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Ferrari Roma Finance
2020-present
620 bhp
Power
3.4s 0-62mph
Acceleration
199 mph
Top Speed
Finance from
£2,132 a month
Indicative, on Lease Purchase
List price
£199,355
Specified to £260,000
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Roma finance from £2,132 a month
- £2,132
- Per month
- £39,871
- Deposit
- 620 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £199,355
3.9L V8 Twin-Turbo
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £199,355 list price at 9.9% nominal over 48 months.
The Roma is the least expensive route into a new Ferrari and it finances accordingly: £2,472 a month on Personal Contract Purchase against the £199,355 list, on a 20% deposit of £39,871 and a 48 month agreement, with £91,703 guaranteed at the end. It is one of the very few cars from Maranello a funder will put a guaranteed figure against, which makes PCP genuinely available here rather than theoretically available.
Ferrari Roma 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 Roma three ways, on a 20% deposit of £39,871 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 Roma | Hire Purchase | £199,355 | £39,871 (20%) | 48 months | None | 9.9% | £4,037 |
| Ferrari Roma | Lease Purchase | £199,355 | £39,871 (20%) | 48 months | £111,639 (56%) | 9.9% | £2,132 |
| Ferrari Roma | Personal Contract Purchase | £199,355 | £39,871 (20%) | 48 months | £91,703 (46%) | 9.9% | £2,472 |
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 £4,037 and the only row with no final payment to plan for. Lease Purchase defers £111,639 to a final balloon, taking £1,905 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 sells the Roma as a front-engined 2+ coupe from £199,355, which places it at the entry point of the range and puts it in open competition with grand tourers from outside Maranello for the first time in years. That position is the most useful single fact about financing one. Buyers cross-shop the Roma against cars from Britain and Germany, funders are aware of it, and the competitive pressure runs all the way through to the terms rather than stopping at the showroom door.
The 620 bhp 3.9-litre V8 is a detuned version of an engine underwriters have seen thousands of times, fitted to a body style with a long history of legible values. Front-engined two-plus-two Ferraris have never behaved like the mid-engined cars. They sell steadily, they get used as actual grand tourers, and their values move slowly enough to model with confidence. That is precisely the profile a guaranteed future value depends on.
The Roma also has something the rest of the range lacks, which is a genuine second body style in the Spider and a successor already announced. That refresh cycle is a reason to think hard about term length rather than about structure. A four-year agreement on a Roma finishes cleanly. A five-year one finishes with two generations of newer car standing between you and your buyer.
Calculate your Roma 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 Roma. Car finance on a £199,355 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
£2,132 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Ferrari Roma
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £4,037 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,132 | £111,639 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £2,472 | £91,703 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 Roma is Personal Contract Purchase. Personal Contract Purchase works here because the guarantee behind it is real. A funder has enough comparable sales to commit to £91,703 and to carry the consequences if the market moves against it, and across the Ferrari range that willingness is the exception.
Hire Purchase is the better structure if you intend to keep the Roma past the agreement, and a fair number of owners do, because this is the Ferrari people use rather than store. It costs £4,037 a month against £2,472 and it leaves you with an unencumbered car at the end rather than a decision to make and a settlement to fund.
If you came here looking for Ferrari Roma 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 Roma: 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 Roma 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 Roma
A commercial lender underwrites the Ferrari Roma as an asset before it underwrites you as a borrower. The engine is where that starts: a 3.9L V8 Twin-Turbo engine producing 620 bhp, with 3.4s 0-62mph and 199 mph, puts this car in a category a specialist lender recognises. A Roma at £199,355 and specified to £260,000 is also not one asset with one value, and options rarely come back at what they cost.
| Roma | |
|---|---|
| Engine | 3.9L V8 Twin-Turbo |
| Power | 620 bhp |
| Torque | 760 Nm |
| 0-62mph | 3.4s 0-62mph |
| Top speed | 199 mph |
| Transmission | 8-speed dual-clutch |
| Drivetrain | RWD |
| List price | £199,355 |
| Specified to | £260,000 |
| Production | 2020-present |
The Roma's 3.4 second sprint and 199 mph maximum sit just inside the bracket where mainstream funders begin to decline, which is worth knowing because this is the one car in the catalogue where a buyer might be tempted down a high street route. The specialist commercial panel treats those numbers as unremarkable, and at £199,355 the agreement sits comfortably above the £25,000 threshold that makes it unregulated commercial finance rather than regulated consumer credit.
Rear-wheel drive and a soft-top variant sharing the name is the detail that trips up valuations. Roma and Roma Spider are separate markets, and the folding roof carries its own weather exposure and mechanism history. A funder assessing a coupe wants the paperwork to be unambiguous about which of the two it is looking at, and we state it at submission rather than letting it be inferred from a model lookup.
The interior is this car's quiet underwriting issue. The dual cockpit layout with its touch-sensitive controls and haptic steering wheel has aged less gracefully than the mechanicals, and a funder setting a value four years out has to consider what will feel current then. It is a small factor beside the powertrain, and it is one reason the guaranteed figure on a Roma is set a little more cautiously than the sales record alone would justify.
