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Ferrari Purosangue Finance
2023-present
725 bhp
Power
3.3s 0-62mph
Acceleration
193 mph
Top Speed
Finance from
£4,257 a month
Indicative, on Lease Purchase
List price
£398,000
Specified to £500,000
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Purosangue finance from £4,257 a month
- £4,257
- Per month
- £79,600
- Deposit
- 725 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £398,000
6.5L V12 Naturally Aspirated
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £398,000 list price at 9.9% nominal over 48 months.
A Purosangue funds at £4,257 a month on Lease Purchase against the £398,000 list, with £79,600 down at 20% across 48 months and £222,880 held to the end. Ferrari's four-door V12 still has an order book longer than the term of most agreements, and that scarcity is doing useful work for you. The funder is setting a deferred figure against a market where demand has not yet caught up with supply.
Ferrari Purosangue 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 Purosangue three ways, on a 20% deposit of £79,600 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 Purosangue | Hire Purchase | £398,000 | £79,600 (20%) | 48 months | None | 9.9% | £8,060 |
| Ferrari Purosangue | Lease Purchase | £398,000 | £79,600 (20%) | 48 months | £222,880 (56%) | 9.9% | £4,257 |
| Ferrari Purosangue | Personal Contract Purchase | £398,000 | £79,600 (20%) | 48 months | £183,080 (46%) | 9.9% | £4,936 |
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 £8,060 and the only row with no final payment to plan for. Lease Purchase defers £222,880 to a final balloon, taking £3,803 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.
The Purosangue is a four-door, four-seat Ferrari with a 6.5-litre naturally aspirated V12 under a long bonnet, and that specification is the entire argument. Every other manufacturer building a performance car of this shape reached for a turbocharged engine. Maranello did not, and the result is a machine with no direct equivalent, which is a rare and genuinely useful position when a funder goes looking for comparable sales and finds nothing that competes.
Ferrari has deliberately capped how many Purosangues it builds as a proportion of total output, and that decision shapes the finance more than any feature on the car. Constrained supply keeps the order book long, keeps early cars firm, and gives a funder writing a four-year agreement a market it can reasonably expect to still be tight at the end of it. Volume caps do not always survive commercial pressure, so this is a position to use rather than to rely on indefinitely.
Against that, the Purosangue is underwritten as a family car and it will be used as one. Four seats, four doors and 193 mph is a combination that generates mileage, and mileage on a naturally aspirated twelve is the variable that separates two otherwise identical cars at the end of a term. Funders account for it by asking what the annual figure will be, and that answer belongs in the submission rather than in a surprise conversation later.
Calculate your Purosangue 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 Purosangue. Car finance on a £398,000 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
£4,257 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Ferrari Purosangue
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £8,060 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £4,257 | £222,880 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £4,936 | £183,080 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 Purosangue is Lease Purchase. Lease Purchase lets you defer £222,880 on a car whose supply is still constrained, so the deferred figure is set against a market that has not yet softened and any remaining firmness stays with you rather than being handed to a funder.
Personal Contract Purchase is worth taking if you want certainty more than upside. The Purosangue is a series car, so a funder will guarantee £183,080 on it, and that guarantee becomes valuable if Ferrari lifts the production cap during your term. You are effectively insuring against Maranello changing its mind, which is not an unreasonable thing to insure against.
If you came here looking for Ferrari Purosangue 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 Purosangue: 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 Purosangue 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 Purosangue
A commercial lender underwrites the Ferrari Purosangue as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.5L V12 Naturally Aspirated engine producing 725 bhp, with 3.3s 0-62mph and 193 mph, puts this car in a category a specialist lender recognises. A Purosangue at £398,000 and specified to £500,000 is also not one asset with one value, and options rarely come back at what they cost.
| Purosangue | |
|---|---|
| Engine | 6.5L V12 Naturally Aspirated |
| Power | 725 bhp |
| Torque | 716 Nm |
| 0-62mph | 3.3s 0-62mph |
| Top speed | 193 mph |
| Transmission | 8-speed dual-clutch |
| Drivetrain | AWD |
| List price | £398,000 |
| Specified to | £500,000 |
| Production | 2023-present |
A naturally aspirated V12 producing 725 bhp in a car that weighs what a four-seater weighs is hard on consumables. Brakes, tyres and the active suspension hardware all carry real replacement costs, and a funder assessing a five-year term factors in that meaningful work will be needed before the agreement ends. This is the main reason the panel prefers 48 months on a Purosangue to 60, and why we usually recommend accepting that.
The rear-hinged back doors and their powered mechanism are unusual components with no parts-bin equivalent anywhere else. Damage to them is expensive and slow to put right, which affects both the insurance position and the funder's view of downside risk. It is a minor line on the specification sheet and a disproportionate one on a claim, and underwriters who know the model ask about it specifically.
Four seats also change who else is on the paperwork. A meaningful share of Purosangue applications come from company directors capitalising the car as a genuine business asset, and the funder examines the trading position alongside the vehicle. That works in your favour here. A four-door bodyshell is easier to justify commercially than a two-seat berlinetta, and underwriters treat the use case as coherent rather than decorative.
