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Ferrari 812 Superfast Finance
2017-2024
800 bhp
Power
2.9s 0-62mph
Acceleration
211 mph
Top Speed
Finance from
£3,349 a month
Indicative, on Lease Purchase
List price
£270,000
Specified to £350,000
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812 Superfast finance from £3,349 a month
- £3,349
- Per month
- £54,000
- Deposit
- 800 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £270,000
6.5L V12 Naturally Aspirated
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £270,000 list price at 9.9% nominal over 48 months.
The 812 Superfast is out of production, and that is the whole opportunity. A car that has already taken its first depreciation and has a settled used market is cheaper to finance than the same money spent on something new, because the residual value a commercial lender sets is measured against a market that has stopped moving quickly. Lease Purchase on a used 812 is the structure we arrange most often, and it is usually the cheapest route into a naturally aspirated V12.
Ferrari 812 Superfast 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 812 Superfast three ways, on a 20% deposit of £54,000 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 812 Superfast | Hire Purchase | £270,000 | £54,000 (20%) | 48 months | None | 9.9% | £5,468 |
| Ferrari 812 Superfast | Lease Purchase | £270,000 | £54,000 (20%) | 48 months | £124,200 (46%) | 9.9% | £3,349 |
| Ferrari 812 Superfast | Personal Contract Purchase | £270,000 | £54,000 (20%) | 48 months | £97,200 (36%) | 9.9% | £3,809 |
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 £5,468 and the only row with no final payment to plan for. Lease Purchase defers £124,200 to a final balloon, taking £2,119 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 built the 812 Superfast from 2017 to 2024, and it is the last of a line rather than the start of one. The 6.5-litre naturally aspirated V12 producing 800 bhp was the most powerful atmospheric engine Ferrari had put in a road car when it launched, and the 12Cilindri that replaced it is the only successor. That matters to a finance conversation, because the thing that usually erodes a supercar's value, the arrival of a faster version of the same idea, has already happened here.
For a commercial lender, a superseded series car is a comfortable asset. The used market is deep enough to price, the depreciation curve has flattened out of its steepest section, and there is no order book distorting values. The practical effect is that the residual value on a four-year 812 Superfast agreement is set against a market the lender can see rather than one it has to predict, and that shows up directly in the monthly payment.
The 812 range is not one car, and the distinction is worth money. The Competizione and the Competizione A, built to 999 coupes and 599 targas, sold out before delivery and have traded above their list prices since. The GTS convertible sits between the two. The standard Superfast is the series car of the family and the one this page is about, and conflating the three is the most common way a buyer ends up with a residual expectation the lender will not share.
Calculate your 812 Superfast 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 812 Superfast. Car finance on a £270,000 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
£3,349 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Ferrari 812 Superfast
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £5,468 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £3,349 | £124,200 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £3,809 | £97,200 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 812 Superfast is Lease Purchase. On a car that has already flattened out, the balloon at the end of the term is being set against a value the market has largely agreed on, so deferring part of the price carries less risk here than it would on a current model still finding its level.
Hire Purchase is the right answer if you intend to keep the 812 Superfast, and a meaningful number of the people who buy one do. This is the last naturally aspirated V12 Ferrari berlinetta, it is finished, and the case for owning it outright at the end of a term rather than handing it back is stronger here than on almost anything else in the current catalogue. Hire Purchase costs more each month and leaves you with the car and nothing to settle.
If you came here looking for Ferrari 812 Superfast 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 812 Superfast: 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 812 Superfast sits inside that position as a superseded series car working its way down toward its floor, which is where the value in the deal usually is.
What a lender sees in the Ferrari 812 Superfast
A commercial lender underwrites the Ferrari 812 Superfast as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.5L V12 Naturally Aspirated engine producing 800 bhp, with 2.9s 0-62mph and 211 mph, puts this car in a category a specialist lender recognises. A 812 Superfast at £270,000 and specified to £350,000 is also not one asset with one value, and options rarely come back at what they cost.
| 812 Superfast | |
|---|---|
| Engine | 6.5L V12 Naturally Aspirated |
| Power | 800 bhp |
| Torque | 718 Nm |
| 0-62mph | 2.9s 0-62mph |
| Top speed | 211 mph |
| Transmission | 7-speed dual-clutch |
| Drivetrain | RWD |
| List price | £270,000 |
| Specified to | £350,000 |
| Production | 2017-2024 |
The V12 is the asset. A 6.5-litre naturally aspirated engine with no turbochargers and no hybrid system is mechanically simpler than anything else Ferrari currently sells, which makes it easier to underwrite over a long term. Lenders are comfortable with 60-month agreements on an 812 Superfast in a way they are not on more complex powertrains, and that extra year is worth a visible amount off the monthly payment.
Age is now part of the picture. The earliest 812 Superfasts date from 2017, so a car coming to us today may be eight years old by the end of a four-year agreement. Commercial lenders will write that term, but they price the end of it against condition and history rather than against the model, which is why the service record does more work here than on a current car.
Specification spread on the 812 is wide and the differences are large. Carbon fibre exterior packages, the lifting front axle, carbon racing seats and the more expensive paint options can separate two otherwise identical cars by a substantial sum on the original invoice, and the residual value does not follow that gap proportionally.
812 Superfast features that bear on the valuation
- 800 bhp V12 engine
- Virtual Short Wheelbase 2.0
- Electric power steering
- Side Slip Control 5.0
- Aerodynamic underbody
What a lender wants to see on a 812 Superfast
- Continuous main dealer or recognised Ferrari specialist service history from new
- Evidence of the original specification, because the carbon and paint options move the valuation
- A clear vehicle record, with no outstanding finance and no recorded structural repair
- A clean ownership chain, which carries more weight than mileage on a car of this age
- Confirmation of whether the car remains inside Ferrari's extended maintenance programme
Financing a used Ferrari 812 Superfast
Effectively every 812 Superfast we finance is a used car, because production has ended. That simplifies things rather than complicating them: there is no order book, no allocation politics and no delivery premium, just a market with cars in it. Buyers who fixate on finding the lowest mileage example often pay for the wrong thing, because a V12 that has been used and maintained is a better long-term proposition than one that has sat.
