Nissan GT-R Premium Finance

Nissan GT-R Premium 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 Nissan GT-R Premium three ways, on a 20% deposit of £15,000 over 48 months at an indicative 8.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.

Hire Purchase amortises the whole balance, which is why it is the highest payment at £1,490 and the only row with no final payment to plan for. Lease Purchase defers £37,500 to a final balloon, taking £653 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.

New right-hand-drive supply of the GT-R into the United Kingdom has ended, and that is the single most consequential fact on this page. The population of cars available to a British buyer is now finite. Nothing further is arriving through a showroom, the market is used cars and imports, and every agreement written from here is secured against an asset from a set that can only shrink. A lender pricing a Premium is no longer working against a model with a factory behind it topping up supply each quarter.

That closure has three practical effects on the finance and all of them are in your favour. There is no new-car pricing dragging used values down behind it, there is no successor arriving mid-term to reset the market, and the residual value a lender sets is measured against transactions rather than against a forecast of what the next model year will do. Very little on this site enjoys all three at once, and none of it is priced anywhere near this car.

What is underneath is unchanged and worth restating, because it is why the model has lasted. The Premium is the standard-specification R35, with the hand-built 3.8-litre VR38DETT twin-turbo V6 carrying the plaque of the technician who assembled it, 562 bhp and 637 Nm through ATTESA E-TS all-wheel drive, a rear-mounted dual-clutch transaxle and Bilstein DampTronic damping. The R35 launched in 2007 and ran for the best part of two decades, carrying a bloodline that goes back through the R34 to the 1969 Skyline.

Which finance structure suits the Nissan GT-R Premium

Our answer on the GT-R Premium is Lease Purchase. Lease Purchase lets you set and carry £37,500 yourself rather than accept a guaranteed figure a lender has drawn from fifteen years of decline that has since stopped. Where the market holds, that difference stays with you, and it brings the commitment down to £837 in the meantime.

Hire Purchase at £1,490 is the better answer if you want the question closed. Nothing is deferred, the car is yours at the end, and on a model with a finite population and no replacement coming, outright ownership is a perfectly defensible place to finish. Personal Contract Purchase is also written on this car if you would rather the lender carried the residual risk.

If you came here looking for Nissan GT-R Premium 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 GT-R Premium: 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.

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. The Nissan GT-R Premium sits inside that position as a superseded series car working its way down toward its floor, which is where the value in the deal usually is.

Financing a used Nissan GT-R Premium

There is no other kind of GT-R Premium purchase now, so the used submission is the standard submission and we make it constantly. What a lender wants is continuity: servicing through an approved high performance centre or a recognised GT-R specialist, the transmission and driveline work recorded alongside it, a clean vehicle report with no outstanding credit registered, and an ownership chain that can be followed from the first registration to yours.

Because these cars span so many years, provenance is where the terms are won or lost. Two Premiums with identical mileage can be a decade apart in age and separated by whether one has a complete file. The car with the record funds on a longer term, at a better rate and with more equity in it from the first month, and that advantage compounds all the way to the point where you part exchange it.

Pre-owned cars price the same way with smaller numbers. A used GT-R Premium at £37,500, on the same 20% deposit and 8.9% rate, comes to £745 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.

Part exchange and settlement on a Nissan GT-R Premium

Three things can happen at the end of a Lease Purchase term on a Nissan GT-R Premium, and it is worth knowing which you are planning for. You settle the £37,500 balloon and keep the car, you refinance it over a further term, or you part exchange the GT-R Premium and take whatever sits above the balloon as equity toward the next one.

A GT-R Premium was never cheap to run, which is part of why so many come to market with imperfect histories. Servicing intervals on the R35 are short by modern standards, the transaxle fluid work is a specialist job, tyres are a performance fitment and fuel consumption reflects 562 bhp driving all four wheels. Set that budget alongside the monthly payment rather than after it.

Term length should follow the age of the specific car. On a later example a full 48 month agreement is comfortable. On an early R35 the same term finishes with a car close to twenty years old, and a lender prices the end of the agreement accordingly, so a shorter commitment often produces a better outcome despite the higher monthly payment. Better to set that expectation at the outset than meet it at settlement.

Part exchange is the route most owners take, and it is where the residual value does the most work. If the GT-R Premium 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 GT-R Premium.

Other Godzilla models we finance

The Nissan GT-R Premium sits at £75,000 in a range we finance end to end. Either side of it are the GT-R Nismo at £150,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.

The other Nissan cars we arrange finance deals on are the Nissan GT-R Nismo, each with its own page and payment table, because a lender does not price a range, it prices a car.