes to £1,873 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Aston Martin DB12 holds its value
Aston Martin residuals have been the marque's weak point for two decades and the DB11 was the plainest recent example: cars bought new in the second half of the 2010s reached the used market a few years later at prices their first owners did not enjoy. That history is the reason a lender sets the DB12 guaranteed figure conservatively, and it is also the reason the guarantee is worth having on this particular car.
The Aston Martin DB12 is not the DB11 and should not be judged as one. Fewer variants, tighter supply and a genuinely different product have changed the shape of the proposition, and the early signs are better. What is not yet available is three years of used evidence, and until that exists any statement about where the car settles is opinion. Structure the agreement so you do not need to have that opinion.
The DB12 is the most convincing answer Gaydon has given to a residual problem it has carried for twenty years. Until there is three-year evidence, let the lender carry the doubt.
Everything here about the DB12 market is commentary on transactions that already happened, not a valuation and not a forecast. The residual value in your agreement is the lender's figure, set on the specific Aston Martin you are buying.
Part exchange and settlement on a Aston Martin DB12
Three things can happen at the end of a Lease Purchase term on a Aston Martin DB12, and it is worth knowing which you are planning for. You settle the £92,500 balloon and keep the car, you refinance it over a further term, or you part exchange the DB12 and take whatever sits above the balloon as equity toward the next one.
Running an Aston Martin DB12 across a 48 month agreement is closer to conventional prestige ownership than anything mid-engined in this catalogue. Servicing is annual, the twin-turbo V8 is a known and well supported engine, and a grand tourer used as one covers real mileage without punishing consumables the way a track-focused car does. Insurance sits at supercar levels and tyres are the largest recurring item.
The warranty position is what should set the term. Aston Martin's factory cover and the extensions available through the retailer network mean a four-year agreement inside cover behaves very differently in the final year from one that runs past it, and on a car with new in-house electronics that difference is worth more than the small saving a longer term produces.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the DB12 is worth more than the balloon, the difference becomes the deposit on your next agreement. If it is worth less, the Guaranteed Minimum Future Value protects you on Personal Contract Purchase, while on Lease Purchase the shortfall is yours.
Early settlement is available on every structure we arrange, but the settlement figure is calculated under the terms of the agreement rather than under the Consumer Credit Act rebate rules. Ask us for it in writing before you fix a sale date on the DB12.
How we arrange Aston Martin DB12 finance
Tell us about the car
Specification, mileage, history and where you are buying the DB12. On a £185,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Aston Martin paper, and those that do price it differently. As an independent credit broker we place the deal across a panel.
We structure the agreement
Deposit, term and the deferred amount. A 20% deposit of £37,000 over 48 months is our starting point on the DB12.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most DB12 agreements complete inside a week, anywhere in the United Kingdom.
Other models from Gaydon we finance
The Aston Martin DB12 sits at £185,000 in a range we finance end to end. Either side of it are the Vantage at £165,000 and the DBX 707 at £189,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other Aston Martin cars we arrange finance deals on are the Aston Martin Vantage, the Aston Martin DBS Superleggera, the Aston Martin DBX 707 and the Aston Martin Valkyrie, each with its own page and payment table, because a lender does not price a range, it prices a car.
Aston Martin DB12 finance FAQs
On the £185,000 list price with £37,000 down over 48 months at an indicative 9.9% nominal, the DB12 is £2,484 a month on PCP against a guaranteed £74,000, £2,168 on Lease Purchase with a £92,500 balloon, and £3,747 on Hire Purchase with nothing to settle at the end. Every figure recalculates from the price you enter, so use the calculator above with the actual price of the car being quoted to you.
Yes, and it is the structure we recommend on this car. A specialist commercial lender will set a guaranteed future value on a DB12 and stand behind it, because the model is in series production with a factory warranty and an established retail network behind it. The figure is set cautiously given the nameplate's history, which is precisely why it is worth taking: the caution is priced into the lender's promise rather than into your exposure.
It is too early to know, and anyone telling you otherwise is guessing. The DB11 before it gave up value quickly, and the DB12 was positioned specifically to correct that with fewer variants and a firmer line on supply. The early direction is better. Since three-year evidence does not exist yet, we structure DB12 agreements so the answer belongs to the lender rather than to you, which is what a guaranteed future value does.
20% is our starting point, or £37,000 against the £185,000 list price, and that is where most DB12 agreements are placed. A larger contribution reduces the monthly payment and broadens the panel of specialist lenders willing to quote. Where a car has been commissioned well beyond list through the options list or Q by Aston Martin, the deposit also needs to absorb the difference between the invoice and the valuation.
Yes. Cars from the 2023 and 2024 model years are now reaching the market with factory warranty remaining, and they are frequently the better financial decision because the first owner has taken the steepest part of the curve. A lender wants full main dealer history including software updates, the original commission sheet so the specification can be valued, a clear finance position and confirmation that any repair work went through an approved bodyshop.
Yes, on both sides of the calculation. The Volante costs more new, so a larger amount is being financed at the same rate, and the two bodystyles occupy slightly different positions in the used market, which changes the end figure a lender is prepared to guarantee. Aston Martin convertibles have historically appealed to a broad audience at resale. Make sure any quote you are comparing is written against the bodystyle you are actually buying.
Aston Martin finance by structure
This page covers the DB12. For how each structure behaves across the Gaydon range, including the models we place on it and the ones we do not, the four pages below go a level up.
Ready to finance a Aston Martin DB12?
Tell us about the car and we will come back with terms from the specialist lenders that write Aston Martin paper. From £2,168 a month on Lease Purchase.