What a lender wants on a used 812 Superfast is the file. Full main dealer or recognised specialist history, a clean vehicle record, no outstanding finance and clear evidence of who has owned the car. Provenance on a car of this age is worth more to the residual value than a difference of ten thousand miles on the odometer, and it is the thing we ask for first when we take a case to a commercial lender.
Pre-owned cars price the same way with smaller numbers. A used 812 Superfast at £124,000, on the same 20% deposit and 9.9% rate, comes to £2,511 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Ferrari 812 Superfast holds its value
The 812 Superfast has done what superseded front-engined Ferraris tend to do, which is fall, flatten and then find a floor as the market works out what it is. The direction of travel across the naturally aspirated V12 berlinettas that came before it, the F12 and the 599 among them, is that the steepest losses happen while the model is still current and the curve softens once production ends. The 812 has passed that point.
The Competizione is the part of the 812 story people cite and it is a different market. Nine hundred and ninety-nine coupes and five hundred and ninety-nine Aperta cars were built, they were spoken for before they were announced, and they have traded above list since. That is a genuine appreciation story and it belongs to those cars, not to the standard Superfast. Setting an expectation on a Superfast from Competizione trades is the most reliable way to be disappointed by a residual value.
The 812 Superfast has already taken the fall a new car is yet to take. On a four-year agreement, buying after the curve has flattened is worth more than any rate you will negotiate.
Everything here about the 812 Superfast 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 812 Superfast
Three things can happen at the end of a Lease Purchase term on a Ferrari 812 Superfast, and it is worth knowing which you are planning for. You settle the £124,200 balloon and keep the car, you refinance it over a further term, or you part exchange the 812 Superfast and take whatever sits above the balloon as equity toward the next one.
Running an 812 Superfast across a four-year agreement costs more than running the equivalent turbocharged car, and the V12 is why. Major services on the twelve-cylinder engine cost what they cost, tyres go quickly if the car is used as intended, and the fuel consumption is what 800 naturally aspirated horsepower implies. None of this is a reason not to buy the car, and all of it belongs in the budget alongside the payment.
Where an 812 Superfast sits relative to Ferrari's maintenance programme is the question that most affects the total cost of a term. Cars still inside the extended maintenance cover are considerably cheaper to run through an agreement than cars that have fallen out of it, and on a model this age the answer varies car by car. It is worth establishing before you agree a term length.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the 812 Superfast 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 812 Superfast.
How we arrange Ferrari 812 Superfast finance
Tell us about the car
Specification, mileage, history and where you are buying the 812 Superfast. On a £270,000 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 £54,000 over 48 months is our starting point on the 812 Superfast.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most 812 Superfast agreements complete inside a week, anywhere in the United Kingdom.
Other Prancing Horse models we finance
The Ferrari 812 Superfast sits at £270,000 in a range we finance end to end. Either side of it are the 296 GTB at £241,560 and the 12Cilindri at £335,000, 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 12Cilindri 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 812 Superfast finance FAQs
On the £270,000 list price with a 20% deposit of £54,000 over 48 months at an indicative 9.9% nominal, an 812 Superfast comes to £3,349 a month on Lease Purchase and £5,468 on Hire Purchase. Because production has ended, most cars we finance are used and priced below that figure, which brings the payment down proportionally. Use the finance calculator on this page with the actual asking price of the car you are looking at.
Lease Purchase, yes, and it is the structure we arrange most often on this model. Contract hire in the conventional sense, where you hand the car back at the end and never own it, is not something specialist commercial lenders write on a car of this value and age. Lease Purchase gives you the lower monthly payment of a leased arrangement while you hold legal ownership from the first payment, with a balloon to settle, refinance or cover by part exchanging the car.
The standard Superfast has flattened rather than risen. Superseded front-engined Ferraris have historically taken their steepest losses while the model is still current and then found a floor, and the 812 has passed that point. The cars in the family that have traded above list are the Competizione and Competizione A, built to 999 and 599 examples, and their market is not the standard car's market. We would not structure an agreement on the assumption that a Superfast will appreciate.
The 12Cilindri is the current car and the 812 Superfast is the finished one, and that difference sets the whole agreement. A new 12Cilindri has its steepest depreciation ahead of it, so the lender's residual value is a forecast. An 812 Superfast has taken that fall already, so the residual is measured against an established market. The 812 is the cheaper car to finance for a comparable driving experience, and the 12Cilindri is the newer one with the factory warranty behind it.
Yes. A large proportion of the 812 Superfast agreements we arrange are written for limited companies, with the vehicle capitalised on the balance sheet. Because the agreement is unregulated commercial finance above £25,000 rather than regulated consumer credit, the commercial lender underwrites the company position alongside the asset. Your accountant should confirm the tax treatment before you commit, because it varies with how the car is used.
Sixty months is achievable on this model, which is longer than lenders will usually go on more complex powertrains. The naturally aspirated V12 has no turbochargers and no hybrid system to age, so commercial lenders are more comfortable with the condition of the asset at the end of a long agreement. Whether a longer term is the right choice depends on how quickly you want to be free of the balloon, not on whether it is available.
Ferrari finance by structure
This page covers the 812 Superfast. 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 812 Superfast?
Tell us about the car and we will come back with terms from the commercial lenders that write Ferrari paper. From £3,349 a month on Lease Purchase.