Core structure
Porsche PCP Finance
Quoted fast on Macan, Cayenne, Taycan and 911, with a guaranteed final figure that genuinely lowers the monthly cost
Indicative monthly payment from
£1,637a month
Based on Porsche 911 Turbo at £142,000, arranged as Personal Contract Purchase at 8.9% nominal.
- Deposit
- £21,300
- Term
- 48
- Final payment
- £78,100
15%
months
55%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A Macan, a Taycan or a 911 Carrera on a fixed monthly payment, with the lender carrying whatever the car is worth at the end: that is what Porsche PCP delivers, and Stuttgart is the marque it works best on. Deposits start around 15 per cent, terms run to 48 months, and the guaranteed final figure keeps the monthly cost down.
We arrange Porsche PCP across 16 current and recent Porsche AG models, from the Macan at around £51,000 to the 918 Spyder at £1,500,000. 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 Porsche 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 Porsche, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Porsche PCP is set once a lender has seen both.
The table prices the Porsche 911 Turbo S, then the Panamera Turbo S E-Hybrid and Taycan Turbo S. 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 |
|---|---|---|---|---|---|---|
| Porsche 911 Turbo S | £165,000 | £24,750 (15%) | 48 months | £74,250 (45%) | 8.9% | £2,190 |
| Porsche Panamera Turbo S E-Hybrid | £161,000 | £24,150 (15%) | 48 months | £80,500 (50%) | 8.9% | £1,997 |
| Porsche Taycan Turbo S | £160,000 | £24,000 (15%) | 48 months | £72,000 (45%) | 8.9% | £2,124 |
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.
Porsche 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
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£
Personal Contract Purchase
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Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Stuttgart models we place on Porsche PCP
We arrange Porsche PCP across the Porsche AG 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 Porsche 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 Porsche 911 Carrera, the 911 Carrera S, 911 GT3, 911 Turbo, 911 Turbo S, Taycan, Taycan Turbo S, Cayenne, Cayenne Turbo GT, Macan, Macan Electric Turbo and Panamera Turbo S E-Hybrid suit Porsche PCP. The 911 GT3 RS, 918 Spyder, Carrera GT and 718 Cayman GT4 RS do not, for the residual reason set out further down. Prices below are list, and a pre-owned 911 Carrera is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| 911 Carrera | £102,000 | Yes | Forecastable residual, guaranteed figure available |
| 911 Carrera S | £118,000 | Yes | Forecastable residual, guaranteed figure available |
| 911 GT3 | £145,000 | Yes | Forecastable residual, guaranteed figure available |
| 911 GT3 RS | £185,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| 911 Turbo | £142,000 | Yes | Forecastable residual, guaranteed figure available |
| 911 Turbo S | £165,000 | Yes | Forecastable residual, guaranteed figure available |
| 918 Spyder | £1,500,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Taycan | £86,500 | Yes | Forecastable residual, guaranteed figure available |
| Taycan Turbo S | £160,000 | Yes | Forecastable residual, guaranteed figure available |
| Carrera GT | £1,200,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| 718 Cayman GT4 RS | £113,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Cayenne | £72,000 | Yes | Forecastable residual, guaranteed figure available |
| Cayenne Turbo GT | £158,000 | Yes | Forecastable residual, guaranteed figure available |
| Macan | £51,000 | Yes | Forecastable residual, guaranteed figure available |
| Macan Electric Turbo | £96,000 | Yes | Forecastable residual, guaranteed figure available |
| Panamera Turbo S E-Hybrid | £161,000 | Yes | Forecastable residual, guaranteed figure available |
Porsche
911 Turbo S Finance
From £165,000650 bhp
Porsche
Panamera Turbo S E-Hybrid Finance
From £161,000771 bhp
Porsche
Taycan Turbo S Finance
From £160,000761 bhp
Porsche
Cayenne Turbo GT Finance
From £158,000650 bhp
Porsche
911 GT3 Finance
From £145,000510 bhp
Porsche
911 Turbo Finance
From £142,000572 bhp
Each card opens the model page, where you can model Porsche PCP financing against that specific vehicle.
Porsche PCP deposit, term and balloon
Porsche PCP is built from three numbers. A deposit, typically 15% on a Porsche AG 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 Porsche 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 Porsche sits inside the wider sports car finance, classic car finance and prestige car finance market we work across.
Our specialists place Porsche PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 15% 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 Porsche 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.
- £80,000 to £1,500,000
- Porsche deal range
- 12 of 16
- Models suited to PCP
- 15%
- Typical deposit
- 48 months
- Typical term
Arranged from £25,000 upwards
On current residual behaviour
Moves with the car and your position
Indicative rates from 8.9% nominal
Why arrange Porsche finance with a specialist broker
Porsche 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 Porsche PCP goes to the lenders on our panel that genuinely write against Porsche AG cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Porsche finance figure on this page is computed from a real list price in our catalogue, from the Macan up to the 918 Spyder, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing a Porsche AG car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Porsche car finance, sports car finance, classic car finance and prestige car finance, or simply a monthly payment on a Macan, 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 Porsche that a dealer finance desk does not
- Place Porsche PCP across a panel rather than with one lender, so a decline on a Porsche starts the conversation rather than ending it
- Price new, pre-owned and classic Porsche cars on the same panel, including a Macan bought privately or a 918 Spyder bought at auction
- Structure around Porsche AG 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 Porsche better, even where it is the one we place less often
How Porsche AG residuals set the guaranteed future value
The Macan, the Cayenne and the Taycan depreciate the way prestige cars are supposed to. They sell in volume, they have transparent used pricing, and a lender can set a guaranteed future value on one without much argument. The Taycan is the softest of the three, as early electric performance cars generally have been, which is precisely the circumstance in which a guaranteed figure is worth having.
