Core structure
Ferrari Refinance and Equity Release
Capital out of the car, keys still in your pocket, and the monthly repayment worked out below
Indicative repayment from
£1,266a month
Based on £50,000 released and repaid over 48 months at 9.9% nominal, with the car staying yours throughout.
- Released
- £50,000
- Term
- 48
- Balloon
- None
example sum
months
capital and interest
Indicative and not a quotation. Computed at render time from the capital sum shown on the same amortisation the calculator runs.
You raise capital against a Ferrari you keep driving. Ferrari equity release refinances the car you already own: an independent appraisal sets what can be advanced, anything still outstanding on an F40, a LaFerrari or a 296 GTB is settled first, and ownership never changes hands. Repayments are straight capital and interest, with no balloon at the end.
We arrange Ferrari refinance across 8 current and recent Ferrari S.p.A. models, from the Roma at around £199,355 to the LaFerrari 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 Ferrari refinance costs a month
Releasing capital against a Ferrari costs the interest on the sum advanced over the term you pick, and nothing else moves it. The table below prices three example sums at 9.9% nominal over 36, 48 and 60 months, so you can see what the term does to the monthly payments before committing to one. Ferrari car equity release is secured lending against a car you own, so what can be advanced is settled by an independent appraisal of its market value.
| Capital released | Over 36 months | Over 48 months | Over 60 months |
|---|---|---|---|
| £50,000 | £1,611 | £1,266 | £1,060 |
| £100,000 | £3,222 | £2,531 | £2,120 |
| £200,000 | £6,444 | £5,063 | £4,240 |
Indicative only and not a quotation. The capital sums shown are examples rather than an offer: what can actually be advanced against your car depends on an independent appraisal, on anything still outstanding against it, and on the commercial lender's underwriting. Figures are computed on a straight amortisation at the nominal annual rate shown and assume no fees.
Ferrari refinance 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
£
Equity Release
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Maranello models hold enough value to refinance
We arrange Ferrari refinance across the Ferrari S.p.A. 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 Ferrari 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 Ferrari SF90 Stradale, the LaFerrari suit Ferrari refinance. The 296 GTB, F8 Tributo, Roma, Purosangue, 812 Superfast and 12Cilindri do not, for the residual reason set out further down. Prices below are list, and a pre-owned SF90 Stradale is arranged on the same panel as a new one.
| Model | List from | Suits refinance | Why |
|---|---|---|---|
| 296 GTB | £241,560 | No | Equity only where the car is owned outright |
| F8 Tributo | £213,000 | No | Equity only where the car is owned outright |
| SF90 Stradale | £419,940 | Yes | Value has held or risen, so there is equity to advance against |
| Roma | £199,355 | No | Equity only where the car is owned outright |
| Purosangue | £398,000 | No | Equity only where the car is owned outright |
| 812 Superfast | £270,000 | No | Equity only where the car is owned outright |
| 12Cilindri | £335,000 | No | Equity only where the car is owned outright |
| LaFerrari | £2,500,000 | Yes | Value has held or risen, so there is equity to advance against |
Ferrari
LaFerrari Finance
From £2,500,000963 bhp
Ferrari
SF90 Stradale Finance
From £419,9401000 bhp
Ferrari
Purosangue Finance
From £398,000725 bhp
Ferrari
12Cilindri Finance
From £335,000830 bhp
Ferrari
812 Superfast Finance
From £270,000800 bhp
Ferrari
296 GTB Finance
From £241,560830 bhp
Each card opens the model page, where you can model Ferrari refinance financing against that specific vehicle.
How much can be released against a Ferrari
Three things decide what comes back on Ferrari refinance: what an independent appraiser puts on the car, what is still outstanding against it, and how long you want to repay the total amount over. The advance settles any existing agreement first, and the balance is what reaches you. Ownership of the Ferrari does not move at any point and you keep driving it throughout.
Repayment on Ferrari car equity release is straight capital and interest at 9.9% indicative nominal, with no balloon and no option to exercise at the end. Terms on Ferrari S.p.A. cars typically run to 48 months. New, pre-owned and classic cars are all eligible, and refinancing an agreement held elsewhere is common. Because the agreement is unregulated commercial finance above £25,000 it is underwritten individually rather than priced off a published rate card.
- £180,000 to £3,500,000
- Ferrari deal range
- 2 of 8
- Models suited to refinance
- 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 Ferrari finance against an owned car needs a specialist
Ferrari 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 Ferrari refinance goes to the lenders on our panel that genuinely write against Ferrari S.p.A. cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Ferrari finance figure on this page is computed from a real list price in our catalogue, from the Roma up to the LaFerrari, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing a Ferrari S.p.A. car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Ferrari car finance, supercar finance, classic car finance and exotic car finance, or simply a monthly payment on a Roma, 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 a Ferrari that a dealer finance desk does not
- Place Ferrari refinance across a panel rather than with one lender, so a decline on a Ferrari starts the conversation rather than ending it
- Price new, pre-owned and classic Ferrari cars on the same panel, including a Roma bought privately or a LaFerrari bought at auction
- Get the car appraised independently rather than taking a trade valuation, because the advance follows the appraisal
- Say when one of the other three structures suits your Ferrari better, even where it is the one we place less often
How Ferrari S.p.A. values set what a lender will advance
Series production from Maranello behaves close to conventionally. A Roma, a Purosangue or a 296 GTB gives up value over the first three years in a way a lender can model, because Ferrari builds enough of them for a comparable sales record to exist and because the specification spread, while wide, is bounded. Those are the cars a commercial lender is willing to put a guaranteed figure against.
