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Ferrari 12Cilindri Finance
2025-present
830 bhp
Power
2.9s 0-62mph
Acceleration
211 mph
Top Speed
Finance from
£3,583 a month
Indicative, on Lease Purchase
List price
£335,000
Specified to £410,000
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12Cilindri finance from £3,583 a month
- £3,583
- Per month
- £67,000
- Deposit
- 830 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £335,000
6.5L V12 Naturally Aspirated
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £335,000 list price at 9.9% nominal over 48 months.
The 12Cilindri funds at £4,155 a month on Personal Contract Purchase against the £335,000 list, putting £67,000 in at 20% and running 48 months, with £154,100 guaranteed at the end. On a car this new that guarantee is the whole point. The first three years of a 12Cilindri's value have not happened yet, and Personal Contract Purchase hands the job of predicting them to the funder instead of to you.
Ferrari 12Cilindri finance deals and what they cost
Car finance deals are usually quoted as one monthly figure with the structure hidden behind it, which makes them impossible to compare. The table prices the same Ferrari 12Cilindri three ways, on a 20% deposit of £67,000 over 48 months at an indicative 9.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Ferrari 12Cilindri | Hire Purchase | £335,000 | £67,000 (20%) | 48 months | None | 9.9% | £6,784 |
| Ferrari 12Cilindri | Lease Purchase | £335,000 | £67,000 (20%) | 48 months | £187,600 (56%) | 9.9% | £3,583 |
| Ferrari 12Cilindri | Personal Contract Purchase | £335,000 | £67,000 (20%) | 48 months | £154,100 (46%) | 9.9% | £4,155 |
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.
Hire Purchase amortises the whole balance, which is why it is the highest payment at £6,784 and the only row with no final payment to plan for. Lease Purchase defers £187,600 to a final balloon, taking £3,201 a month off. Personal Contract Purchase looks similar and differs underneath, because that final payment is a Guaranteed Minimum Future Value the lender stands behind rather than a balloon you have agreed to pay.
Ferrari put 830 bhp through a 6.5-litre naturally aspirated V12 in the 12Cilindri and mounted it front-mid, behind the axle line, which is the layout Maranello has used on its front-engined flagships since the 550. The power figure is the headline: this is the most potent atmospheric twelve the company has built for the road. For a funder the number matters less than the fact that Ferrari is still building V12s at all, because scarcity of the format underpins everything else about this car's market.
Deliveries began in 2025, so there is no completed ownership cycle to examine. A funder writing a 12Cilindri agreement is forecasting rather than observing, and it prices that uncertainty into the figure it is prepared to commit to. That trade sits at the heart of this page. You can have certainty on a car nobody has measured yet, and the certainty costs something, and on a first-year model it is usually worth paying.
The Spider is part of the calculation from the outset, which is unusual for Maranello. Ferrari announced the open version alongside the coupe rather than two years afterwards, so the range is complete from day one and there is no waiting for a variant to arrive and reset the market. That removes one of the classic reasons a new Ferrari's value moves unexpectedly halfway through an agreement.
Calculate your 12Cilindri finance
The finance calculator below runs the same arithmetic as the tables above. Change the deposit, the term or the amount deferred and the monthly payment moves with it, so you can model the agreement you actually want on a 12Cilindri. Car finance on a £335,000 asset is priced on the car as much as on you.
Vehicle Config
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£
Lease Purchase
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Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£3,583 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Ferrari 12Cilindri
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £6,784 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £3,583 | £187,600 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £4,155 | £154,100 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the 12Cilindri is Personal Contract Purchase. With no completed ownership cycle behind the model, the guaranteed figure a funder commits to is the only fixed point available, and moving that forecasting risk onto the funder is worth paying for while the car is in its first years.
Hire Purchase is the answer if you are buying the 12Cilindri because it is a naturally aspirated V12 and you have no intention of parting with it. There is a serious argument that the format will not be replaced, and if you hold it, then paying £6,784 to own the car outright beats paying £4,155 for the right to hand it back to somebody else.
If you came here looking for Ferrari 12Cilindri leasing or lease deals, the distinction worth knowing is that we do not arrange contract hire, where the car goes back at the end and was never yours. Lease Purchase is the structure closest to what most people mean by leasing a 12Cilindri: the same lower monthly payment, with legal ownership from the first payment. Contract hire on cars of this value is rare, and sites offering it usually quote short-term rental rather than finance.
Ferrari is two residual markets sharing a badge, and the finance structure that fits one of them does not fit the other. The Ferrari 12Cilindri sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.
