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Porsche 918 Spyder Finance
2013-2015
887 bhp
Power
2.5s 0-62mph
Acceleration
214 mph
Top Speed
Finance from
£12,069 a month
Indicative, on Lease Purchase
List price
£1,500,000
Specified to £2,500,000
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918 Spyder finance from £12,069 a month
- £12,069
- Per month
- £225,000
- Deposit
- 887 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
15% of £1,500,000
4.6L V8 Hybrid
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £1,500,000 list price at 8.9% nominal over 48 months.
Hire Purchase on a 918 Spyder is £31,668 a month, against the £1,500,000 we use as a reference, £225,000 up front, 48 months, 8.9% nominal, ending with the car owned outright and nothing to settle. Lease Purchase is £12,069, which looks remarkable until you see the £1,125,000 deferred behind it. On a collector hypercar the structure question is really a question about what you intend to do at the end.
Porsche 918 Spyder finance deals and what they cost
Hypercar 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 918 Spyder three ways, on a 15% deposit of £225,000 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.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Porsche 918 Spyder | Hire Purchase | £1,500,000 | £225,000 (15%) | 48 months | None | 8.9% | £31,668 |
| Porsche 918 Spyder | Lease Purchase | £1,500,000 | £225,000 (15%) | 48 months | £1,125,000 (75%) | 8.9% | £12,069 |
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 £31,668 and the only row with no final payment to plan for. Lease Purchase defers £1,125,000 to a final balloon, taking £19,599 a month off. There is no Personal Contract Purchase row, and its absence is the useful information: readily available across Macan, Cayenne, Taycan and Carrera, stronger than expected on GT cars, declined on Carrera GT and 918 Spyder.
Porsche built 918 cars between 2013 and 2015, each with a 4.6-litre naturally aspirated V8 revving beyond 9,000 rpm and two electric motors for a combined 887 bhp, driving all four wheels through a seven-speed PDK. It arrived alongside the LaFerrari and the McLaren P1, and it was the one that proved a plug-in hybrid system could make a car better rather than merely cleaner.
A lender does not underwrite a 918 Spyder the way it underwrites a car. It underwrites a collateral asset with a known population, a documented ownership history and an observable auction and specialist market behind it. No guaranteed future value is offered and none is wanted, because guaranteeing a figure on a car the market has been bidding up would serve nobody. What is on offer instead is lending at a sensible proportion of an independently established value.
Specification carries real weight here. The Weissach package saved weight through magnesium wheels and additional carbon and brought the historic liveries with it, and cars fitted with it have consistently been sought ahead of standard examples. Colour, interior trim and the acoustic package all move a 918 in a market of a few hundred realistic buyers worldwide, and a lender will ask for the original build documentation before it commits to anything.
Calculate your 918 Spyder 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 918 Spyder. Car finance on a £1,500,000 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 15% deposit over 48 months:
From
£13,078 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Porsche 918 Spyder
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £31,668 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £12,069 | £1,125,000 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | Not written | No GMFV set | Not applicable | A lender will not guarantee a future value on this car |
Computed at 8.9% over 48 months on a 15% deposit.
Our answer on the 918 Spyder is Hire Purchase. Hire Purchase clears the entire £1,500,000 across 48 months at £31,668 and leaves you owning the car outright, which on an asset the market has treated as appreciating is the outcome most buyers were after in the first place.
Equity release is the structure for an owner rather than a buyer, advancing capital against a 918 already held while the car stays exactly where it is. It is the most common request we receive on this model, and lenders will consider substantial sums against a documented car with clear title behind it.
If you came here looking for Porsche 918 Spyder 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 918 Spyder: 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 918 Spyder sits inside that position as a limited-build car whose market has already decided it is worth keeping.
What a lender sees in the Porsche 918 Spyder
A commercial lender underwrites the Porsche 918 Spyder as an asset before it underwrites you as a borrower. The engine is where that starts: a 4.6L V8 Hybrid engine producing 887 bhp, with 2.5s 0-62mph and 214 mph, puts this car in a category a specialist lender recognises. A 918 Spyder at £1,500,000 and specified to £2,500,000 is also not one asset with one value, and options rarely come back at what they cost.
| 918 Spyder | |
|---|---|
| Engine | 4.6L V8 Hybrid |
| Power | 887 bhp |
| Torque | 800 Nm |
| 0-62mph | 2.5s 0-62mph |
| Top speed | 214 mph |
| Transmission | 7-speed PDK |
| Drivetrain | AWD |
| List price | £1,500,000 |
| Specified to | £2,500,000 |
| Production | 2013-2015 |
The high voltage battery is the one genuine long term question on a 918, and it is a solved problem rather than an open one. Porsche has a documented service and replacement position for the pack, and the practical consequence for a lender is that it wants the hybrid system inspections visible in the record. A car with an unbroken history of them is a materially easier case than one without.
918 units built worldwide means every car is traceable and every gap in a history is visible. Chassis number, ownership chain, mileage consistency, storage periods and any accident record are all checkable, and lenders in this market underwrite the individual example rather than the model line. The file does more work here than on anything else Porsche has ever built.
The V8 revs beyond 9,000 rpm and the car is complex enough that specialist attention is not optional. Where a 918 has been maintained by a Porsche Centre or a recognised specialist with genuine hybrid competence, the case is straightforward. Where maintenance has been carried out elsewhere or deferred during a period of storage, the lender will want an independent inspection before it advances anything at all.
