Core structure
Ferrari Lease Purchase Finance
Hold a Maranello car on a monthly payment, defer an agreed balloon, and keep whatever the market gives you above it
Indicative monthly payment from
£2,831a month
Based on Ferrari 296 GTB at £241,560, arranged as Lease Purchase at 9.9% nominal.
- Deposit
- £48,312
- Term
- 48
- Final payment
- £120,780
20%
months
50%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
You can hold a Ferrari on a monthly payment without funding the whole price up front. Ferrari lease purchase takes a deposit, spreads the balance across the term and defers an agreed final balloon, which you settle in cash, by refinance or from a sale to take title. On an 812 Competizione or a Daytona SP3, whatever the car is worth above that figure stays with you.
We arrange Ferrari lease 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 a Ferrari lease 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 lease 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 | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|
| Ferrari LaFerrari | £2,500,000 | £500,000 (20%) | 48 months | £1,625,000 (65%) | 9.9% | £22,899 |
| Ferrari SF90 Stradale | £419,940 | £83,988 (20%) | 48 months | £272,961 (65%) | 9.9% | £3,847 |
| Ferrari Purosangue | £398,000 | £79,600 (20%) | 48 months | £199,000 (50%) | 9.9% | £4,664 |
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 lease 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
£
Lease 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 lease purchase
We arrange Ferrari lease 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.
The Ferrari SF90 Stradale, the LaFerrari suit Ferrari lease purchase. 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 lease purchase | Why |
|---|---|---|---|
| 296 GTB | £241,560 | No | You carry the residual on a falling asset |
| F8 Tributo | £213,000 | No | You carry the residual on a falling asset |
| SF90 Stradale | £419,940 | Yes | You keep the appreciation above the balloon |
| Roma | £199,355 | No | You carry the residual on a falling asset |
| Purosangue | £398,000 | No | You carry the residual on a falling asset |
| 812 Superfast | £270,000 | No | You carry the residual on a falling asset |
| 12Cilindri | £335,000 | No | You carry the residual on a falling asset |
| LaFerrari | £2,500,000 | Yes | You keep the appreciation above the balloon |
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 lease purchase financing against that specific vehicle.
Ferrari lease purchase deposit, term and balloon
Ferrari lease 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 a agreed final balloon 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 Ferrari 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 Ferrari sits inside the wider supercar finance, classic car finance and exotic car finance market we work across.
Interest rates on a lease purchase agreement move with the term, the deposit and your credit profile, and financing a classic Ferrari runs on the same agreement as a current one.
- £180,000 to £3,500,000
- Ferrari deal range
- 2 of 8
- Models suited to lease 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 Ferrari finance at this level goes through a panel
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 lease 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 lease 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
- Structure around Ferrari S.p.A. 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 Ferrari better, even where it is the one we place less often
How Ferrari S.p.A. residuals decide the balloon you agree
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 lease 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.
- 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.
You are here
Ferrari Lease Purchase
Core structureLease 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 lease purchase stops working on a Prancing Horse car
On an Icona car, a Special Series car or anything in the historic catalogue from F40 to LaFerrari, no lender will guarantee a future value, so lease purchase is not a preference here but the structure that exists. You and the lender agree a balloon payment at the outset, that figure comes off the amount you amortise across the term, and the monthly cost falls to something a £2.5m LaFerrari can sensibly be held on. Title passes to you when the balloon is settled.
The distinction from PCP is where the residual risk sits, and on these Ferraris that distinction is the entire argument. A guaranteed figure is the lender's option, and any appreciation above it is written into that option rather than into your position. With an agreed balloon, whatever an 812 Competizione or a Daytona SP3 is worth at the end of the term above the figure you agreed is yours. On the series cars, a Roma or a 296 GTB, that argument reverses and PCP is usually the better answer.
The balloon is real money and it falls due on a fixed date. On a Ferrari at this level that is a six or seven figure payment to be found in cash, refinanced against the car, or met by selling it. Nobody guarantees you a buyer at that moment. Agree the balloon at a level you can actually settle, not the level that produces the prettiest monthly figure.
Related Reading
Ferrari lease purchase FAQs
Ferrari 296 GTB at £241,560 works out at roughly £2,831 a month on Lease Purchase, with £48,312 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £120,780 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.
Between you, us and the lender at the outset, against the car's projected value and your intentions for it. On an 812 Competizione the sensible balloon is a large one, because the car is expected to hold. On a Roma it should be set lower. The figure is a commercial judgement rather than a guarantee, which is exactly why the residual risk and the residual upside both stay with you.
Yes, and it is common on the historic cars. The practical constraint is timing, because auction settlement runs to days rather than weeks, so the credit decision and the lender's inspection need to be in place before the hammer falls. We arrange these as unregulated commercial agreements above £25,000. Provenance, service history and originality matter more to the underwriting than the model name does.
Compare both. The Purosangue is a series car with a forecastable curve, which is precisely the case where a lender is willing to guarantee the figure and you should let it. Lease purchase on a Purosangue leaves you carrying a residual that somebody else will carry for you. Choose lease purchase here only if you are certain you are keeping the car and want a clean route to title.
Often, yes, and it is worth agreeing the principle at the outset rather than three months before the date. A lender's willingness to refinance the balloon depends on the car's condition and value at that point and on your position then, not now. On an appreciating Ferrari the refinance is usually straightforward. Treat it as a plan rather than an entitlement, and keep a settlement route open.