Roma features that bear on the valuation
- Elegant 2+ configuration
- Retractable spoiler
- Dual cockpit interior
- New HMI interface
- Manettino on steering wheel
What a lender wants to see on a Roma
- Main dealer or recognised specialist service history with no gaps in the annual schedule
- Clear confirmation the car is a Roma coupe rather than a Roma Spider, which is valued separately
- The build sheet showing the comfort, carbon and Daytona seat options actually fitted
- A vehicle record free of outstanding finance, insurance markers and structural repair
- A realistic declared annual mileage, because the guaranteed figure is written against it
Financing a used Ferrari Roma
A used Roma is the cheapest way to hold a current-generation Ferrari, and the population is large enough to shop properly. Cars from 2020 and 2021 are well into their price curve, the specification differences are legible from the build sheet, and there is no allocation politics to navigate. Financing one is a routine submission because the funder is pricing an asset it has assessed many times before.
The questions an underwriter asks about a used Roma are ordinary, which is the point of the car. Full history from a main dealer or recognised specialist, a clean vehicle record with nothing outstanding against it, and evidence that the car has been used as a grand tourer rather than left standing. Twenty thousand miles on a maintained Roma is a better proposition than a stored car with a thin file, and the terms offered will say so.
Pre-owned cars price the same way with smaller numbers. A used Roma at £111,500, on the same 20% deposit and 9.9% rate, comes to £2,258 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Ferrari Roma holds its value
The Roma has done what an entry-level Ferrari does, which is take its correction early and then settle into the grand touring market it belongs to. Front-engined 2+2 cars from Maranello, the FF and the GTC4Lusso and the California before them, have all followed the same shape: a sharp first phase, then a long flat stretch where the car trades as transport rather than as a collectable. The Roma is now well into the flat part.
Nothing about this model suggests it will become a car people put away. Ferrari built it to widen the customer base, it succeeded at that, and volume is the enemy of scarcity. The version worth watching is the Spider, which has the smaller build and the body style collectors have historically preferred, though even there the honest expectation is a slower decline rather than a rise.
The Roma is the one Ferrari where the funder is willing to be wrong at its own expense. Everywhere else in the range, that risk sits with you.
Everything here about the Roma 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 Roma
Three things can happen at the end of a Lease Purchase term on a Ferrari Roma, and it is worth knowing which you are planning for. You settle the £111,639 balloon and keep the car, you refinance it over a further term, or you part exchange the Roma and take whatever sits above the balloon as equity toward the next one.
Running costs on a Roma are the lowest in the Ferrari range and that bears directly on the term you should choose. The V8 shares its service schedule with a large production run, the tyres are a normal grand touring size, and the car tolerates daily use in a way most of this catalogue does not. Buyers who plan to cover real mileage should say so at submission, because it affects the guaranteed figure and is far better handled at the start than at the end.
Ferrari's maintenance programme from registration covers the scheduled work through the whole of a 48 month agreement on a new Roma, so the cost of ownership during the term is mostly fuel, tyres and insurance. That predictability is part of why this model suits Personal Contract Purchase. You can budget the payment and the running of the car together with unusual confidence, which is not something we say often on this site.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Roma 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 Roma.
How we arrange Ferrari Roma finance
Tell us about the car
Specification, mileage, history and where you are buying the Roma. On a £199,355 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 £39,871 over 48 months is our starting point on the Roma.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Roma agreements complete inside a week, anywhere in the United Kingdom.
Other Prancing Horse models we finance
The Ferrari Roma sits at £199,355 in a range we finance end to end. Either side of it are the F8 Tributo at £213,000, 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 Purosangue, 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 Roma finance FAQs
On the £199,355 list with a 20% deposit of £39,871 and a 48 month term at an indicative 9.9%, the Roma comes to £2,472 a month on Personal Contract Purchase with £91,703 guaranteed at the end, £2,132 on Lease Purchase and £4,037 on Hire Purchase. Every one of those figures is calculated live from the list price, so model your own deposit and term in the calculator above rather than working from a worked example.
Yes, and it is one of the few models in this catalogue where the answer is a clean one. A guaranteed future value only exists where a funder has enough completed sales to commit to a number, and the Roma has that history behind it. The funder sets £91,703, carries the risk that the market falls below it, and gives you the option to hand the car back, refinance the balance or settle it outright when the term ends.
It will lose value in an orderly way, which is a different and more useful quality. The Roma is the volume end of Maranello's range and it was designed to be, so the sensible expectation is a steady decline that flattens after the first few years rather than any kind of appreciation. That predictability is exactly what allows a funder to guarantee a figure, and it is why the monthly commitment on this model is lower than on cars costing similar money elsewhere in the range.
£39,871 against the £199,355 list, being 20%, is where most Roma agreements are written and it is the level at which the widest panel will quote. A larger deposit reduces £2,472 and strengthens the case on rate. Because the Roma sits at the entry point of the range, it is also the model where buyers most often want to stretch the deposit down, and the funders we use will look at that on the strength of the covenant behind the application.
It is often the better arithmetic. A three-year-old Roma has taken the sharpest part of its correction already, so the same deposit buys a materially lower monthly commitment and the guaranteed figure the funder sets is proportionally more robust. What matters is the file: unbroken main dealer or specialist history, a clean vehicle record, honest mileage and a build sheet that lets the options be valued rather than guessed at.
Financially they behave as two models rather than one. The coupe has the larger build and the more liquid used market, so it is the easier submission and the guaranteed figure comes back faster. The Spider is scarcer and has the body style collectors have historically preferred, which supports it at the end of a term but narrows the pool of buyers. If you want the simpler agreement take the coupe. If you want the car you actually pictured, the Spider still funds perfectly well.
Ferrari finance by structure
This page covers the Roma. 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 Roma?
Tell us about the car and we will come back with terms from the commercial lenders that write Ferrari paper. From £2,132 a month on Lease Purchase.