The limited-build side behaves in the opposite direction. Icona and Special Series cars, and the historic run through F40, F50, Enzo and LaFerrari, have spent the last decade sitting at or above list, and in several cases well above it. An asset that is expected to be worth more at the end of the term than at the start breaks the arithmetic a Guaranteed Minimum Future Value depends on, and the practical result is that lenders decline to set one rather than set one they would regret.
The dividing line is not model year and it is not price. It is build volume and allocation. A 12Cilindri is a series car despite costing more than a used F8 Tributo. An 812 Competizione is not, despite sharing an engine with the 812 Superfast. We take the view per car, not per model line.
Ferrari is two residual markets sharing a badge, and the finance structure that fits one of them does not fit the other.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | LaFerrari, F40, Enzo, Daytona SP3, 812 Competizione | 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 | Roma, Purosangue, 296 GTB | 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 Ferrari: Available on current series cars, declined on Icona, Special Series and the historic catalogue.
Ferrari refinance against the other three structures
The four finance options are not interchangeable on a Ferrari, 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 a Ferrari you already hold.
- Works, with a caveat
Ferrari Personal Contract Purchase
PCP is written on current series Ferrari and is not written on the limited-build cars, so the answer depends on which Ferrari you are buying.
- Core structure
Ferrari Hire Purchase
Hire purchase is the only structure written across the whole Ferrari catalogue, from a Roma to a LaFerrari, because nothing in it depends on a lender agreeing what the car will be worth in four years.
- Core structure
Ferrari Lease Purchase
Lease purchase is the right structure for the limited-build half of Maranello's range, because it leaves the residual with you on cars the market expects to be worth more at the end of the term than at the start.
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Ferrari Equity Release
Core structureEquity release is the natural Ferrari structure, and it works best on exactly the cars no lender will write a guaranteed future value against: F40, Enzo, LaFerrari and Daytona SP3.
Ratings are our own view of how each structure behaves on Ferrari, based on the residual evidence above rather than on which product is easiest to place.
Where equity release stops working on a Prancing Horse car
The limited-build side of Maranello is where this product earns its place. An F40, an Enzo, a LaFerrari or a Daytona SP3 is usually owned outright, is worth a multiple of what it cost, and has a value evidenced by recorded public sales rather than by a trade guide. That is the combination a lender needs before it will refinance a vehicle and advance the difference between the appraised value and anything still outstanding. The car stays with you throughout and the release is secured on it.
The series cars are not excluded, they simply behave differently. A Roma, a Purosangue or a 296 GTB owned outright will support a sensible advance, and the most common reason a Ferrari owner asks is an allocation: releasing car equity from the vehicle already in the garage funds the commitment on the next one without selling anything. Where a series Ferrari still carries car finance and is only a year or two into its term, expect the positive equity to be thin, because the balance has not amortised far enough to open a gap.
The appraisal governs the advance, not the nameplate's reputation. A car with a broken service record, an undocumented ownership chain or no Ferrari Classiche certification where the market expects one will be valued conservatively however strong that model's market is. Two F40s are not the same asset on an underwriter's screen, and the weaker history file will produce the smaller release.
Related Reading
Ferrari refinance and equity release FAQs
Releasing £50,000 against a Ferrari costs around £1,266 a month over 48 months at 9.9% indicative nominal, on a straight capital and interest repayment with no balloon. What you can actually release is set by an independent appraisal of your car and by anything still outstanding against it, so treat this as an illustration rather than an offer.
Yes, and that is the cleanest version of the transaction. With no car finance outstanding there is no settlement figure to clear first, so the whole appraised value is the base the advance is set against. We are an independent credit broker arranging unregulated commercial finance above £25,000, the car stays with you throughout, and the funds are drawn for the commercial purpose you tell us about at the outset.
By appraisal and comparable recorded transactions rather than by a valuation book. LaFerrari sales are public, infrequent and well documented, so an underwriter builds the valuation from those results and then adjusts for mileage, specification, colour and the strength of the history file. That work takes longer than a mainstream car finance decision, which is why these cases go to lenders who do it routinely.
Only if the car is worth more than the settlement figure. Refinancing clears the existing agreement first and advances the difference, so positive equity is the entire precondition. Two years into a term on a series Ferrari that gap is frequently small and sometimes absent. Send us the settlement letter and we will tell you plainly whether there is anything there before you take it any further.
On the historic cars, materially. Classiche confirms a car is matching-numbers and correct to factory specification, which removes the largest single question an underwriter has about a forty-year-old Ferrari. A certified F40 is easier to value and easier to liquidate, and both of those feed straight into the valuation the advance is calculated from. On a current 296 GTB it is not a relevant document.