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Koenigsegg Gemera Finance
2024-present
1700 bhp
Power
1.9s 0-62mph
Acceleration
248 mph
Top Speed
Finance from
£15,452 a month
Indicative, on Lease Purchase
List price
£1,800,000
Specified to £2,500,000
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Gemera finance from £15,452 a month
- £15,452
- Per month
- £450,000
- Deposit
- 1700 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 36 months
25% of £1,800,000
2.0L 3-Cylinder + Electric Motors
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £1,800,000 list price at 9.9% nominal over 36 months.
The Gemera funds at £15,452 a month on Lease Purchase against the £1,800,000 list, taking £450,000 at 25% over 36 months at an indicative 9.9% with £1,170,000 deferred, or £43,497 on Hire Purchase if you would rather own it outright at the end. This is a four-seat Koenigsegg, and being the only one of those in existence is precisely why a funder is relaxed about taking security over it.
Koenigsegg Gemera 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 Koenigsegg Gemera three ways, on a 25% deposit of £450,000 over 36 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 |
|---|---|---|---|---|---|---|---|
| Koenigsegg Gemera | Hire Purchase | £1,800,000 | £450,000 (25%) | 36 months | None | 9.9% | £43,497 |
| Koenigsegg Gemera | Lease Purchase | £1,800,000 | £450,000 (25%) | 36 months | £1,170,000 (65%) | 9.9% | £15,452 |
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 £43,497 and the only row with no final payment to plan for. Lease Purchase defers £1,170,000 to a final balloon, taking £28,045 a month off. There is no Personal Contract Purchase row, and its absence is the useful information: not offered. Values on Ängelholm cars have moved in one direction and lenders will not write against a reversal.
Nothing else does what the Gemera does. Four full-size seats, 1700 bhp, 3500 Nm and 1.9 seconds to 62 mph, from a 2.0-litre three-cylinder engine Koenigsegg calls the Tiny Friendly Giant working alongside electric motors driving all four wheels. The camless Freevalve system that makes the engine possible is Koenigsegg's own technology and is supported from Ängelholm. For an underwriter the absence of any comparable vehicle is the useful part: there is no competing model to drag a valuation down and no substitute a buyer could take instead.
The Mega-GT idea also changes who the buyer is, and funders notice. A two-seat hypercar is a third or fourth car. A Gemera is one that can carry a family, which broadens the case for holding it and shortens the argument about why a company might be capitalising it. Applications on this model tend to be cleaner than the marque average for exactly that reason.
Deliveries began in 2024, so this is the newest car in the Koenigsegg catalogue and the one with the least history behind it. That does not soften the funding position, because the position rests on scarcity and on the manufacturer's record rather than on a used market. It does mean the file carries more weight than usual, and a specification running from £1,800,000 to £2,500,000 is a spread a funder will want itemised rather than summarised.
Calculate your Gemera 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 Gemera. Car finance on a £1,800,000 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 25% deposit over 36 months:
From
£15,452 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Koenigsegg Gemera
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £43,497 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £15,452 | £1,170,000 | 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 36 months on a 25% deposit.
Our answer on the Gemera is Lease Purchase. Deferring £1,170,000 to the end of a 36 month term keeps the commitment at £15,452 and leaves the capital free, which suits a car most owners intend to keep and to use rather than to trade out of on a schedule.
Hire Purchase at £43,497 is the cleaner arrangement if the deferred sum would sit awkwardly against your other commitments. It costs more each month, it clears the balance completely across the term, and it removes the need to have any conversation at all about the end of the agreement. Total payable on that basis comes to £2,015,905.
If you came here looking for Koenigsegg Gemera 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 Gemera: 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.
Koenigsegg builds fewer cars a year than most dealers sell in a week, and scarcity at that level puts the marque permanently outside guaranteed-value products. The Koenigsegg Gemera sits inside that position as a limited-build car whose market has already decided it is worth keeping.