What a lender sees in the Ferrari 12Cilindri
A commercial lender underwrites the Ferrari 12Cilindri as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.5L V12 Naturally Aspirated engine producing 830 bhp, with 2.9s 0-62mph and 211 mph, puts this car in a category a specialist lender recognises. A 12Cilindri at £335,000 and specified to £410,000 is also not one asset with one value, and options rarely come back at what they cost.
| 12Cilindri | |
|---|---|
| Engine | 6.5L V12 Naturally Aspirated |
| Power | 830 bhp |
| Torque | 678 Nm |
| 0-62mph | 2.9s 0-62mph |
| Top speed | 211 mph |
| Transmission | 8-speed dual-clutch |
| Drivetrain | RWD |
| List price | £335,000 |
| Specified to | £410,000 |
| Production | 2025-present |
Ferrari lists the 12Cilindri from £335,000, and the successor relationship with the £270,000 812 Superfast is visible in that gap. A funder pricing the newer car has the older one sitting underneath it as a permanent reference point, and the distance between the two sets a practical ceiling on how the 12Cilindri can behave in the used market for the next few years.
Rear-wheel drive with 830 bhp and active aerodynamics is a specification that depends on software as much as hardware. Virtual Short Wheelbase 3.0 and the movable aero surfaces are systems that need to be current at the end of a term, and funders now ask whether outstanding updates have been applied in much the way they once asked about cambelts. It is a new question and it is becoming a standard one.
Early production is the underwriting risk nobody discusses openly. First-year cars from any manufacturer carry a higher chance of rectification work, and a 12Cilindri delivered in 2025 will have that early history examined closely at the end of a four-year agreement. A car with a clean warranty record from its first two years is a materially better asset than one carrying a list of repairs, even where the repairs cost the owner nothing.
12Cilindri features that bear on the valuation
- Most powerful naturally-aspirated V12 ever
- Front-mid engine layout
- Virtual Short Wheelbase 3.0
- Active aerodynamics
- Available as Spider variant
What a lender wants to see on a 12Cilindri
- Delivery paperwork from an official UK dealer, confirming the car was not sourced through an export chain
- The build specification, including whether the car is the coupe or the Spider
- A complete warranty and rectification record covering the first two years of the car's life
- Evidence that outstanding software and active aerodynamic updates have been applied
- Confirmation of remaining factory warranty and maintenance cover at the date of submission
Financing a used Ferrari 12Cilindri
There is not yet a used 12Cilindri market worth the name, and the handful of cars that have moved on did so at prices set by scarcity rather than by depreciation. Buyers looking for the used discount that makes an 812 Superfast such a straightforward purchase will not find it here for another two or three years. If the monthly commitment is the binding constraint, the earlier front-engined V12 is the better answer today and we will say so.
When used cars do arrive, the file will decide the terms. What a funder wants on a nearly new Ferrari is the delivery paperwork, the first service, an unbroken warranty record and confirmation that the car came through official UK supply rather than an export chain. Grey imports and cars first registered abroad complicate a submission far more than any amount of mileage does, and they slow it down as well.
Pre-owned cars price the same way with smaller numbers. A used 12Cilindri at £187,500, on the same 20% deposit and 9.9% rate, comes to £3,797 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Ferrari 12Cilindri holds its value
Front-engined V12 Ferraris have a consistent pattern behind them and the 12Cilindri has not yet entered it. The F12 and the 812 Superfast both gave up their steepest value while current, then flattened once production ended, and there is nothing yet to suggest the newest car behaves differently. What has changed is the context. Ferrari has said less about how long it will keep building atmospheric twelves than buyers would like, and that uncertainty is a support under this market rather than a threat to it.
The variant question will arrive later. History across the previous two generations says the hardcore version, when it comes, firms while the standard car continues down, and a 12Cilindri bought as a standard coupe should be financed on that expectation rather than on hope. Setting a deferred figure today against a special edition that has not been announced is not a plan, and no funder will accept it as one.
Nobody has owned a 12Cilindri for four years yet. That is the entire reason to let a funder guarantee what it will be worth once you have.
Everything here about the 12Cilindri market is commentary on transactions that already happened, not a valuation and not a forecast. The residual value in your agreement is the lender's figure, set on the specific Ferrari you are buying.
Part exchange and settlement on a Ferrari 12Cilindri
Three things can happen at the end of a Lease Purchase term on a Ferrari 12Cilindri, and it is worth knowing which you are planning for. You settle the £187,600 balloon and keep the car, you refinance it over a further term, or you part exchange the 12Cilindri and take whatever sits above the balloon as equity toward the next one.
