Works, with a caveat
Ferrari PCP Finance
Maranello's series cars on a monthly payment, with the balloon carrying the weight and the end-of-term choice still yours
Indicative monthly payment from
£2,506a month
Based on Ferrari Roma at £199,355, arranged as Personal Contract Purchase at 9.9% nominal.
- Deposit
- £39,871
- Term
- 48
- Final payment
- £89,710
20%
months
45%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
Put a 296 GTB, a Roma or a 12Cilindri on a monthly payment and keep the option to walk away at the end. Ferrari PCP does that with a deposit up front, a term of 48 months and a guaranteed minimum future value the lender sets against the car's projected worth, so most of the cost sits in that final figure rather than in the monthly one.
We arrange Ferrari PCP 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 PCP 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 PCP is set once a lender has seen both.
The table prices the Ferrari Purosangue, then the 12Cilindri and 812 Superfast. 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 Purosangue | £398,000 | £79,600 (20%) | 48 months | £179,100 (45%) | 9.9% | £5,004 |
| Ferrari 12Cilindri | £335,000 | £67,000 (20%) | 48 months | £150,750 (45%) | 9.9% | £4,212 |
| Ferrari 812 Superfast | £270,000 | £54,000 (20%) | 48 months | £121,500 (45%) | 9.9% | £3,395 |
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 PCP 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
£
Personal Contract 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 PCP
We arrange Ferrari PCP 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 296 GTB, the F8 Tributo, Roma, Purosangue, 812 Superfast and 12Cilindri suit Ferrari PCP. The SF90 Stradale and LaFerrari do not, for the residual reason set out further down. Prices below are list, and a pre-owned 296 GTB is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| 296 GTB | £241,560 | Yes | Forecastable residual, guaranteed figure available |
| F8 Tributo | £213,000 | Yes | Forecastable residual, guaranteed figure available |
| SF90 Stradale | £419,940 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Roma | £199,355 | Yes | Forecastable residual, guaranteed figure available |
| Purosangue | £398,000 | Yes | Forecastable residual, guaranteed figure available |
| 812 Superfast | £270,000 | Yes | Forecastable residual, guaranteed figure available |
| 12Cilindri | £335,000 | Yes | Forecastable residual, guaranteed figure available |
| LaFerrari | £2,500,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
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
Ferrari
F8 Tributo Finance
From £213,000720 bhp
Ferrari
Roma Finance
From £199,355620 bhp
Each card opens the model page, where you can model Ferrari PCP financing against that specific vehicle.
Ferrari PCP deposit, term and balloon
Ferrari PCP 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 guaranteed minimum future value 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.
Our specialists place Ferrari PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and a Ferrari decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £180,000 to £3,500,000
- Ferrari deal range
- 6 of 8
- Models suited to PCP
- 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 with a specialist broker
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 PCP 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 PCP 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 set the guaranteed future value
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 PCP 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.
You are here
Ferrari Personal Contract Purchase
Works, with a caveatPCP 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.
- 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 PCP stops working on a Prancing Horse car
On a Roma, a Purosangue, a 296 GTB or a 12Cilindri, PCP does what it is designed to do. The lender sets a guaranteed minimum future value, that figure comes off the amount you amortise, and the monthly payment falls accordingly. Because Maranello's series cars hold value respectably without running away, the guaranteed figure tends to land close to where the market actually ends up, which means the option to hand the car back at the end is a real option rather than a theoretical one.
That end-of-term choice is worth more on a Ferrari than on most cars, because Ferrari buyers change cars often and frequently want to roll equity forward into the next allocation. Where the car is worth more than the guaranteed figure, the difference is yours to use as a deposit on the next one. Where it is worth less, you hand the keys back and the lender absorbs it. On an asset this expensive, that asymmetry is the entire argument for the product.
PCP stops at the edge of series production. On Icona cars, Special Series cars and anything in the historic catalogue from F40 to LaFerrari, no lender on our panel will set a guaranteed future value, because the market expects those cars to be worth more at the end of the term than at the start. There is no version of the product that survives that.
Related Reading
Ferrari PCP finance FAQs
Ferrari Roma at £199,355 works out at roughly £2,506 a month on Personal Contract Purchase, with £39,871 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £89,710 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. The 296 GTB is a current series car with an established used market, which is exactly what a lender needs before it will set a guaranteed minimum future value. Deposit levels typically start around 20 per cent on a 48-month term, and the balloon is set against the projected value at the end rather than chosen by you.
Because a guaranteed minimum future value is the lender promising to buy the car back at a stated price, and on a car the market expects to appreciate that promise is either worthless or dangerous. Lenders decline rather than guess. LaFerrari, Daytona SP3 and the historic Ferraris are financed on lease purchase or hire purchase instead, where the final figure is agreed between us rather than guaranteed by the lender.
Indirectly, yes. A car with unbroken Ferrari main-dealer history and live Approved cover is easier for a lender to value at the end of the term, and that confidence tends to show up as a slightly stronger guaranteed figure. It is not a line item in the calculation, but it is part of why two apparently identical cars can be quoted differently.
The difference belongs to you. You can pay the balloon and keep the car, sell it privately and keep the surplus, or hand it to us to use as the deposit on the next Ferrari. Rolling equity forward is the most common route among the Ferrari owners we arrange finance for, because it turns an appreciating allocation into a deposit without a cash call.