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Porsche 718 Cayman GT4 RS Finance
2022-present
493 bhp
Power
3.4s 0-62mph
Acceleration
196 mph
Top Speed
Finance from
£966 a month
Indicative, on Lease Purchase
List price
£113,000
Specified to £165,000
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718 Cayman GT4 RS finance from £966 a month
- £966
- Per month
- £22,600
- Deposit
- 493 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
20% of £113,000
4.0L Flat-6 Naturally Aspirated
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £113,000 list price at 8.9% nominal over 48 months.
A 718 Cayman GT4 RS is £966 a month on Lease Purchase, based on £113,000, a £22,600 contribution and 8.9% nominal over 48 months. Hire Purchase, at £2,245, is the structure we recommend, because this is the last mid-engined combustion car Porsche will build in this line and the people who buy them tend not to give them back.
Porsche 718 Cayman GT4 RS 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 Porsche 718 Cayman GT4 RS three ways, on a 20% deposit of £22,600 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.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Porsche 718 Cayman GT4 RS | Hire Purchase | £113,000 | £22,600 (20%) | 48 months | None | 8.9% | £2,245 |
| Porsche 718 Cayman GT4 RS | Lease Purchase | £113,000 | £22,600 (20%) | 48 months | £73,450 (65%) | 8.9% | £966 |
| Porsche 718 Cayman GT4 RS | Personal Contract Purchase | £113,000 | £22,600 (20%) | 48 months | £62,150 (55%) | 8.9% | £1,163 |
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.
Hire Purchase amortises the whole balance, which is why it is the highest payment at £2,245 and the only row with no final payment to plan for. Lease Purchase defers £73,450 to a final balloon, taking £1,280 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.
Porsche put the 911 GT3 engine in the middle of a Cayman. That sentence is the whole car: a 4.0-litre naturally aspirated flat-six spinning to 9,000 rpm, a single mass flywheel taken straight from the GT3, an intake system that sits directly behind your head, and a swan neck wing on a chassis costing a good deal less than the car it borrowed from. It is one of the most focused things built at Weissach in twenty years.
The finance consequence is the part people miss. The 718 line is scheduled to be replaced by a battery electric successor, which makes the GT4 RS the final and most extreme expression of a mid-engined combustion Porsche. A lender is not lending against a car with a faster replacement arriving in two years. It is lending against a finite thing, and finite things behave differently at the end of a term.
At £113,000 the GT4 RS undercuts a 911 GT3 by a meaningful margin while running the same engine, and build slots were allocated rather than simply sold. Both facts point the same way. The used market has consistently treated the car as worth more than its list price implied, and lenders on our panel now set figures on it that would look generous applied to anything else at this money.
Calculate your 718 Cayman GT4 RS finance
The finance calculator below runs the same arithmetic as the tables above. Change the deposit, the term or the amount deferred and the monthly payment moves with it, so you can model the agreement you actually want on a 718 Cayman GT4 RS. Car finance on a £113,000 asset is priced on the car as much as on you.
Vehicle Config
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Lease Purchase
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Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£1,035 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Porsche 718 Cayman GT4 RS
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £2,245 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £966 | £73,450 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £1,163 | £62,150 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 8.9% over 48 months on a 20% deposit.
Our answer on the 718 Cayman GT4 RS is Hire Purchase. Hire Purchase runs the whole £113,000 down to nothing across 48 months at £2,245, and on the last combustion mid-engined Porsche, bought by owners who waited for an allocation, finishing the term with the car in your name is usually what was intended from the start.
Lease Purchase brings the monthly down to £966 by deferring £73,450 to the end, which suits a buyer who wants the car now and expects to settle or refinance that figure from another source later on.
If you came here looking for Porsche 718 Cayman GT4 RS 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 718 Cayman GT4 RS: 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.
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. The Porsche 718 Cayman GT4 RS sits inside that position as the range flagship, sold on allocation and with a used market too thin for a lender to lean on.
