Works, with a caveat
Mercedes-AMG Lease Purchase Finance
Affalterbach on a monthly payment, with the balloon agreed rather than bought, so a G 63 premium stays with you
Indicative monthly payment from
£1,094a month
Based on Mercedes-AMG C 63 at £98,000, arranged as Lease Purchase at 8.9% nominal.
- Deposit
- £19,600
- Term
- 48
- Final payment
- £49,000
20%
months
50%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A G 63 or an AMG ONE sits on a monthly payment here: deposit at the start, most of the price paid down across the term, and one agreed final payment waiting at the end. Mercedes-AMG lease purchase agrees that balloon with the lender rather than buying its guarantee, so a G 63 trading above list keeps the premium on your side when you settle and take title.
We arrange Mercedes-AMG lease purchase across 5 current and recent Mercedes-AMG GmbH models, from the C 63 at around £98,000 to the AMG ONE at £2,350,000. Every figure on this page is computed from those real list prices by the same finance calculator you can run yourself, and we are an independent credit broker arranging the financing rather than a lender, so the rate and the term come back from our panel of specialist lenders rather than from us.
What a Mercedes-AMG lease purchase costs a month
The figures below are computed from each car's real list price using the same amortisation the finance calculator on this page runs, at 8.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific Mercedes-AMG, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Mercedes-AMG lease purchase is set once a lender has seen both.
The table prices the Mercedes-AMG AMG ONE, then the G 63 and SL 63. Change the car and the monthly payment moves with the list price, the deposit and the term rather than with anything we decide.
| Vehicle | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|
| Mercedes-AMG AMG ONE | £2,350,000 | £705,000 (30%) | 36 months | £1,645,000 (70%) | 8.9% | £12,200 |
| Mercedes-AMG G 63 | £185,000 | £27,750 (15%) | 60 months | £111,000 (60%) | 8.9% | £1,781 |
| Mercedes-AMG SL 63 | £157,000 | £31,400 (20%) | 48 months | £78,500 (50%) | 8.9% | £1,752 |
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.
Mercedes-AMG lease purchase finance calculator
Change the price, the deposit and the term to see what moves. The calculator runs the same amortisation as the table above, so the two can never disagree.
Vehicle Config
mi
£
Lease Purchase
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Affalterbach models we place on Mercedes-AMG lease purchase
We arrange Mercedes-AMG lease purchase across the Mercedes-AMG GmbH range rather than on a shortlist of easy cars, but the structure does not fit every model equally. Our specialist lenders take new, pre-owned and classic Mercedes-AMG cars alike, and the judgement in the table below comes from how each car has actually behaved at the end of a term rather than from what is easiest to place.
The Mercedes-AMG G 63, the AMG ONE suit Mercedes-AMG lease purchase. The AMG GT, SL 63 and C 63 do not, for the residual reason set out further down. Prices below are list, and a pre-owned G 63 is arranged on the same panel as a new one.
| Model | List from | Suits lease purchase | Why |
|---|---|---|---|
| AMG GT | £140,000 | No | You carry the residual on a falling asset |
| SL 63 | £157,000 | No | You carry the residual on a falling asset |
| G 63 | £185,000 | Yes | You keep the appreciation above the balloon |
| C 63 | £98,000 | No | You carry the residual on a falling asset |
| AMG ONE | £2,350,000 | Yes | You keep the appreciation above the balloon |
Mercedes-AMG
AMG ONE Finance
From £2,350,0001049 bhp
Mercedes-AMG
G 63 Finance
From £185,000577 bhp
Mercedes-AMG
SL 63 Finance
From £157,000577 bhp
Mercedes-AMG
AMG GT Finance
From £140,000577 bhp (GT 63)
Mercedes-AMG
C 63 Finance
From £98,000671 bhp
Each card opens the model page, where you can model Mercedes-AMG lease purchase financing against that specific vehicle.
Mercedes-AMG lease purchase deposit, term and balloon
Mercedes-AMG lease purchase is built from three numbers. A deposit, typically 20% on a Mercedes-AMG GmbH car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And a agreed final balloon deferred to the end, which is what pulls the monthly payment down to the figures above.
