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Porsche 911 Turbo Finance
2020-present
572 bhp
Power
2.7s 0-62mph
Acceleration
199 mph
Top Speed
Finance from
£1,637 a month
Indicative, on Lease Purchase
List price
£142,000
Specified to £190,000
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911 Turbo finance from £1,637 a month
- £1,637
- Per month
- £21,300
- Deposit
- 572 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
15% of £142,000
3.8L Flat-6 Twin-Turbo
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £142,000 list price at 8.9% nominal over 48 months.
A 911 Turbo is £1,637 a month on Lease Purchase, from a £142,000 list price, £21,300 deposit, 48 month term, 8.9% nominal. Personal Contract Purchase is £1,885 with £63,900 guaranteed by the lender, and it is the structure we recommend, because this is the Porsche that delivers hypercar acceleration and then takes you to work on Monday, and most owners cycle it rather than keep it.
Porsche 911 Turbo 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 911 Turbo three ways, on a 15% deposit of £21,300 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 911 Turbo | Hire Purchase | £142,000 | £21,300 (15%) | 48 months | None | 8.9% | £2,998 |
| Porsche 911 Turbo | Lease Purchase | £142,000 | £21,300 (15%) | 48 months | £78,100 (55%) | 8.9% | £1,637 |
| Porsche 911 Turbo | Personal Contract Purchase | £142,000 | £21,300 (15%) | 48 months | £63,900 (45%) | 8.9% | £1,885 |
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 £2,998 and the only row with no final payment to plan for. Lease Purchase defers £78,100 to a final balloon, taking £1,361 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.
Two point seven seconds to sixty two miles an hour and 199 miles an hour flat out puts the 911 Turbo among the fastest accelerating cars we finance, and it manages that with four driven wheels, usable rear seats, a boot and no drama at all. That combination is why the Turbo has always been the 911 people cover serious distance in. Mileage is normally the enemy of a future value. On this particular car it is not, because the used market expects it and prices for it.
The Porsche Traction Management system that has defined the Turbo since the 993 generation does something for the funding case as well as for the driving. A four-wheel-drive supercar is usable in Britain for twelve months of the year, which broadens the audience for a used one well beyond the people who buy summer cars. A lender setting a figure at 48 months is estimating how quickly a car would sell, and all weather usability is one of the few specification facts that reliably shortens that estimate.
The Turbo sits between the Carrera S and the Turbo S, and it is the version most people should buy and fewer people do. It carries the widebody, the same 3.8-litre twin-turbo flat-six architecture and the same all-wheel drive as the flagship, at £142,000 against the Turbo S at £165,000. On the used market that gap narrows, which cuts both ways: it makes a pre-owned Turbo excellent value, and it means a new one competes against a well specified used Turbo S.
Calculate your 911 Turbo 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 911 Turbo. Car finance on a £142,000 asset is priced on the car as much as on you.
Vehicle Config
mi
£
Lease Purchase
£
Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 15% deposit over 48 months:
From
£1,723 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Porsche 911 Turbo
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £2,998 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £1,637 | £78,100 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £1,885 | £63,900 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 15% deposit.
Our answer on the 911 Turbo is Personal Contract Purchase. The Turbo is the 911 owners cycle rather than keep, and PCP is built for that: £1,885 a month, a £63,900 guarantee the lender stands behind for 48 months, and a decision rather than a debt at the end of it.
Lease Purchase at £1,637 makes more sense where you are covering serious mileage. A guaranteed future value comes with an annual allowance attached and a Turbo used as intended will exceed it, whereas a deferred balloon of £78,100 carries no such condition and simply becomes a figure you settle or refinance.
If you came here looking for Porsche 911 Turbo 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 911 Turbo: 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 911 Turbo sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.