What a lender sees in the Porsche 718 Cayman GT4 RS
A commercial lender underwrites the Porsche 718 Cayman GT4 RS as an asset before it underwrites you as a borrower. The engine is where that starts: a 4.0L Flat-6 Naturally Aspirated engine producing 493 bhp, with 3.4s 0-62mph and 196 mph, puts this car in a category a specialist lender recognises. A 718 Cayman GT4 RS at £113,000 and specified to £165,000 is also not one asset with one value, and options rarely come back at what they cost.
| 718 Cayman GT4 RS | |
|---|---|
| Engine | 4.0L Flat-6 Naturally Aspirated |
| Power | 493 bhp |
| Torque | 450 Nm |
| 0-62mph | 3.4s 0-62mph |
| Top speed | 196 mph |
| Transmission | 7-speed PDK |
| Drivetrain | RWD |
| List price | £113,000 |
| Specified to | £165,000 |
| Production | 2022-present |
A 9,000 rpm limit and a single mass flywheel mean this engine is built for use and audibly unhappy about neglect. A lender assessing a used GT4 RS at 48 months cares about the service intervals being honoured on time rather than about the odometer being low. Cars that have sat unused with unrecorded maintenance are the ones that value poorly when the term ends.
PDK is the only transmission offered, which removes the variable dominating GT3 valuations and leaves specification and colour to do the work. The Weissach package, with its carbon bonnet, carbon roll cage and magnesium wheel option, is the single largest difference between two otherwise identical cars, and a lender needs the build sheet in order to price it.
Track use is common on this model and it is not a problem provided it is documented. What concerns a lender is undisclosed use: bodywork repaired outside the approved network, a cage or harnesses fitted aftermarket, or a car returned from a circuit with a service schedule that no longer matches the mileage. Declared and maintained, a track driven GT4 RS funds entirely normally.
718 Cayman GT4 RS features that bear on the valuation
- 9,000 rpm flat-six
- Mid-engine layout
- Weissach Package available
- Aerokit and swan-neck wing
- Single Mass Flywheel from 911 GT3
What a lender wants to see on a 718 Cayman GT4 RS
- The original build sheet, confirming Weissach package and any magnesium wheel option
- Porsche main dealer servicing with the GT engine intervals met on time
- A declared track history with the maintenance carried out around it
- Confirmation that any cage, harness or seat is factory specification rather than retrofitted
- Tyre and brake condition, and clear evidence of any bodywork repair
Financing a used Porsche 718 Cayman GT4 RS
Pre-owned GT4 RS cars are traded rather than advertised. Supply is limited, buyers know the model in detail, and the difference between a Weissach car in a wanted colour and a standard car in a common one is significant. That informed market is exactly what a lender likes, because it means the car can be sold quickly at a price somebody else has already established.
The documents that matter are the build sheet, the Porsche service record, an honest track history and clear evidence that nothing has been retrofitted outside the factory catalogue. On a car this focused, a lender is really asking a single question: has this been looked after by somebody who understood it. The file answers that question or it does not.
Pre-owned cars price the same way with smaller numbers. A used 718 Cayman GT4 RS at £73,500, on the same 20% deposit and 8.9% rate, comes to £1,460 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Porsche 718 Cayman GT4 RS holds its value
Porsche GT department cars from the 718 line have followed the 911 GT pattern rather than the ordinary Cayman one. The earlier GT4 established that these cars did not fall the way a standard 718 did, and the GT4 RS arrived in 2022 into a market that had already learned the lesson. Cars sold on through 2023 and 2024 generally did so at prices their owners were entirely comfortable with.
The end of the combustion 718 line is the argument people reach for and it should be handled carefully. Being the last of something has supported values in the past, and it has also been anticipated so thoroughly that the premium arrives before the car is finished rather than afterwards. We would structure a GT4 RS agreement on the basis that it holds unusually well, not on the basis that it climbs.
The GT4 RS is a 911 GT3 engine in a smaller, cheaper car that Porsche will not build again. Lenders have noticed, and it shows in what they will defer.
Everything here about the 718 Cayman GT4 RS market is commentary on transactions that already happened, not a valuation and not a forecast. The residual value in your agreement is the lender's figure, set on the specific Porsche you are buying.
Part exchange and settlement on a Porsche 718 Cayman GT4 RS
Three things can happen at the end of a Lease Purchase term on a Porsche 718 Cayman GT4 RS, and it is worth knowing which you are planning for. You settle the £73,450 balloon and keep the car, you refinance it over a further term, or you part exchange the 718 Cayman GT4 RS and take whatever sits above the balloon as equity toward the next one.