You have three ways to deal with the balloon payment: settle it and take the Mercedes-AMG outright, refinance it over a further term, or sell the car and clear it from the proceeds. Which of those is right is worth deciding before the agreement is written rather than in its final month. Early settlement part way through is allowed, with interest you have not yet run rebated. New, pre-owned and classic cars are all eligible, and Mercedes-AMG sits inside the wider sports car finance, prestige car finance and classic car finance market we work across.
Interest rates on a lease purchase agreement move with the term, the deposit and your credit profile, and financing a classic Mercedes-AMG runs on the same agreement as a current one.
- £60,000 to £3,200,000
- Mercedes-AMG deal range
- 2 of 5
- Models suited to lease purchase
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged
On current residual behaviour
Moves with the car and your position
Indicative rates from 8.9% nominal
Why Mercedes-AMG finance at this level goes through a panel
Mercedes-AMG finance at this level is not a retail product and is not priced from a rate card. We are an independent credit broker rather than a lender, so Mercedes-AMG lease purchase goes to the lenders on our panel that genuinely write against Mercedes-AMG GmbH cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Mercedes-AMG finance figure on this page is computed from a real list price in our catalogue, from the C 63 up to the AMG ONE, on the same amortisation the calculator runs. We publish no headline rate because every agreement is underwritten individually, and financing a Mercedes-AMG GmbH car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Mercedes-AMG car finance, sports car finance, prestige car finance and classic car finance, or simply a monthly payment on a C 63, the four structures and the panel behind them are the same. We arrange bespoke finance across the UK, a classic car goes to the same underwriters as a new one, and the monthly payments quoted here are computed rather than advertised.
What we do on a Mercedes-AMG that a dealer finance desk does not
- Place Mercedes-AMG lease purchase across a panel rather than with one lender, so a decline on a Mercedes-AMG starts the conversation rather than ending it
- Price new, pre-owned and classic Mercedes-AMG cars on the same panel, including a C 63 bought privately or an AMG ONE bought at auction
- Structure around Mercedes-AMG GmbH residual behaviour rather than against it, which is the whole of the argument on this marque
- Say when one of the other three structures suits your Mercedes-AMG better, even where it is the one we place less often
How Mercedes-AMG GmbH residuals decide the balloon you agree
The G 63 is the outlier that everyone knows about. Demand has run ahead of supply for years, used examples have repeatedly traded above list, and waiting lists have been long enough that a delivered car has had a premium attached to it on the day it arrived. There is nothing else in the AMG range that behaves like it and there is nothing else in this catalogue at that price that behaves like it either.
The rest of the range is conventional. The C 63, the SL 63 and the AMG GT depreciate along curves a lender can model without difficulty, helped by the fact that Mercedes-Benz sells enough cars for the used data to be genuinely reliable. The plug-in hybrid C 63 has been the softest of the three, as the market has taken time to decide what it thinks of a four-cylinder C 63.
The AMG ONE is not part of either group. It is a 275-car Formula 1 engine in a road car, sold to a vetted list, and it is valued as a collector asset rather than as a Mercedes.
Affalterbach produces both the strongest volume residual in this catalogue and one of the softest, sometimes in the same showroom.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | G 63, AMG ONE | A guaranteed future value is either declined outright or set below what the car is really worth, so the lender's protection is worth little here |
| Falling | C 63, SL 63, AMG GT | Forecastable, so a guaranteed figure can be set and priced |
Market commentary rather than a valuation. Residual value is the largest single variable in a vehicle agreement and no broker can guarantee it. Lender posture on Mercedes-AMG: Available across the range and unusually strong on G 63. Declined on AMG ONE.
Mercedes-AMG lease purchase against the other three structures
The four finance options are not interchangeable on a Mercedes-AMG, and the reason is the one running through this whole page: who carries the residual. Personal Contract Purchase hands it to the lender through a guaranteed minimum future value. Lease Purchase leaves it with you behind a balloon payment you agree. Hire Purchase removes the question by amortising the full cost and ends in outright ownership. Equity Release is not a purchase structure at all, but a refinance against a Mercedes-AMG you already hold.
