Core structure
Ferrari Hire Purchase Finance
Own the Ferrari at the end: a deposit, fixed monthly payments, no balloon and clean title when the last one clears
Indicative monthly payment from
£4,892a month
Based on Ferrari 296 GTB at £241,560, arranged as Hire Purchase at 9.9% nominal.
- Deposit
- £48,312
- Term
- 48
- Final payment
- None
20%
months
owned outright
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
Drive the Ferrari you want on a fixed monthly payment and own it outright the day the term ends. Ferrari hire purchase spreads the price across a deposit and a run of equal instalments, with no balloon payment and nothing left to decide at the end, and it is the one structure written across the whole of Maranello's catalogue, from a Roma to a Daytona SP3.
We arrange Ferrari hire purchase 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 hire purchase 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 Ferrari, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Ferrari hire purchase is set once a lender has seen both.
The table prices the Ferrari LaFerrari, then the SF90 Stradale and Purosangue. 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 | Rate | Monthly |
|---|---|---|---|---|---|
| Ferrari LaFerrari | £2,500,000 | £500,000 (20%) | 48 months | 9.9% | £50,629 |
| Ferrari SF90 Stradale | £419,940 | £83,988 (20%) | 48 months | 9.9% | £8,504 |
| Ferrari Purosangue | £398,000 | £79,600 (20%) | 48 months | 9.9% | £8,060 |
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.
Ferrari hire purchase 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
£
Hire Purchase
£
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 we place on Ferrari hire purchase
We arrange Ferrari hire purchase 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.
Every car in the range suits it: the 296 GTB, F8 Tributo, SF90 Stradale, Roma, Purosangue, 812 Superfast, 12Cilindri and LaFerrari. Prices below are list, and a pre-owned 296 GTB is arranged on the same panel as a new one.
| Model | List from | Suits hire purchase | Why |
|---|---|---|---|
| 296 GTB | £241,560 | Yes | Full ownership at the end, no final payment to find |
| F8 Tributo | £213,000 | Yes | Full ownership at the end, no final payment to find |
| SF90 Stradale | £419,940 | Yes | Clean route to ownership on a car nobody will guarantee |
| Roma | £199,355 | Yes | Full ownership at the end, no final payment to find |
| Purosangue | £398,000 | Yes | Full ownership at the end, no final payment to find |
| 812 Superfast | £270,000 | Yes | Full ownership at the end, no final payment to find |
| 12Cilindri | £335,000 | Yes | Full ownership at the end, no final payment to find |
| LaFerrari | £2,500,000 | Yes | Clean route to ownership on a car nobody will guarantee |
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 hire purchase financing against that specific vehicle.
Ferrari HP deposit, term and final instalment
Ferrari hire purchase is built from three numbers. A deposit, typically 20% on a Ferrari S.p.A. car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And no deferred payment at all, which is why the monthly figure is the highest of the four structures and why the Ferrari is yours outright when the last instalment clears.
There is nothing to refinance and no residual to argue about, which is what makes a hire purchase agreement the cleanest route to outright ownership on cars a lender will not forecast. Interest rates are indicative rather than fixed, because every agreement above £25,000 is underwritten individually on the car and the borrower. New, pre-owned and classic Ferrari cars are all eligible.
A hire purchase agreement is the simplest of the four finance types: the total amount payable is fixed when the agreement starts and the monthly payments do not change. No agreement here turns on a future value.
- £180,000 to £3,500,000
- Ferrari deal range
- 8 of 8
- Models suited to hire purchase
- 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 Ferrari finance through a broker rather than a dealer
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 hire purchase 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 hire purchase 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
- Set the term against how long you actually intend to keep the Ferrari, since nothing here depends on handing it back
- Say when one of the other three structures suits your Ferrari better, even where it is the one we place less often
Why Ferrari S.p.A. residual behaviour matters less on HP
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 hire purchase 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.
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Ferrari Hire Purchase
Core structureHire 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.
- Core structure
Ferrari Equity Release
Equity 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 hire purchase stops working on a Prancing Horse car
The mechanics are the reason. A deposit, a fixed instalment every month, no deferred figure at the end, and title passing to you when the last payment and the option to purchase clear. The lender's position is set by the amortisation schedule rather than by a residual forecast it would have to stand behind, so the question that decides everything on the PCP page, whether Maranello's cars rise or fall, never enters the underwriting at all. That is why hire purchase reaches the half of the range guaranteed-value products cannot touch, from the Icona and Special Series cars through to a LaFerrari.
It also produces the right end state for a Ferrari specifically. Owners here exit through a private sale, a specialist consignment or an auction far more often than through a part exchange, and a car with no finance interest registered against it is a materially simpler transaction to complete. There is no mileage ceiling to breach either, which matters if the car is going to be toured properly rather than kept at delivery mileage for the benefit of somebody else's valuation.
The cost of that certainty is cash flow. Nothing is pushed to the end of the term, so the monthly commitment is the highest of the four structures we arrange and the amount of capital you tie up across the term is the largest. On a Roma or a Purosangue, the two Ferraris that depreciate most conventionally, hire purchase also means you personally carry the whole of that fall. If you already know you will change the car at forty-eight months, the guaranteed-value route is the more efficient answer on those specific cars and we will say so.
Related Reading
Ferrari hire purchase FAQs
Ferrari 296 GTB at £241,560 works out at roughly £4,892 a month on Hire Purchase, with £48,312 down at 20% and a 48 month term at 9.9% indicative nominal, with nothing 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.
Yes, and it is the usual route. A lender writing hire purchase is securing against the car rather than forecasting its value, so the fact that the market expects a LaFerrari to be worth more later is irrelevant to the underwriting. Expect an appraisal, a full provenance file and a larger deposit than a series car would need.
On the final instalment plus the option to purchase, which is a nominal figure written into the agreement at the outset. Until then you are the registered keeper and the lender holds title. Nothing about that arrangement restricts how you use the car; it simply means the lender has security until the balance is cleared.
Yes, and with nothing outstanding to unwind first. That is the practical advantage of finishing a term with clean title rather than a balloon to settle. Specialist buyers and auction houses deal with outstanding finance all the time, but a car that is unencumbered on the day it is catalogued moves faster and negotiates better.
It depends entirely on whether you are keeping it. The Roma is a series car with a forecastable used market, so a lender will set a guaranteed figure on it and that figure is worth having if you intend to move on at the end of the term. If you intend to keep the car, hire purchase gets you there without paying for an option you were never going to use.