What a lender sees in the Koenigsegg Gemera
A commercial lender underwrites the Koenigsegg Gemera as an asset before it underwrites you as a borrower. The engine is where that starts: a 2.0L 3-Cylinder + Electric Motors engine producing 1700 bhp, with 1.9s 0-62mph and 248 mph, puts this car in a category a specialist lender recognises. A Gemera at £1,800,000 and specified to £2,500,000 is also not one asset with one value, and options rarely come back at what they cost.
| Gemera | |
|---|---|
| Engine | 2.0L 3-Cylinder + Electric Motors |
| Power | 1700 bhp |
| Torque | 3500 Nm |
| 0-62mph | 1.9s 0-62mph |
| Top speed | 248 mph |
| Transmission | Single-speed Direct Drive |
| Drivetrain | AWD |
| List price | £1,800,000 |
| Specified to | £2,500,000 |
| Production | 2024-present |
The Tiny Friendly Giant is a 2.0-litre three-cylinder unit with no camshafts, which is a sentence that stops underwriters who have not seen the model before. Freevalve actuation removes a set of conventional wear items and adds a system nobody outside Ängelholm services. The practical consequence for a term of 36 months is that the factory support arrangement is part of what the funder is lending against, and it wants that arrangement evidenced rather than assumed.
All-wheel drive with electric motors and 3500 Nm available from a standstill puts the Gemera in a different insurance conversation from the rear-driven cars in the range. The traction makes the performance usable in conditions where the others simply are not, which is a safety argument and a mileage argument at the same time. Funders read it as both, and the agreed-value policy needs to reflect the way the car will actually be run.
Four seats change the paperwork more than they change the car. A meaningful share of Gemera applications come through limited companies where the vehicle is being capitalised as a genuine asset, and a four-seat body shell is far easier to justify commercially than a two-seat one. That works in your favour with an underwriter, who reads the use case as coherent rather than as decoration.
Gemera features that bear on the valuation
- Four full-size seats
- 2.0L 3-cylinder engine
- 1700 bhp total output
- Camless Freevalve engine
- Mega-GT concept
What a lender wants to see on a Gemera
- The factory commission document itemising the specification, since the list spans £1,800,000 to £2,500,000
- Evidence of the car's place in Koenigsegg's factory service and support arrangement
- A realistic declared annual mileage, because this is the Koenigsegg that genuinely earns miles
- Agreed-value insurance rated for four occupants and matched to the amount advanced
- Delivery paperwork confirming the chassis came through an official supply route into the UK
Financing a used Koenigsegg Gemera
There is barely a used Gemera market at the time of writing, because deliveries only started in 2024 and the people who waited for one are not the people who sell quickly. The cars that do move tend to move privately, at prices set by how long the queue behind them still is. Financing one of those is straightforward. Arriving expecting a used discount because the model is no longer brand new is not realistic on this car.
Where an early example does come up, a funder wants the original commission document, the factory service position, the ownership chain and confirmation that the specification is unaltered. Mileage carries more weight on a Gemera than on any other Koenigsegg, since this is a car that is genuinely meant to be driven and the odometer tells the underwriter what sort of life the chassis has had. Honest use with a full record beats a stored car with a thin one.
Pre-owned cars price the same way with smaller numbers. A used Gemera at £1,170,000, on the same 25% deposit and 9.9% rate, comes to £28,273 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Koenigsegg Gemera holds its value
The Gemera has no market history of its own yet, and pretending otherwise would be the least useful thing this page could do. What it has instead is the manufacturer's record. Every capped run Ängelholm has completed has been allocated before it was finished, and the Agera RS cars have traded above their delivery prices in the years since that run closed in 2018. The Gemera arrives into a customer base that has never been given a reason to sell at a loss.
The interesting question is whether being the practical Koenigsegg helps or hurts over time. Across the wider collector market, the cars that have appreciated most have generally been the extreme ones rather than the usable ones. Against that, there is no second four-seat hypercar to compete with this one and no obvious way for another manufacturer to produce one quickly. We would not forecast either outcome. We would structure the agreement so the outcome is yours.
The Gemera is the only hypercar with a back seat worth sitting in, and there is no second one for a funder to compare it against.
Everything here about the Gemera 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 Koenigsegg you are buying.
