Specialist Ferrari finance, arranged through a panel of commercial lenders for deals from £25,000 upwards. We work across the full Ferrari range, from current model-year cars to limited-build halo models and classics.
Typical Ferrari list prices range from £180k to £3.5m+
Ferrari finance is specialist commercial car finance arranged against a Ferrari at £25,000 and above, and Hypercar Finance is the independent credit broker that places it with a panel of commercial lenders. What a Ferrari costs to fund is set by four inputs and nothing else: the price of the car, the deposit, the term, and the balloon or Guaranteed Minimum Future Value deferred to the end of the agreement.
The Ferrari finance deals we arrange run across the Maranello range and the used market behind it. A 296 GTB lists from £241,560, a Ferrari Roma from £199,355, the 12Cilindri from £335,000, the SF90 Stradale from £419,940 and the Purosangue from £398,000, while a LaFerrari trades from around £2.5m. Each of our four Ferrari product pages carries a payment deck computed at render time, so the car finance figures follow your deposit and term rather than sitting stale in a paragraph.
Hypercar Finance is an independent credit broker and is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated consumer credit. Every agreement here is unregulated commercial finance for a company, a director, or a high net worth buyer, and we place deals across England, Scotland, Wales and Northern Ireland from our London base.
What it costs to finance a Ferrari
Ferrari finance costs are decided by the structure long before they are decided by the rate. Take the list price, subtract the deposit, defer whatever balloon the residual will carry, and the balance in the middle is what you pay interest on across the term. On a 296 GTB at £241,560 a 20 per cent deposit and a 55 per cent balloon leave barely a quarter of the car to amortise; remove the balloon and the whole balance amortises instead. That is the largest single lever in Ferrari car finance.
Deposits run 15 to 30 per cent of the purchase price, terms run 36 to 60 months, and our indicative band on current cars is 8.9 to 9.9 per cent, tightening on a strong asset and a clean commercial profile. A larger deposit lowers the amount financed and improves the rate at the same time.
We compute figures rather than print them, because a printed one is wrong the moment the deposit changes. The finance calculator on this page runs your own numbers against any Ferrari price, and our hire purchase, lease purchase, PCP and equity release pages each carry a computed deck. Compare that against the captive route. Ferrari Financial Services is competitive on a current model year car and we will say so, but on used, limited build and classic cars an independent car finance broker almost always places the deal better.
Ferrari finance deals and the four structures behind them
Every Ferrari finance deal we place is one of four structures, and picking the right one is worth more than shaving a fraction off a rate. Compare the finance options on what happens at the end of the term, not on the figure at the start.
Hire purchase spreads the full balance with no balloon. Title passes with the final instalment, and it is what most directors take when a Ferrari goes on the balance sheet of a limited company. Lease purchase defers an agreed sum to a final balloon pegged to the projected residual, which lowers the amount financed across the term, and it is what we write most often on a 296 GTB, a 12Cilindri or an SF90 Stradale. Ferrari Financial Services offers hire purchase and lease purchase through the dealer, so the real difference is which car the finance will look at, not which structure.
Personal contract purchase does the same job with the residual risk moved: the Guaranteed Minimum Future Value is fixed at the outset, so the lender carries the forecast rather than you. It suits the Ferrari Roma, the Roma Spider and the Purosangue, where there is enough comparable data for a lender to commit to a number. Contract hire and leasing sit outside what we arrange, because leasing never delivers title.
Equity release refinances a Ferrari already owned, releasing the difference between an agreed valuation and any outstanding balance as cash. It is the structure we use most on appreciating cars, from an F40 or 288 GTO through to a LaFerrari, and it is the one thing Ferrari Financial Services cannot arrange at all, because a captive lends against new stock rather than against a car you already hold.
Our car finance guides set out all four in full, and the guides to lease purchase and equity release are the two most Ferrari buyers read first. Ask us to compare two finance options side by side against the same car and we will, whether that is a used Ferrari California or a new 12Cilindri, and the finance deals we quote will show what each does to the amount financed.