Consumables dominate the running costs. Cup 2 tyres on a car this focused do not last, the brakes work hard, and the GT engine service schedule is more demanding than a standard 718's. Against that, the car is smaller and lighter than a 911 GT3 and the bills reflect it. Owners who take it on circuit should budget for that use separately rather than assuming it disappears into the servicing.
The term we default to is 48 months and it suits the way these cars are owned. Longer is available and the payment falls, but a GT4 RS is bought for a specific reason, and a five year commitment to a focused two-seater deserves more thought than the monthly saving usually receives.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the 718 Cayman GT4 RS 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 718 Cayman GT4 RS.
How we arrange Porsche 718 Cayman GT4 RS finance
Tell us about the car
Specification, mileage, history and where you are buying the 718 Cayman GT4 RS. On a £113,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Porsche paper, and those that do price it differently. As an independent credit broker we place the deal across a panel.
We structure the agreement
Deposit, term and the deferred amount. A 20% deposit of £22,600 over 48 months is our starting point on the 718 Cayman GT4 RS.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most 718 Cayman GT4 RS agreements complete inside a week, anywhere in the United Kingdom.
Other models from Stuttgart we finance
The Porsche 718 Cayman GT4 RS sits at £113,000 in a range we finance end to end. Either side of it are the 911 Carrera at £102,000 and the 911 Carrera S at £118,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other Porsche cars we arrange finance deals on are the Porsche 911 Carrera, the Porsche 911 Carrera S, the Porsche 911 GT3, the Porsche 911 GT3 RS, the Porsche 911 Turbo, the Porsche 911 Turbo S, the Porsche 918 Spyder, the Porsche Taycan, the Porsche Taycan Turbo S, the Porsche Carrera GT, the Porsche Cayenne, the Porsche Cayenne Turbo GT, the Porsche Macan, the Porsche Macan Electric Turbo and the Porsche Panamera Turbo S E-Hybrid, each with its own page and payment table, because a lender does not price a range, it prices a car.
Porsche 718 Cayman GT4 RS finance FAQs
From the £113,000 list price with £22,600 down and 48 months at 8.9% nominal, Hire Purchase is £2,245 a month with nothing left at the end, Lease Purchase is £966 with £73,450 deferred, and PCP is £1,163 against a £62,150 guarantee. Cars rarely change hands at list, so the useful figure comes from putting the actual agreed price into the calculator on this page.
It is the most interesting question on this car and the honest answer is that the market has been pricing it in for some time. A battery electric 718 makes the GT4 RS the last naturally aspirated mid-engined Porsche, which supports its position, but that expectation is already reflected in what cars trade for rather than waiting to be discovered. Structure the agreement so it works if the car simply holds, and treat anything beyond that as a bonus.
Yes, and most of the agreements we arrange on this model are pre-owned cars, because allocation limited how many people could buy new. Lenders are comfortable with the asset given a complete Porsche service record, the original build sheet, an honest track declaration and a clear finance and damage history. Terms to 48 months are standard, and the deferred figures available are strong for a car at this price.
20% of the £113,000 list, which is £22,600, is the working figure. Where a car is bought above list to secure a Weissach specification, the deposit needs to cover the distance between the price agreed and the amount a lender will advance, so expect it to be larger on that kind of purchase. A larger contribution also widens the number of lenders willing to quote.
It has one of the better records in the current Porsche range and that is as far as we will go. GT department cars have consistently held better than the series models, and the GT4 RS combines a limited allocation with an engine and a layout Porsche will not repeat. We fund them on the basis that ownership should cost less than a comparable series car over four years, which is a real benefit and not the same as a return.
No, and the difference between them is smaller than the price gap suggests. Both are GT department cars sharing the same 4.0-litre engine, both were allocated rather than simply sold, and lenders treat them as siblings. The GT3 has the deeper used market and the longer history, which shows up as a marginally quicker case. The GT4 RS costs less to buy, so the balance financed is smaller and the monthly figure follows it down.
Porsche finance by structure
This page covers the 718 Cayman GT4 RS. For how each structure behaves across the Stuttgart range, including the models we place on it and the ones we do not, the four pages below go a level up.
Ready to finance a Porsche 718 Cayman GT4 RS?
Tell us about the car and we will come back with terms from the specialist lenders that write Porsche paper. From £966 a month on Lease Purchase.