Part exchange and settlement on a Koenigsegg Gemera
Three things can happen at the end of a Lease Purchase term on a Koenigsegg Gemera, and it is worth knowing which you are planning for. You settle the £1,170,000 balloon and keep the car, you refinance it over a further term, or you part exchange the Gemera and take whatever sits above the balloon as equity toward the next one.
A Gemera will be used, and that reframes the running costs entirely. Tyres on an all-wheel-drive car making 3500 Nm do not last, the electric motors and the battery carry their own inspection schedule regardless of mileage, and movement to a factory-approved facility for scheduled work is an annual planning exercise rather than a phone call. Owners coming from a conventional grand tourer are usually surprised by the tyre line before anything else.
In exchange, the Gemera is the one car in this range that can absorb real journeys, and a term of 36 months on a car you actually drive is a very different proposition from the same term on a car in a collection. Set the mileage expectation with the insurer and the funder at the start, agree the servicing logistics before the first appointment falls due, and the ownership cost becomes as predictable as the payment.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Gemera 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 Gemera.
How we arrange Koenigsegg Gemera finance
Tell us about the car
Specification, mileage, history and where you are buying the Gemera. On a £1,800,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Koenigsegg 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 25% deposit of £450,000 over 36 months is our starting point on the Gemera.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Gemera agreements complete inside a week, anywhere in the United Kingdom.
Other models from Ängelholm we finance
The Koenigsegg Gemera sits at £1,800,000 in a range we finance end to end. Either side of it are the Regera at £2,300,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other Koenigsegg cars we arrange finance deals on are the Koenigsegg Jesko, the Koenigsegg Regera, the Koenigsegg CC850 and the Koenigsegg Agera RS, each with its own page and payment table, because a lender does not price a range, it prices a car.
Koenigsegg Gemera finance FAQs
Working from the £1,800,000 list, £450,000 of deposit at 25%, a 36 month term and an indicative 9.9%, the Gemera comes to £15,452 a month on Lease Purchase with £1,170,000 held to the end, or £43,497 on Hire Purchase with the balance cleared in full. Commissions vary widely in specification, so use the actual purchase figure in the calculator rather than the entry list price.
Lease Purchase at £15,452, Hire Purchase at £43,497 and equity release against a car already held outright. Those three cover essentially every Gemera transaction we are asked to arrange. Products built around a funder guaranteeing the car's future value are not part of the set, and on a car of this scarcity that costs the owner nothing, because the value of such a guarantee is the option to walk away from the asset and nobody walks away from one of these.
Treat it as a car you want rather than as a position you are taking, and let the structure keep your options open. What can be said fairly is that Ängelholm has never completed a run that was not allocated in advance, and that Agera RS examples have changed hands above their delivery prices since that series closed in 2018. The Gemera is too new for anything more specific than that, and any page telling you otherwise is guessing.
£450,000, which is 25% of the £1,800,000 list, is where the panel starts. On this model the deposit has a second job whenever a buyer has paid above list to move up a delivery queue, because a funder advances against its own view of the car rather than against a premium paid to jump ahead. Buyers acquiring at list through an ordinary allocation will not meet that problem at all.
Yes, and a fair proportion of these agreements are written that way. The four-seat body shell makes the commercial rationale considerably easier to set out than it would be on a two-seat car, and the funder underwrites the trading position alongside the vehicle. The agreement is unregulated commercial finance above £25,000 rather than regulated consumer credit. Your accountant should confirm the tax treatment before you commit, since it turns on how the car is used.
Not in the direction people expect. Underwriters are not pricing cylinder count, they are pricing whether the asset can be maintained and sold, and the camless engine is supported by the manufacturer that designed it. What they do ask for is evidence of the factory support arrangement, because the unit cannot be serviced by an independent. Provide that and 1700 bhp from two litres is simply an interesting fact rather than an underwriting issue.
Koenigsegg finance by structure
This page covers the Gemera. For how each structure behaves across the Ängelholm 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 Koenigsegg Gemera?
Tell us about the car and we will come back with terms from the commercial lenders that write Koenigsegg paper. From £15,452 a month on Lease Purchase.