The 911 sits in the middle and misbehaves in a useful direction. A Carrera follows a conventional curve. A GT3, a GT3 RS or a 718 Cayman GT4 RS does not, because supply is set by allocation rather than demand and the cars have repeatedly traded above list while still new. Lenders have learned this and will set stronger figures on the GT cars than the volume equivalents would suggest.
The Carrera GT and the 918 Spyder are in a third category entirely. Both bottomed out years ago and have appreciated since, and both are now refinance assets rather than purchase assets for most of the people who ask us about them.
Porsche is the one marque here where every one of the four structures genuinely works, because Stuttgart produces both the most forecastable and the most appreciating cars in this catalogue.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Carrera GT, 918 Spyder, 911 GT3 RS, 718 Cayman GT4 RS | 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 | Taycan, Macan, Cayenne, Panamera Turbo S E-Hybrid | 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 £25,000-plus vehicle agreement and no credit broker can guarantee it. Lender posture on Porsche: Readily available across Macan, Cayenne, Taycan and Carrera, stronger than expected on GT cars, declined on Carrera GT and 918 Spyder.
Porsche PCP against the other three structures
The four finance options are not interchangeable on a Porsche, 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 Porsche you already hold.
You are here
Porsche Personal Contract Purchase
Core structurePorsche is the marque PCP was designed around, and it is the one place on this site where the product works as advertised across almost the whole range.
- Core structure
Porsche Hire Purchase
Hire purchase is a core structure at Porsche and the one to reach for whenever the car will be driven properly or kept, because nothing about your mileage, your specification or your intentions is anybody's business at the end of the term.
- Works, with a caveat
Porsche Lease Purchase
Lease purchase beats PCP on the allocation-controlled GT cars and loses to it everywhere else in the Porsche range, which makes this the clearest split-decision marque on the site.
- Core structure
Porsche Equity Release
Porsche is a genuinely strong equity release marque, because Stuttgart's appreciating cars, the Carrera GT and the 918 Spyder above all, are usually owned outright and worth multiples of what they cost.
Ratings are our own view of how each structure behaves on Porsche, based on the residual evidence above rather than on which product is easiest to place.
Where PCP stops working on a Stuttgart car
Stuttgart produces exactly what a guaranteed-value product needs: volume, transparent used pricing, and enough transactions every month that a lender can set a future value without hedging. A Macan, a Cayenne, a Taycan or a Carrera can all be quoted quickly and competitively, and the guaranteed figures are strong enough that the monthly payment is genuinely lower than the alternatives rather than nominally lower.
The Taycan deserves a specific mention because it is the softest residual performer in the range and therefore the best case for the product. Early electric performance cars have depreciated faster than their combustion equivalents, and a guaranteed figure agreed at the start of a 48-month term transfers that risk to the lender. That is worth real money and it is the clearest example on this site of PCP doing the job it exists to do.
The GT cars complicate it in an unusual direction. A 911 GT3 RS or a 718 Cayman GT4 RS is allocation-controlled and has repeatedly traded above list while still new, so a guaranteed figure, however strong, may sit below what the car is actually worth. That is not a reason to avoid PCP, but it is a reason to compare it against lease purchase before deciding. The Carrera GT and the 918 Spyder are outside the product entirely.
Related Reading
Porsche PCP finance FAQs
Porsche 911 Turbo at £142,000 works out at roughly £1,637 a month on Personal Contract Purchase, with £21,300 down at 15% and a 48 month term at 8.9% indicative nominal, leaving £78,100 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.
It is the strongest argument for the product anywhere on this site. The Taycan has depreciated faster than the combustion cars around it, and a guaranteed minimum future value fixes your exposure at the outset. If the market falls further than the lender expected, that is the lender's problem rather than yours.
Compare both before deciding. The GT3 RS has traded above list while new, so the guaranteed figure a lender sets may be below the car's real value at the end of the term. If you expect to keep or sell the car yourself, lease purchase lets you set a higher final payment and keep the upside. If you want the option to walk away, PCP still holds.
Yes, and it is common. We arrange these as unregulated commercial agreements above £25,000, which is why a Macan Electric Turbo or a well specified Macan qualifies and a base petrol car may not. Speak to your accountant about the benefit-in-kind position before you decide between company and personal ownership, because it moves the answer more than the finance cost does.
The manufacturer product is a regulated consumer agreement built around one lender's residual model. We arrange unregulated commercial agreements above £25,000 across a panel, which means we can shop the guaranteed figure and the rate rather than accept a single view of them. On a Cayenne or a Macan the two are often close. On a GT car they frequently are not.