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Ferrari LaFerrari Finance
2013-2016
963 bhp
Power
2.4s 0-62mph
Acceleration
217 mph
Top Speed
Finance from
£20,766 a month
Indicative, on Lease Purchase
List price
£2,500,000
Specified to £4,500,000
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LaFerrari finance from £20,766 a month
- £20,766
- Per month
- £500,000
- Deposit
- 963 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £2,500,000
6.3L V12 Hybrid
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £2,500,000 list price at 9.9% nominal over 48 months.
A LaFerrari funds on Hire Purchase at £50,629 a month against £2,500,000, with £500,000 at 20% down across 48 months at an indicative 9.9%. The structure is deliberate. No funder will guarantee a future value on a car that has traded above its original list price since 2013, so the agreement amortises to outright ownership instead, which is the right shape for an asset you are buying in order to keep.
Ferrari LaFerrari finance deals and what they cost
Hypercar 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 LaFerrari three ways, on a 20% deposit of £500,000 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 LaFerrari | Hire Purchase | £2,500,000 | £500,000 (20%) | 48 months | None | 9.9% | £50,629 |
| Ferrari LaFerrari | Lease Purchase | £2,500,000 | £500,000 (20%) | 48 months | £1,750,000 (70%) | 9.9% | £20,766 |
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 £50,629 and the only row with no final payment to plan for. Lease Purchase defers £1,750,000 to a final balloon, taking £29,863 a month off. There is no Personal Contract Purchase row, and its absence is the useful information: available on current series cars, declined on Icona, Special Series and the historic catalogue.
Ferrari built 499 LaFerrari coupes and 210 Aperta convertibles, allocated them to existing customers and finished in 2016. Nothing about the finance can be separated from those numbers. A funder assessing this car is not looking at a production model with a used market. It is looking at an item with a known population and a specialist trade around it, and it underwrites on that basis from the first conversation.
The HY-KERS system was Ferrari's first serious hybrid, a 6.3-litre V12 paired with an electric motor developed out of Formula 1 energy recovery, producing 963 bhp between them. More than a decade of technology has passed since, which usually erodes a car's standing and has not touched this one. What the market prices is the LaFerrari's place in the sequence running from the F40 through the F50 and Enzo, and technical currency plays no part in that at all.
The practical consequence is that the funder's security is unusually strong and its exit is unusually narrow. A repossessed LaFerrari sells, and for a serious sum, but through a specialist auction house or a small number of brokers rather than any ordinary route to market. Funders operating at this level are comfortable with that. Those that do not simply decline, which is why the panel for this car is short and why bringing the right name in at the start matters.
Calculate your LaFerrari 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 LaFerrari. Car finance on a £2,500,000 asset is priced on the car as much as on you.
Vehicle Config
mi
£
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
£20,766 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Ferrari LaFerrari
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £50,629 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £20,766 | £1,750,000 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | Not written | No GMFV set | Not applicable | A lender will not guarantee a future value on this car |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the LaFerrari is Hire Purchase. Every version of a deferred payment on this car requires somebody to state what it will be worth at the end, and no funder will do that on a LaFerrari. Hire Purchase removes the question altogether by clearing the balance across the term.
Equity release is the structure that fits an owner rather than a buyer, and on this model it is arranged more often than a purchase agreement. Raising capital against a car nobody doubts, at a commercial rate, is frequently the cheapest money available to somebody with the collection to support it. The car stays in your ownership and in your storage throughout, and the funds are released against it.
If you came here looking for Ferrari LaFerrari 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 LaFerrari: 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 LaFerrari sits inside that position as a limited-build car whose market has already decided it is worth keeping.
What a lender sees in the Ferrari LaFerrari
A commercial lender underwrites the Ferrari LaFerrari as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.3L V12 Hybrid engine producing 963 bhp, with 2.4s 0-62mph and 217 mph, puts this car in a category a specialist lender recognises. A LaFerrari at £2,500,000 and specified to £4,500,000 is also not one asset with one value, and options rarely come back at what they cost.
| LaFerrari | |
|---|---|
| Engine | 6.3L V12 Hybrid |
| Power | 963 bhp |
| Torque | 900 Nm |
| 0-62mph | 2.4s 0-62mph |
| Top speed | 217 mph |
| Transmission | 7-speed dual-clutch |
| Drivetrain | RWD |
| List price | £2,500,000 |
| Specified to | £4,500,000 |
| Production | 2013-2016 |
The 6.3-litre V12 is straightforward and the battery pack is not. LaFerrari's HY-KERS storage has a defined service position that Ferrari has managed through the dealer network since the cars were new, and a funder writing a term on this model wants written confirmation of where a specific pack stands. It is the one component on the car that can fairly be described as consumable, and it is the first thing an underwriter raises.
Chassis provenance carries more weight here than on any series car. With 499 coupes built, individual histories are documented, tracked and discussed within the trade, and an underwriter can establish precisely what a given chassis has done. That works in a buyer's favour when the file is clean and against them when it is not, because there is nowhere for an awkward history to hide in a population this size.
Right-hand drive cars supplied new to the UK are a subset of a subset, and the valuation reflects it. Specification, delivery market and originality all move the number on this model in ways that would be marginal on a production Ferrari. We submit the chassis history rather than the model designation, because at this level the model tells an underwriter almost nothing it needs to know.