What a lender sees in the Porsche 911 Turbo
A commercial lender underwrites the Porsche 911 Turbo as an asset before it underwrites you as a borrower. The engine is where that starts: a 3.8L Flat-6 Twin-Turbo engine producing 572 bhp, with 2.7s 0-62mph and 199 mph, puts this car in a category a specialist lender recognises. A 911 Turbo at £142,000 and specified to £190,000 is also not one asset with one value, and options rarely come back at what they cost.
| 911 Turbo | |
|---|---|
| Engine | 3.8L Flat-6 Twin-Turbo |
| Power | 572 bhp |
| Torque | 750 Nm |
| 0-62mph | 2.7s 0-62mph |
| Top speed | 199 mph |
| Transmission | 8-speed PDK |
| Drivetrain | AWD |
| List price | £142,000 |
| Specified to | £190,000 |
| Production | 2020-present |
750 Nm through an all-wheel-drive system is hard on tyres and on the transmission, and a lender looking at 48 months is thinking about the second of those. The PDK in a Turbo is a robust unit with a long field record, so the underwriting question is service evidence rather than design. A car with the gearbox and differential services done on schedule prices differently from one where nobody can say when they were last touched.
The widebody shell is the detail buyers forget and valuers never do. Turbo bodywork panels are specific to the model and repairs are correspondingly expensive, so an accident marker here carries more weight than the same marker on a Carrera. Where a repair has been carried out properly by a Porsche approved bodyshop with invoices to match, lenders are comfortable. Where the record is vague, the deferred figure falls.
The Cabriolet is a meaningful proportion of Turbo sales and it prices differently. Convertibles in this country sell in a shorter season and to a smaller audience, and the roof mechanism is a maintenance item on a car of any age. It does not stop a case. It does move the figure a lender is willing to leave at the end, and it is far better to know that before you commit to a specification.
911 Turbo features that bear on the valuation
- 572 bhp twin-turbo flat-six
- Porsche Traction Management AWD
- PASM Sport adaptive damping
- Widebody design
- Available as Cabriolet
What a lender wants to see on a 911 Turbo
- Full Porsche service history including transmission and differential fluid services
- The order specification, confirming coupe or Cabriolet and the options fitted
- Tyre condition and brand consistency across all four corners
- A clear damage record, with any repair carried out and invoiced by an approved bodyshop
- A realistic annual mileage stated up front where the agreement is written as a PCP
Financing a used Porsche 911 Turbo
A used 992 Turbo is one of the more sensible ways to spend this sort of money, because the car is engineered to be driven and the market has already priced that in. Examples with 20,000 or 30,000 miles are normal rather than suspicious, and they sell at prices reflecting condition and history rather than a fixation with the odometer. That is unusual in this catalogue and it works squarely in the buyer's favour.
What a lender asks for is straightforward: continuous Porsche history including the transmission and differential services, a clear finance and damage record, and the original order specification. On a Turbo we would add tyres to that list. A set of four correct specification tyres is a real cost, and a car sitting on mismatched brands has been run to a budget, which tells a valuer something about everything else.
Pre-owned cars price the same way with smaller numbers. A used 911 Turbo at £78,000, on the same 15% deposit and 8.9% rate, comes to £1,647 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Porsche 911 Turbo holds its value
The Turbo has been the steadiest 911 through every generation since the 996, because it is bought by people who intend to use it and sold to people who intend to use it. There is no allocation story here and very little speculative buying, which means it saw almost none of the froth that lifted the GT cars and then settled again. The line has simply gone down gently and then flattened, generation after generation.
Where the Turbo surprises people is at the older end. Good 997 Turbos changed hands at what looked like ordinary used car money through the middle of the last decade and have firmed since, as the market worked out what they actually were. Nothing in that history says a new 992 Turbo will appreciate. It does say the floor under this model has historically sat higher than the price alone would suggest.
The 911 Turbo can do a track day on Saturday and a school run on Monday without either being a compromise. Lenders like cars that get used, provided the record proves how well.