The twelve-cylinder running costs apply in full. Major servicing on this engine is not comparable with the V8 cars, fuel consumption is what 830 atmospheric horsepower implies, and a set of rear tyres has a short life if the car is used the way it invites. A buyer moving up from a smaller Ferrari should budget a meaningful increase across a four-year term rather than assume the difference is marginal.
In return, a new 12Cilindri spends the whole of a 48 month agreement inside Ferrari's included maintenance cover and its factory warranty, which is the strongest ownership position of any car on this site. That is worth quantifying when you compare the payment against a used V12. The newer car costs more each month and considerably less per mile of unplanned expense, and over four years those two numbers are closer than they look.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the 12Cilindri is worth more than the balloon, the difference becomes the deposit on your next agreement. If it is worth less, the Guaranteed Minimum Future Value protects you on Personal Contract Purchase, while on Lease Purchase the shortfall is yours.
Early settlement is available on every structure we arrange, but the settlement figure is calculated under the terms of the agreement rather than under the Consumer Credit Act rebate rules. Ask us for it in writing before you fix a sale date on the 12Cilindri.
How we arrange Ferrari 12Cilindri finance
Tell us about the car
Specification, mileage, history and where you are buying the 12Cilindri. On a £335,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Ferrari paper, and those that do price it differently. As an independent credit broker we place the deal across a panel.
We structure the agreement
Deposit, term and the deferred amount. A 20% deposit of £67,000 over 48 months is our starting point on the 12Cilindri.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most 12Cilindri agreements complete inside a week, anywhere in the United Kingdom.
Other Prancing Horse models we finance
The Ferrari 12Cilindri sits at £335,000 in a range we finance end to end. Either side of it are the 812 Superfast at £270,000 and the Purosangue at £398,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other Ferrari cars we arrange finance deals on are the Ferrari 296 GTB, the Ferrari F8 Tributo, the Ferrari SF90 Stradale, the Ferrari Roma, the Ferrari Purosangue, the Ferrari 812 Superfast and the Ferrari LaFerrari, each with its own page and payment table, because a lender does not price a range, it prices a car.
Ferrari 12Cilindri finance FAQs
From the £335,000 list with £67,000 of deposit at 20%, a 48 month term and an indicative 9.9%, the 12Cilindri comes to £4,155 on Personal Contract Purchase with £154,100 guaranteed, £3,583 on Lease Purchase or £6,784 on Hire Purchase. Specification moves the invoice a long way on this model, so use the total from your order rather than the base figure when you model the term in the calculator.
Yes, and it is the structure we recommend most often on this car. Ferrari builds the 12Cilindri in series volume, which gives a funder enough confidence in the model line to commit to £154,100 even without a completed ownership cycle to look at. The guarantee is set conservatively for exactly that reason, and that conservatism is the price of moving the forecasting risk off your side of the agreement onto a balance sheet built to carry it.
Not as a standard coupe, and we would not structure an agreement on the hope that it might. Series front-engined V12s from Maranello have consistently lost value while current and flattened once production ended, and this car is at the very start of that sequence. The argument people make is that atmospheric twelves are finite, which is true and is already reflected in what Ferrari charges for one. Buy it because you want it, and let the structure protect you rather than the market.
£67,000 against the £335,000 list, being 20%, is the level the panel expects and where most of these agreements are written. On a first-year car the deposit does more than reduce £4,155. It gives the funder headroom against a value nobody has yet observed, and a buyer offering more than the standard percentage will generally see a better guaranteed figure come back as well as a better rate.
Yes, and the small number available makes each submission an individual case. A funder wants the delivery paperwork from an official UK dealer, the first service completed on schedule, an intact warranty record and confirmation that any software or aerodynamic updates have been applied. Cars first registered abroad and brought in afterwards are financeable but slower, and the funder will want the import and VAT position resolved before it releases funds.
It raises the advance and narrows the panel slightly. The Spider carries a higher list price and a folding roof mechanism that adds a maintenance item over a long term, so a funder assessing one will look at the roof's service position in a way it does not for the coupe. Against that, open-top Ferraris have historically held their position at least as well as the closed cars, and the guaranteed figure on a Spider usually comes back proportionally similar rather than worse.
Ferrari finance by structure
This page covers the 12Cilindri. For how each structure behaves across the Prancing Horse range, including the models we place on it and the ones we do not, the four pages below go a level up.
Ready to finance a Ferrari 12Cilindri?
Tell us about the car and we will come back with terms from the specialist lenders that write Ferrari paper. From £3,583 a month on Lease Purchase.