Core structure
Mercedes-AMG PCP Finance
Affalterbach's range on a monthly payment, priced from real used-market data rather than an underwriter's guess
Indicative monthly payment from
£1,179a month
Based on Mercedes-AMG C 63 at £98,000, arranged as Personal Contract Purchase at 8.9% nominal.
- Deposit
- £19,600
- Term
- 48
- Final payment
- £44,100
20%
months
45%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A C 63, an SL 63 or an AMG GT quotes fast and quotes low, because Affalterbach sells enough cars for a lender to price the end of the term from real data. Mercedes-AMG PCP runs 48 months off an agreed deposit, with the guaranteed minimum future value pulled from that dataset, and that accuracy is what keeps the monthly payment competitive.
We arrange Mercedes-AMG PCP 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 PCP 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 PCP is set once a lender has seen both.
The table prices the Mercedes-AMG SL 63, then the AMG GT and C 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 SL 63 | £157,000 | £31,400 (20%) | 48 months | £70,650 (45%) | 8.9% | £1,889 |
| Mercedes-AMG AMG GT | £140,000 | £28,000 (20%) | 48 months | £70,000 (50%) | 8.9% | £1,562 |
| Mercedes-AMG C 63 | £98,000 | £19,600 (20%) | 48 months | £44,100 (45%) | 8.9% | £1,179 |
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 PCP 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
£
Personal Contract 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 PCP
We arrange Mercedes-AMG PCP 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 AMG GT, the SL 63 and C 63 suit Mercedes-AMG PCP. The G 63 and AMG ONE do not, for the residual reason set out further down. Prices below are list, and a pre-owned AMG GT is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| AMG GT | £140,000 | Yes | Forecastable residual, guaranteed figure available |
| SL 63 | £157,000 | Yes | Forecastable residual, guaranteed figure available |
| G 63 | £185,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| C 63 | £98,000 | Yes | Forecastable residual, guaranteed figure available |
| AMG ONE | £2,350,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
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 PCP financing against that specific vehicle.
Mercedes-AMG PCP deposit, term and balloon
Mercedes-AMG PCP 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 guaranteed minimum future value 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.
Our specialists place Mercedes-AMG PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and a Mercedes-AMG decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £60,000 to £3,200,000
- Mercedes-AMG deal range
- 3 of 5
- Models suited to PCP
- 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 arrange Mercedes-AMG finance with a specialist broker
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 PCP 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 PCP 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 set the guaranteed future value
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 PCP 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.
You are here
Mercedes-AMG Personal Contract Purchase
Core structurePCP 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.
- Works, with a caveat
Mercedes-AMG Lease Purchase
Lease 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 PCP stops working on an Affalterbach car
Affalterbach benefits from something none of the low-volume marques on this site can offer: Mercedes-Benz sells enough cars for used-market data to be genuinely reliable. A C 63, an SL 63 or an AMG GT can be quoted quickly, and the guaranteed minimum future value comes from a real dataset rather than an extrapolation. That produces competitive monthly payments and accurate exit prices.
The plug-in hybrid C 63 is the softest of the group and therefore the best candidate. The market has taken time to decide what it thinks of a four-cylinder C 63, and that uncertainty is exactly the sort of thing worth handing to a lender at the start of a term rather than absorbing at the end of one.
The G 63 breaks the pattern. Demand has run ahead of supply for years, used cars have repeatedly traded above list, and a delivered car has often carried a premium on the day it arrived. A guaranteed figure on a G 63 may well sit below what the car is actually worth in four years, which means the option to hand it back is one you will never use. The AMG ONE is outside the product altogether.
Related Reading
Mercedes-AMG PCP finance FAQs
Mercedes-AMG C 63 at £98,000 works out at roughly £1,179 a month on Personal Contract Purchase, with £19,600 down at 20% and a 48 month term at 8.9% indicative nominal, leaving £44,100 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.
Probably not, and it is the one AMG where we say so. The G 63 has repeatedly traded above list and a guaranteed figure is likely to sit below its real value at the end of the term. You would be paying for the right to hand back a car worth more than the price you can hand it back at. Hire purchase or lease purchase keeps that upside with you.
It is the best in the range. The plug-in hybrid C 63 has been the softest performer of the current AMG cars while the market decides what it makes of a four-cylinder badge, and that uncertainty is precisely what a guaranteed minimum future value is for. Fix the exit price at the outset and the question stops being yours.
No. It is a 275-car Formula 1 derived hypercar sold to a vetted buyer list and valued as a collector asset rather than as a Mercedes. Lenders do not set guaranteed future values on cars in that category. It is arranged on lease purchase or hire purchase, and refinanced through equity release where already owned.
The manufacturer offer is a regulated consumer product built on one lender's residual view. We arrange unregulated commercial agreements across a panel, so the guaranteed figure and the rate are both shoppable. On a C 63 the two are often close. On a G 63 the manufacturer view of the residual is frequently the more conservative one.