- Core structure
Mercedes-AMG Personal Contract Purchase
PCP is straightforward across the AMG range and is the default structure on most of it, with the G 63 as the one car where you should think twice.
- Works, with a caveat
Mercedes-AMG Hire Purchase
Hire purchase is the obvious structure on a G 63 and a considered one on the rest of the range, which makes Affalterbach the marque where the answer depends most on which model is on the order form.
You are here
Mercedes-AMG Lease Purchase
Works, with a caveatLease purchase is the right call on the G 63 and the AMG ONE and the wrong one on the C 63, the SL 63 and the AMG GT, so the answer splits cleanly down the middle of the Affalterbach range.
- Works, with a caveat
Mercedes-AMG Equity Release
Equity release works on an AMG where the car is a G 63 or an AMG ONE, and there is usually nothing to release from a C 63.
Ratings are our own view of how each structure behaves on Mercedes-AMG, based on the residual evidence above rather than on which product is easiest to place.
Where lease purchase stops working on an Affalterbach car
The G 63 is the outlier everyone knows about. Demand has run ahead of supply for years, used examples have repeatedly traded above list, and a delivered car has often carried a premium on the day it arrived. A lender's guaranteed figure on one is likely to sit below what the car is really worth at the end of the term, which means you would be paying for the right to hand back a car worth more than the price you can hand it back at. An agreed balloon keeps that difference with you.
The AMG ONE belongs in the same column for a different reason: it is a 275-car Formula 1 derived hypercar sold to a vetted list and valued as a collector asset, so no guaranteed figure exists and the deferred balloon is what makes a car of that price holdable. Everything else in the range reads the other way. The C 63, the SL 63 and the AMG GT depreciate along curves a lender can model from genuinely reliable used data, and the plug-in hybrid C 63 is the softest of the three.
The G 63 argument depends on the premium lasting. Supply constraints ease, waiting lists shorten, and a balloon agreed on the assumption of a strong market becomes a payment you have to find in an ordinary one. Nothing about the car's record guarantees the next four years look like the last four, and on lease purchase there is no hand-back to fall back on.
If that is your position, Personal Contract Purchase is worth putting alongside this one before you decide.
Worth putting alongside this one
Mercedes-AMG Personal Contract Purchase
On a C 63, an SL 63 or an AMG GT the used data is deep enough that a lender will guarantee the residual accurately, and taking that figure is better value than any balloon you would agree against the same car.
Related Reading
Mercedes-AMG lease purchase FAQs
Mercedes-AMG C 63 at £98,000 works out at roughly £1,094 a month on Lease Purchase, with £19,600 down at 20% and a 48 month term at 8.9% indicative nominal, leaving £49,000 deferred to the end. Dearer cars in the range scale up from there. Every figure is computed rather than quoted, so run your own before relying on it.
Because the G 63 has repeatedly traded above list, and a guaranteed figure on a car in that position is protection against a fall that has not been happening. You would be buying an option you will never exercise. An agreed balloon lowers the monthly cost in the same way and leaves any surplus at the end of the term with you when you settle it and take title.
Through lease purchase or hire purchase, arranged as unregulated commercial finance. Affalterbach's vetting governs who may buy the car, not who may finance it, but the resale conditions attached to cars of this kind matter to a lender and need to be on the table early. Valuation is by appraisal, since 275 cars do not make a used market a lender can model.
Only if you are certain you are keeping it. The SL 63 sits in the conventional part of the range where lenders have deep used data and will guarantee the residual accurately. Taking that guarantee costs you a slightly higher payment and removes the risk entirely. Choosing an agreed balloon instead means volunteering to carry a fall that somebody else was willing to carry for you.
Longer rather than shorter, if you are relying on the market to help you settle. The G 63 has held its premium over an unusually long run, but a balloon agreed today falls due on a date you fix today. A longer term reduces the deferred amount and gives the position more room to be wrong without costing you money.