LaFerrari features that bear on the valuation
- HY-KERS hybrid system
- F1-derived technology
- Active aerodynamics
- Carbon fibre chassis
- Limited to 499 units
What a lender wants to see on a LaFerrari
- Full chassis history, including original delivery market and the allocation it came through
- Ferrari Classiche certification where the car holds it, or a complete alternative paper trail
- Written confirmation of the HY-KERS battery service position from the dealer network
- Agreed-value insurance in force and a documented secure storage arrangement
- Evidence of originality, with any deviation from factory specification recorded and explained
Financing a used Ferrari LaFerrari
Every LaFerrari is a used car and has been since 2016, so the distinction the rest of this site draws between new and pre-owned simply does not apply. What replaces it is the question of which car. Delivery mileage examples, cars with genuine use behind them, Aperta convertibles and the small number carrying unusual factory specifications all occupy separate positions, and a funder's valuation follows the individual car rather than the model line.
Originality is the thing an underwriter will not compromise on. Ferrari Classiche certification, where a car holds it, settles most questions at a stroke. Without it the file has to do the work: original specification, documented ownership, factory-recognised servicing throughout and no unrecorded repair. On a car of this type the paperwork is a material part of what is actually being financed, and it is priced accordingly.
Pre-owned cars price the same way with smaller numbers. A used LaFerrari at £1,750,000, on the same 20% deposit and 9.9% rate, comes to £35,440 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Ferrari LaFerrari holds its value
Ferrari priced the LaFerrari above £1m when the 499-car run was announced in 2013, and cars have changed hands well above that figure in the years since. The Aperta, at 210 examples and never offered openly for sale, has traded higher again. That is history rather than a valuation, and it is the reason a funder declines to guarantee a future number: an asset expected to be worth more at the end of a term than at the start breaks the arithmetic a guarantee depends on.
The wider pattern behind it is Ferrari's flagship sequence. The F40, the F50 and the Enzo each spent a period out of fashion before the market reassessed them, and the LaFerrari has not needed that period at all. What it shares with them is the position, one capped-production flagship per generation, allocated rather than sold, and that position has been the most reliable thing in the marque's market for the last thirty years.
No funder will guarantee what a LaFerrari is worth in four years, and that refusal is a compliment to the car rather than a problem with the deal.
Everything here about the LaFerrari 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 LaFerrari
Three things can happen at the end of a Lease Purchase term on a Ferrari LaFerrari, and it is worth knowing which you are planning for. You settle the £1,750,000 balloon and keep the car, you refinance it over a further term, or you part exchange the LaFerrari and take whatever sits above the balloon as equity toward the next one.
Running a LaFerrari is a specialist exercise and the costs reflect it. Scheduled servicing runs through Ferrari's own network, the hybrid system needs attention whether the car is used or not, and storage, transport and agreed-value insurance are all real annual figures rather than afterthoughts. Owners at this level usually have those arrangements in place already, which is part of why the funders who lend on the car are comfortable doing so.
The term you choose should be governed by your capital plan rather than by the car's condition, because a maintained LaFerrari will not be materially different in four years. That is unusual on this site. On most models the length of the agreement is partly a bet on the asset. Here it is simply a decision about how long you want the borrowing in place and what else you intend to do with the money.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the LaFerrari 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 LaFerrari.
How we arrange Ferrari LaFerrari finance
Tell us about the car
Specification, mileage, history and where you are buying the LaFerrari. On a £2,500,000 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 £500,000 over 48 months is our starting point on the LaFerrari.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most LaFerrari agreements complete inside a week, anywhere in the United Kingdom.
Other Prancing Horse models we finance
The Ferrari LaFerrari sits at £2,500,000 in a range we finance end to end. Either side of it are the SF90 Stradale at £419,940, 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 12Cilindri, each with its own page and payment table, because a lender does not price a range, it prices a car.
Ferrari LaFerrari finance FAQs
Against £2,500,000 with £500,000 of deposit at 20%, a 48 month term and an indicative 9.9%, a LaFerrari comes to £50,629 a month on Hire Purchase, ending with the car unencumbered. Values on this model vary widely by chassis, specification and whether the car is a coupe or an Aperta, so treat the calculator as a starting point and let us price the specific car once we have seen its history.
Personal Contract Purchase is not written on this car by anybody we would deal with, because it requires a funder to guarantee a future value and none will do so on a 499-car flagship that has traded above its list price for over a decade. Contract hire is equally unavailable. What works is Hire Purchase at £50,629, or equity release against a car you already own, and between them they cover almost every LaFerrari transaction we are asked to arrange.
It has done considerably better than that. Ferrari priced the car above £1m when the run was announced in 2013 and examples have changed hands well above that figure since, with the 210 Aperta convertibles trading higher again. We will not put a current number on it, because valuations on a car with this few transactions are specific to the chassis rather than the model. What we will say is that funders treat it as an appreciating asset and structure accordingly.
20%, or £500,000 against £2,500,000, is the panel's usual starting position, and on this model the funder's willingness to move below it depends almost entirely on the wider picture. Buyers financing a LaFerrari typically hold other assets, and where those can be brought into the security the deposit requirement softens. Where the car is the only asset in the arrangement, expect the standard percentage or more.
Yes, and it is one of the more common reasons owners contact us. Equity release lets you borrow against a car held outright, releasing capital for a business purpose or another acquisition while the car stays in your ownership and your storage. The funder takes security over the vehicle, the amount advanced is set against an independent valuation, and the term is agreed around your plans rather than around the car's condition.
The structure is the same and the numbers are not. With 210 Aperta convertibles built against 499 coupes, and with the open cars never having been offered for general sale, they sit in a different part of the market and a funder values them independently. The practical effect is a larger advance for the same percentage deposit and a shorter panel still, since fewer funders are willing to hold an asset that thinly traded. Both are financeable and both need the chassis history in full.
Ferrari finance by structure
This page covers the LaFerrari. 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 LaFerrari?
Tell us about the car and we will come back with terms from the commercial lenders that write Ferrari paper. From £20,766 a month on Lease Purchase.