918 Spyder features that bear on the valuation
- V8 plus two motors
- All-wheel drive
- Weissach package option
- Top-exit exhausts
- Plug-in hybrid
What a lender wants to see on a 918 Spyder
- The original build documentation, confirming whether the Weissach package was specified
- An unbroken ownership chain, with mileage consistent across the entire record
- Hybrid system and high voltage battery inspections carried out on schedule
- An independent specialist inspection and valuation rather than a published trade figure
- An agreed value insurance policy matching the registered keeper and the finance agreement
Financing a used Porsche 918 Spyder
Every 918 transaction is a pre-owned transaction and most take place privately or through specialists. Cars are marketed discreetly, prices are negotiated against condition and provenance, and the spread between an exceptional example and an ordinary one is wide enough to matter a great deal. Finance follows that pattern, so we take an independent valuation and an inspection to the lender rather than relying on published figures.
Mileage is treated differently here than almost anywhere else. A 918 that has been driven and serviced is usually a better proposition than one stored for a decade, because hybrid systems, fluids and seals all suffer from standing. Buyers who chase the lowest odometer reading sometimes buy the car with the largest recommissioning bill attached to it, and lenders have started to notice that pattern.
Pre-owned cars price the same way with smaller numbers. A used 918 Spyder at £1,125,000, on the same 15% deposit and 8.9% rate, comes to £23,751 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Porsche 918 Spyder holds its value
The 918 followed a shape that has become familiar for hypercars of its era. Cars changed hands below their original list prices in the years immediately after production ended, as the first wave of owners moved on, and they have climbed since as the market recognised what the Holy Trinity represented. Weissach cars have consistently commanded a premium over standard examples through those trades.
The reason to be careful with that history is that it describes what has happened rather than what will. A 918 is a hybrid with a complex battery and a finite population, and the collector market's appetite for early hybrid hypercars is still forming. We structure agreements on this car so that they work if the value simply holds, and we do not write terms that depend on it continuing to rise.
The 918 made the hybrid case to people who did not want to hear it. A decade later the lenders have come round too, and they underwrite it as an asset rather than as a car.
Everything here about the 918 Spyder 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 918 Spyder
Three things can happen at the end of a Lease Purchase term on a Porsche 918 Spyder, and it is worth knowing which you are planning for. You settle the £1,125,000 balloon and keep the car, you refinance it over a further term, or you part exchange the 918 Spyder and take whatever sits above the balloon as equity toward the next one.
Running a 918 is a specialist exercise and the costs reflect it. Servicing requires a facility with real hybrid competence, tyres come in a size that is not commonly stocked, the battery carries its own maintenance position, and storage and agreed value insurance are meaningful annual figures in their own right. Owners generally cover low mileage, which brings recommissioning costs rather than avoiding them.
Term length on a collector car is a capital decision rather than an affordability one. We work to 48 months on a purchase, and shorter terms are common on equity release where the capital is being deployed for a defined period. A longer term simply increases the total interest paid against an asset that is not depreciating, which is rarely the point of the exercise.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the 918 Spyder 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 918 Spyder.
How we arrange Porsche 918 Spyder finance
Tell us about the car
Specification, mileage, history and where you are buying the 918 Spyder. On a £1,500,000 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 £225,000 over 48 months is our starting point on the 918 Spyder.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most 918 Spyder agreements complete inside a week, anywhere in the United Kingdom.
Other models from Stuttgart we finance
The Porsche 918 Spyder sits at £1,500,000 in a range we finance end to end. Either side of it are the Carrera GT at £1,200,000, 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 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 918 Spyder finance FAQs
Using the £1,500,000 reference figure with £225,000 down over 48 months at 8.9% nominal, Hire Purchase is £31,668 a month and clears the balance in full, while Lease Purchase is £12,069 with £1,125,000 deferred into a single payment at the end. Total payable on Hire Purchase including the deposit is £1,745,060. Every real 918 transaction is priced individually, so treat these as arithmetic rather than as a quotation.
No, and no lender in this market will offer one. A Guaranteed Minimum Future Value is a lender committing to a buy back price, and none will commit to a number on a car with 918 examples in existence whose market has been rising. Hire Purchase and equity release are the structures written on this model, and both are available at meaningful sums through the commercial lending panel we work with.
It is the question we are asked most often on this car. Porsche has a documented service and, where necessary, replacement position for the high voltage pack, so it is a maintenance item with a known cost rather than an unquantified risk. What a lender wants is evidence that the hybrid system inspections have been carried out on schedule. A car with that record in place funds on the same terms as one with a far simpler powertrain.
15% is our working assumption, which is £225,000 against the £1,500,000 reference figure, though on a collector asset the real driver is loan to value against an independently established valuation rather than a percentage of any list price. Lenders want genuine equity behind them from the outset. Where the car is exceptional and the inspection is clean, there is room to negotiate the proportion.
It has behaved like an appreciating asset and we still will not call it one. Cars traded below their original list prices in the years just after production ended and have climbed since, with Weissach examples ahead of standard cars throughout. What we will say is that the finance logic changes completely when an asset is not expected to fall, and that is why hire purchase and equity release replace the structures used across the rest of the range.
Yes, and it is one of the more common reasons owners of this car come to us. An equity release agreement advances funds against a vehicle held outright, the car stays in your possession, and the balance is repaid across an agreed term. Lenders need proof of clear title, an independent valuation, an inspection and agreed value insurance. The sums involved sit with the commercial lending panel rather than with any consumer product.
Porsche finance by structure
This page covers the 918 Spyder. 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 918 Spyder?
Tell us about the car and we will come back with terms from the commercial lenders that write Porsche paper. From £12,069 a month on Lease Purchase.