Everything here about the 911 Turbo 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 911 Turbo
Three things can happen at the end of a Lease Purchase term on a Porsche 911 Turbo, and it is worth knowing which you are planning for. You settle the £78,100 balloon and keep the car, you refinance it over a further term, or you part exchange the 911 Turbo and take whatever sits above the balloon as equity toward the next one.
Running a Turbo is expensive in the ways you would expect and predictable in a way that helps a budget. Tyres are the big number, because 750 Nm through four driven wheels wears rubber quickly. Servicing follows the standard Porsche schedule, insurance is supercar money, and fuel consumption is exactly what a 3.8-litre twin-turbo flat-six implies when it is used. None of it is a surprise if it is written down at the start.
The Turbo tolerates a longer term better than most cars here, because it is mechanically robust and its market punishes neglect far more sharply than it punishes age. Where a buyer wants the payment lower than £1,885, extending the term is a more honest lever on this model than understating the annual mileage, and we would take the first over the second every time.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the 911 Turbo 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 911 Turbo.
How we arrange Porsche 911 Turbo finance
Tell us about the car
Specification, mileage, history and where you are buying the 911 Turbo. On a £142,000 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 15% deposit of £21,300 over 48 months is our starting point on the 911 Turbo.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most 911 Turbo agreements complete inside a week, anywhere in the United Kingdom.
Other models from Stuttgart we finance
The Porsche 911 Turbo sits at £142,000 in a range we finance end to end. Either side of it are the 911 Carrera S at £118,000 and the 911 GT3 at £145,000, 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 S, the Porsche 918 Spyder, the Porsche Taycan, the Porsche Taycan Turbo S, the Porsche Carrera GT, the Porsche 718 Cayman GT4 RS, 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 911 Turbo finance FAQs
On the £142,000 list price with £21,300 contributed and 48 months at 8.9% nominal, PCP is £1,885 a month with £63,900 guaranteed, Lease Purchase is £1,637 with £78,100 deferred, and Hire Purchase is £2,998 with the balance cleared in full. Total payable on Hire Purchase across the term, deposit included, comes to £165,199. Change the deposit or the term in the calculator to see how each of them moves.
Less than it hurts almost anything else we fund. The Turbo is bought to be driven and the used market prices condition and history above the odometer, so a well maintained car with real mileage sells readily. Where mileage does bite is on a PCP, because the guaranteed figure is written against an agreed annual allowance and exceeding it costs money at the end. Declare the real number, or use Lease Purchase, which carries no allowance at all.
Lease Purchase, yes, and it is the second most common structure we write on this car. Conventional contract hire, where you never take ownership, is not something specialist lenders offer at this value. Lease Purchase gives you the lower monthly figure of £1,637 while you hold title from the first payment, with £78,100 to settle, refinance or clear by selling the car at the end of 48 months.
£21,300, which is 15% of the £142,000 list price, is our working assumption and it is where most Turbo agreements are written. This is one of the cars where a strong company case can support a smaller contribution, because the asset itself does so much of the reassuring. A larger deposit lowers the payment and is worth considering where the car has been specified well above list.
It is a good car to own cheaply rather than an asset to hold. New Turbos depreciate, more gently than most cars at this price and unmistakably. The interesting part of the history sits further back: good 997 Turbos traded at ordinary used prices through the middle of the last decade and have firmed since. That says the floor is high, not that the car climbs, and we would not write an agreement that depends on it climbing.
It is a genuine question and the arithmetic often favours the used Turbo S. The two share architecture and all-wheel drive, and the price gap between them narrows on the used market faster than the performance gap does. Against that, a new Turbo brings full warranty, a clean history and a specification you chose yourself. We will quote both against the same deposit and term so you can compare the monthly figures directly.
Porsche finance by structure
This page covers the 911 Turbo. 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 911 Turbo?
Tell us about the car and we will come back with terms from the specialist lenders that write Porsche paper. From £1,637 a month on Lease Purchase.