Which Ferrari models we fund, from Roma to LaFerrari
The current Maranello range is where most Ferrari car finance enquiries start. The 296 GTB is the plug-in hybrid V6 mid-engined car from £241,560, in Ferrari GTB and open GTS form. The F8 Tributo, last of the flat-plane V8 line, sits from £213,000. The 812 Superfast closed the front-engined V12 chapter at £270,000 and the 12Cilindri succeeded it at £335,000. The SF90 Stradale is the plug-in hybrid flagship at £419,940, with the SF90 Spider above it.
On the grand touring side the Ferrari Roma is the 2+2 coupe at £199,355 and the Roma Spider is the fabric-roofed version of it. The Purosangue, the marque’s first four-door, lists at £398,000. Behind the current cars sits the used market we fund just as readily: the Ferrari California and Ferrari California T, the Ferrari Portofino and Portofino M, the 458 Italia and 458 Speciale, the 488 GTB and the F12berlinetta.
The classic car side runs deeper. We arrange finance against the Dino 246 GT, the 275 GTB, the 365 GTB/4 Daytona, the 288 GTO, the F40, the F50, the Enzo and the LaFerrari, which trades from around £2.5m. Ferrari has confirmed its first electric car and we will fund it on the same basis. Classic cars are underwritten on the individual example rather than on the model.
Maranello residuals and what a lender will lend against on a Ferrari
Ferrari residual work is done example by example, because a lender funds a specific car with a documented market rather than a badge. Limited-build cars behave very differently from volume cars: F40 values traded well below their launch price in the mid-1990s and have climbed hard since, while the 458 Italia settled and then firmed as the last naturally aspirated mid-engined V8. Both are history rather than a forecast, and both change what a lender will support as a balloon.
The evidence that moves loan to value is mundane and worth assembling before we submit. Ferrari main dealer or specialist service history, a Ferrari Classiche certificate, original specification against the build sheet, genuine mileage, and a clean provenance check against the registration number all lift the figure.
Ferrari Financial Services writes against a standard residual table. Our lenders underwrite the asset itself. On a current 296 GTB the two land close together; on a Daytona, an F50 or a low-mileage 288 GTO they do not, because a table has nothing sensible to say about a car of which a few hundred were built. That gap is the argument for a specialist car finance broker on older cars.
Buying from a Ferrari dealer, at auction, or privately
Franchised Ferrari dealers and specialist dealers are the simplest route. There is an invoice, a warranty position and, on approved used stock, a documented inspection, and the lender pays the dealer directly. New allocation sits with Ferrari and the dealer, and the car finance runs alongside it rather than through it. Ferrari Financial Services will usually be offered at that point, and there is no obligation to take it.
A private sale is cheaper and slower, because the lender has to verify title, confirm there is no outstanding finance against the car and check the V5C before releasing funds. We start that work as soon as you have agreed a price.
Auction is the most time-critical thing we do. You are committed at the fall of the hammer and the balance plus the buyer’s premium is normally due inside seven days. We agree an in-principle facility against the catalogue lot before the sale, confirm in writing whether the lender funds the hammer price or the all-in figure, and draw down inside the deadline. Anyone comparing Ferrari cars for sale should settle that premium question before bidding.
The questions buyers ask before they commit to a Ferrari
Ferrari buyers ask the same four questions. Can you get a Ferrari on finance? Yes: we arrange car finance and hire purchase on new, used and classic Ferrari cars from £25,000 upwards through a panel of commercial lenders, usually with a decision inside 48 hours. Ferrari ownership costs sit outside the agreement, but our guides cover them.
Does Ferrari finance its own cars? Yes. Ferrari Financial Services is the captive arm and sits alongside the dealer on current model year cars. We are the independent alternative to Ferrari Financial Services, and the gap is widest where the captive has least to work with: used cars, limited series, the classic market, and anything bought at auction. That is where the sharpest Ferrari finance deals sit, and where the best deals on hire purchase are usually found.
What is the 50 per cent rule for car finance? It is voluntary termination under the Consumer Credit Act and applies only to regulated consumer agreements. The Ferrari finance we arrange is unregulated commercial finance, so the right does not apply and early settlement terms are negotiated at the outset instead.
Can a Ferrari be funded through a limited company? Yes, and it is the most common route we see. Hire purchase is the usual structure where the car is held as a business asset, and it is offered by us and by Ferrari Financial Services alike. How the car finance is treated in your accounts is for your accountant.
