Works, with a caveat
Nissan GT-R PCP Finance
GT-R on a monthly payment, with a balloon set from a market that has since firmed in your favour
Indicative monthly payment from
£837a month
Based on Nissan GT-R Premium at £75,000, arranged as Personal Contract Purchase at 8.9% nominal.
- Deposit
- £15,000
- Term
- 48
- Final payment
- £37,500
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 current GT-R sits comfortably on a monthly payment, with a deposit at the start and a guaranteed final figure carrying the rest across a 48-month term. Nissan PCP is available and quick to place, though the R35 market has stopped falling, so most buyers now reach the end holding equity rather than a car they want to give back.
We arrange Nissan GT-R PCP across 2 current and recent Nissan Motor Corporation models, from the GT-R Premium at around £75,000 to the GT-R Nismo at £150,000. 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 Nissan GT-R 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 Nissan, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Nissan GT-R PCP is set once a lender has seen both.
The table prices the Nissan GT-R Nismo, then the GT-R Premium. 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 |
|---|---|---|---|---|---|---|
| Nissan GT-R Nismo | £150,000 | £37,500 (25%) | 48 months | £67,500 (45%) | 8.9% | £1,618 |
| Nissan GT-R Premium | £75,000 | £15,000 (20%) | 48 months | £37,500 (50%) | 8.9% | £837 |
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.
Nissan GT-R 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 Yokohama models we place on Nissan GT-R PCP
We arrange Nissan GT-R PCP across the Nissan Motor Corporation 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 Nissan 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 Nissan GT-R Premium suit Nissan GT-R PCP. The GT-R Nismo does not, for the residual reason set out further down. Prices below are list, and a pre-owned GT-R Premium is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| GT-R Nismo | £150,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| GT-R Premium | £75,000 | Yes | Forecastable residual, guaranteed figure available |
Each card opens the model page, where you can model Nissan GT-R PCP financing against that specific vehicle.
Nissan GT-R PCP deposit, term and balloon
Nissan GT-R PCP is built from three numbers. A deposit, typically 20% on a Nissan Motor Corporation 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 Nissan 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 Nissan sits inside the wider sports car finance and classic car finance market we work across.
Our specialists place Nissan GT-R 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 Nissan 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.
- £30,000 to £400,000
- Nissan deal range
- 1 of 2
- 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 Nissan GT-R finance with a specialist broker
Nissan 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 Nissan GT-R PCP goes to the lenders on our panel that genuinely write against Nissan Motor Corporation cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Nissan finance figure on this page is computed from a real list price in our catalogue, from the GT-R Premium up to the GT-R Nismo, on the same amortisation the calculator runs. We publish no headline rate because every agreement is underwritten individually, and financing a Nissan Motor Corporation car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Nissan car finance, sports car finance and classic car finance, or simply a monthly payment on a GT-R Premium, 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 Nissan that a dealer finance desk does not
- Place Nissan GT-R PCP across a panel rather than with one lender, so a decline on a Nissan starts the conversation rather than ending it
- Price new, pre-owned and classic Nissan cars on the same panel, including a GT-R Premium bought privately or a GT-R Nismo bought at auction
- Structure around Nissan Motor Corporation 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 Nissan better, even where it is the one we place less often
How Nissan Motor Corporation residuals set the guaranteed future value
For most of its life the R35 GT-R was a fast car with ordinary residuals, and early cars reached the used market at prices that made them extraordinary value. The end of production reversed that. Final-edition and Nismo cars have firmed noticeably, and the broader R35 market has stopped falling, which is a different situation from the one a lender would have modelled five years ago.
The R34 Skyline GT-R is a separate market and one of the clearest appreciation stories anywhere in this catalogue. Cars that were worth £30,000 fifteen years ago are now routinely six figures, driven by scarcity in right-hand-drive markets and by a generation of buyers who have reached the point of being able to buy one.
The practical effect is that a Nissan finance conversation splits cleanly. Current cars are a conventional prestige-finance question. Anything R34 or earlier is a collector-asset question and is underwritten as one.
The R35 GT-R spent fifteen years depreciating and then stopped, and the R34 in front of it has become one of the strongest appreciating assets in performance cars.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Skyline GT-R R34, GT-R Nismo | 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 | GT-R Premium | 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 Nissan: Available on current GT-R, though the figures now lag a market that has stopped falling. Declined on R34 and earlier.
Nissan GT-R PCP against the other three structures
The four finance options are not interchangeable on a Nissan, 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 Nissan you already hold.
You are here
Nissan Personal Contract Purchase
Works, with a caveatPCP is available on a current GT-R and the guaranteed figures now lag a market that has stopped falling, which is worth knowing before you choose it.
- Core structure
Nissan Hire Purchase
Hire purchase fits a GT-R better than any other structure, because the two things this marque's owners do most, modify the car and keep it, are the two things a guaranteed-value agreement penalises.
- Works, with a caveat
Nissan Lease Purchase
Lease purchase is right on the R34 Skyline GT-R and on the firming Nismo, and marginal on a GT-R Premium, so the answer depends on which generation you are buying.
- Works, with a caveat
Nissan Equity Release
Equity release works on a Nissan almost entirely because of the R34 Skyline GT-R, which is one of the strongest refinance assets in this catalogue.
Ratings are our own view of how each structure behaves on Nissan, based on the residual evidence above rather than on which product is easiest to place.
Where PCP stops working on a Godzilla car
For most of its fifteen-year life the R35 GT-R was a fast car with ordinary residuals, and lenders modelled it accordingly. The end of production changed that. Final-edition and Nismo cars have firmed noticeably and the broader R35 market has stopped falling, but guaranteed figures are set from historic data and have not fully caught up. That produces a slightly cautious balloon on a car whose value is no longer heading downwards.
The practical effect is that PCP still works on a GT-R, but the option to hand the car back is worth less than it was and may be worth nothing at all by the end of the term. If you are confident you want to keep the car, you are paying for flexibility you will not use.
The R34 Skyline GT-R is in a different market entirely and outside the product. Cars worth £30,000 fifteen years ago are routinely six figures now, driven by scarcity in right-hand-drive markets, and no lender will set a guaranteed future value against that. R34 and earlier cars are appraised individually and financed as collector assets.
Related Reading
Nissan GT-R PCP finance FAQs
Nissan GT-R Premium at £75,000 works out at roughly £837 a month on Personal Contract Purchase, with £15,000 down at 20% and a 48 month term at 8.9% indicative nominal, leaving £37,500 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.
Broadly yes, and the Nismo and final-edition cars have firmed. That is a change from the position lenders modelled five years ago, and guaranteed figures have not fully caught up. It means a GT-R PCP is likely to leave you with equity at the end rather than a car you want to hand back.
Yes, but not on PCP. The R34 has been one of the strongest appreciating assets in performance cars, and no lender guarantees a future value on a rising market. It is placed as a collector asset on hire purchase or lease purchase, with underwriting based on an individual appraisal and import documentation.
Lease purchase deserves a serious look. The Nismo has firmed since production ended, so a guaranteed figure set from older data may sit below the car's real value. Lease purchase lets you set the final payment yourself and keep any surplus, rather than handing the upside to a lender through an option you will never exercise.
Significantly, and usually downwards. The GT-R has a large modification culture and lenders value the car in standard specification, because that is what the used market pays for reliably. If the car has been mapped or has had significant hardware changes, tell us at the outset so the deal is structured on the right basis.