Purosangue features that bear on the valuation
- Naturally-aspirated V12
- Four full-size seats
- Rear suicide doors
- Active suspension
- Independent climate zones
What a lender wants to see on a Purosangue
- The original order and delivery paperwork, confirming an allocation rather than a resale chain
- Unbroken Ferrari servicing on the V12 schedule, with the active suspension items recorded
- A realistic annual mileage declaration, because this car genuinely earns its miles
- Confirmation that the car is unmodified, including wheels, exhaust and suspension
- A clean vehicle record, with no damage recorded to the rear door mechanism
Financing a used Ferrari Purosangue
The used Purosangue market barely exists yet, because the first deliveries landed in 2023 and almost nobody who waited three years for one has since sold it. The cars that do surface tend to be attached to a story, a change of circumstances or a collection being thinned, and they are priced by owners who know exactly what the waiting list still looks like. Financing one is straightforward. Expecting a used discount on this model is not realistic.
Where a used example does come up, the funder's focus is provenance and originality. It wants the original order, an unbroken service record and confirmation that nothing has been altered, because a modified Purosangue is a considerably harder car to place at the end of a term. Mileage carries more weight here than on a stored supercar, since this is a car bought to be driven and the odometer tells the underwriter what sort of life it has had.
Pre-owned cars price the same way with smaller numbers. A used Purosangue at £223,000, on the same 20% deposit and 9.9% rate, comes to £4,516 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Ferrari Purosangue holds its value
Early Purosangues changed hands above list through 2023 and 2024 while the waiting list stretched years out, which is the behaviour of a car in short supply rather than a verdict on its long-term market. Ferrari has held the production cap since, and the order book has not cleared. Nothing in that history tells you what happens once supply and demand finally meet, and the honest position is that this model has not yet had a normal used market at all.
The comparison people reach for is the wrong one. Performance vehicles of this shape from other manufacturers have generally softened quickly, but those were built in volume against demand and the Purosangue is not. The more useful precedent is Ferrari's own history of limiting output on cars it did not want to become common, which has kept values firmer than the body style alone would imply. That is a reason for optimism rather than a forecast.
The Purosangue is the only naturally aspirated V12 of its kind, and Ferrari decides how many exist. Both of those facts work for you when a funder sets the deferred figure.
Everything here about the Purosangue 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 Purosangue
Three things can happen at the end of a Lease Purchase term on a Ferrari Purosangue, and it is worth knowing which you are planning for. You settle the £222,880 balloon and keep the car, you refinance it over a further term, or you part exchange the Purosangue and take whatever sits above the balloon as equity toward the next one.
A Purosangue gets driven, and that reframes the running cost conversation entirely. Expect twelve-cylinder fuel consumption on a school run, tyres sized for a heavy car with 725 bhp, and servicing priced against the V12 schedule rather than the V8 one. Buyers arriving from a conventional luxury four-by-four are usually surprised by the tyre bill before anything else on the list catches them out.
The maintenance programme included from registration covers scheduled work across a 48 month term on a new car, which makes the budget straightforward while it lasts. What it does not cover is wear, and on this model wear is the larger number. Set that expectation before choosing between a 48 and a 60 month agreement, because the longer term puts a second set of major consumables inside the period you are still paying for the car.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Purosangue 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 Purosangue.
How we arrange Ferrari Purosangue finance
Tell us about the car
Specification, mileage, history and where you are buying the Purosangue. On a £398,000 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 £79,600 over 48 months is our starting point on the Purosangue.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Purosangue agreements complete inside a week, anywhere in the United Kingdom.
Other Prancing Horse models we finance
The Ferrari Purosangue sits at £398,000 in a range we finance end to end. Either side of it are the 12Cilindri at £335,000 and 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 812 Superfast, 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 Purosangue finance FAQs
Working from the £398,000 list, £79,600 of deposit at 20%, a 48 month term and an indicative 9.9%, the Purosangue comes to £4,257 on Lease Purchase with £222,880 deferred, or £8,060 on Hire Purchase with nothing left at the end. Cars specified through the full personalisation programme carry a higher invoice than the list price, so enter the real figure from your order confirmation into the calculator.
Lease Purchase, yes, and it is the structure we arrange most often on this model. Conventional contract hire, where the car goes back at the end and never belongs to you, is not something specialist commercial funders write against an asset of this value on a waiting list this long. Lease Purchase gives you the lower monthly commitment of £4,257 while ownership sits with you from the first payment, with £222,880 to settle, refinance or clear on disposal.
So far it has, and the reason is supply rather than sentiment. Cars changed hands above list through 2023 and 2024 while the order book ran years deep, and Ferrari has kept the production cap in place since. What nobody can tell you is what happens when that cap eventually loosens. We structure agreements on the basis that today's tightness is a production decision rather than a permanent feature, which is the prudent way to read it.
£79,600, being 20% of the £398,000 list, is where these agreements are normally written. On a Purosangue there is a second consideration. Buyers who paid a premium to jump the waiting list are funding a car above its list price, and no funder will advance against that premium, so the extra has to come from the deposit. If you bought at list through an allocation, the standard percentage is all the panel will ask for.
Yes, though there are few of them and none of them is cheap. A funder assessing a used example wants the original order paperwork, an unbroken V12 service record, honest mileage and confirmation the car is unmodified. Because the model has no settled used market, the funder values the specific car rather than the model line, which means a well documented example attracts noticeably better terms than one with an unexplained gap in its history.
It makes it easier, which surprises people. Turbocharged performance vehicles of this shape are built in volume by several manufacturers, so a funder has a large sales record showing exactly how quickly they soften. The Purosangue has no direct equivalent and a capped build, so the comparison set that would drag a valuation down does not exist. The V12 costs more to service and run, and it earns that back in the deferred figure a funder is willing to accept.
Ferrari finance by structure
This page covers the Purosangue. 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 Purosangue?
Tell us about the car and we will come back with terms from the commercial lenders that write Ferrari paper. From £4,257 a month on Lease Purchase.