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Porsche Taycan Finance
2019-present
402 bhp to 1,092 bhp
Power
2.2s 0-62mph (Turbo GT)
Acceleration
190 mph (Turbo GT)
Top Speed
Finance from
£1,116 a month
Indicative, on Lease Purchase
List price
£86,500
Specified to £190,000
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Taycan finance from £1,116 a month
- £1,116
- Per month
- £17,300
- Deposit
- 402 bhp to 1,092 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
20% of £86,500
Single or Dual Permanent Magnet Synchronous Motors
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £86,500 list price at 8.9% nominal over 48 months.
A Taycan starts at £1,116 a month on Lease Purchase, from the £86,500 entry list price with £17,300 contributed and the balance spread across 48 months at 8.9% nominal. Personal Contract Purchase at £1,267, with £25,950 guaranteed by the lender, is the structure we put most Taycans on, because this is the one Porsche where a guaranteed figure genuinely earns its keep rather than simply being available.
Porsche Taycan 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 Taycan three ways, on a 20% deposit of £17,300 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 Taycan | Hire Purchase | £86,500 | £17,300 (20%) | 48 months | None | 8.9% | £1,719 |
| Porsche Taycan | Lease Purchase | £86,500 | £17,300 (20%) | 48 months | £34,600 (40%) | 8.9% | £1,116 |
| Porsche Taycan | Personal Contract Purchase | £86,500 | £17,300 (20%) | 48 months | £25,950 (30%) | 8.9% | £1,267 |
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 £1,719 and the only row with no final payment to plan for. Lease Purchase defers £34,600 to a final balloon, taking £603 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.
The Taycan is not one car but a family sold under a single name, and the finance conversation starts by establishing which one you mean. New list prices run from around £86,500 for the rear-drive saloon to roughly £190,000 for the Turbo GT, across three body shapes: the saloon, the raised Cross Turismo and the Sport Turismo estate. Output runs from 402 bhp to 1,092 bhp. Every one of them is straightforward to fund.
Electric performance cars have been the softest residual performers of the last decade and the Taycan has not escaped that, which sounds like bad news and is actually the reason to structure it properly. A lender willing to guarantee a future value is offering to carry that risk for you at a known price. On a car whose used market is still finding its shape, buying that guarantee is one of the few genuinely good deals available in car finance.
The technical case is strong and it bears directly on a four year view. The 800-volt architecture, the two-speed rear gearbox and DC charging up to 320 kW were ahead of the segment when the car launched in 2019, and the 2024 revision lifted battery capacity, charging speed and output across the range. A used Taycan is therefore not an obsolete piece of hardware, which is more than can be said for a great many early electric cars, and lenders have begun to price that distinction.
Calculate your Taycan 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 Taycan. Car finance on a £86,500 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 20% deposit over 48 months:
From
£1,161 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Porsche Taycan
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £1,719 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £1,116 | £34,600 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £1,267 | £25,950 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 Taycan is Personal Contract Purchase. PCP is the only structure that moves the residual risk on this car from you to the lender, and on the softest asset in the Porsche range that transfer is worth the step from £1,116 on Lease Purchase to £1,267.
Lease Purchase suits the buyer keeping the car well beyond the term, typically a company running a Taycan as a director's vehicle and intending to hold it. It defers £34,600 rather than guaranteeing it, which is perfectly sensible when the plan never involved handing the car back to anybody.
If you came here looking for Porsche Taycan 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 Taycan: 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 Taycan 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 Taycan
A commercial lender underwrites the Porsche Taycan as an asset before it underwrites you as a borrower. The engine is where that starts: a Single or Dual Permanent Magnet Synchronous Motors engine producing 402 bhp to 1,092 bhp, with 2.2s 0-62mph (Turbo GT) and 190 mph (Turbo GT), puts this car in a category a specialist lender recognises. A Taycan at £86,500 and specified to £190,000 is also not one asset with one value, and options rarely come back at what they cost.
| Taycan | |
|---|---|
| Engine | Single or Dual Permanent Magnet Synchronous Motors |
| Power | 402 bhp to 1,092 bhp |
| Torque | 410 Nm to 1,340 Nm |
| 0-62mph | 2.2s 0-62mph (Turbo GT) |
| Top speed | 190 mph (Turbo GT) |
| Transmission | 2-speed rear gearbox |
| Drivetrain | RWD or AWD |
| List price | £86,500 |
| Specified to | £190,000 |
| Production | 2019-present |
The high voltage battery is the specification detail a 48 month agreement lives or dies on. Porsche warrants the pack for a defined period and mileage from first registration, and a lender setting a future value wants the agreement to finish while that cover is still in place. That is the practical reason we default to 48 months on a Taycan rather than stretching the term to flatter the payment.
Body style moves the valuation here more than on any other Porsche. The saloon is the volume car, the Cross Turismo has a smaller but committed audience, and the Sport Turismo sits between them. A lender assessing how quickly a car would sell treats those three quite differently, and the specification sheet needs to say which one it is before anybody can quote properly.
Charging history has become a real underwriting input rather than a curiosity. A car that has spent its life on rapid DC chargers is treated differently from one charged mostly at home, because the pack ages differently. On a used Taycan, a state of health report from a Porsche Centre now does the job a compression test used to do on a combustion car.
Taycan features that bear on the valuation
- 800-volt architecture
- 2-speed rear gearbox
- Up to 320 kW DC charging
- Saloon, Cross Turismo, and Sport Turismo bodies
- Porsche Active Ride suspension optional
What a lender wants to see on a Taycan
- A current high voltage battery state of health report from a Porsche Centre
- Confirmation that the battery warranty transfers to the next keeper with time and mileage remaining
- Full Porsche service history including software and high voltage system inspections
- The original specification, showing body style, output and whether Performance Battery Plus was fitted
- Charging history where it is available, particularly the balance of rapid DC against home charging
Financing a used Porsche Taycan
Buying a pre-owned Taycan is the most effective single decision available on this model, and the difference is stark enough that we say so to almost everybody who asks. Early cars took the full weight of the market working out what an electric Porsche was worth, and the buyer arriving now inherits a car with the 800-volt hardware intact and that adjustment already made by somebody else.
What a lender wants on a used one is specific to the powertrain. Full Porsche service history, a current high voltage battery state of health report, confirmation that the warranty on the pack transfers with the car, and the original specification including which body and which output. Given those four things, a used Taycan is a straightforward case at 48 months.
Pre-owned cars price the same way with smaller numbers. A used Taycan at £34,500, on the same 20% deposit and 8.9% rate, comes to £686 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Porsche Taycan holds its value
The Taycan's market has moved further and faster than any other Porsche line. Early cars registered in 2020 and 2021 changed hands during 2023 and 2024 at prices a long way below what their first owners paid, in a period when the whole used electric market was resetting. That was not a Taycan problem specifically, it was the segment, and the segment has become considerably calmer since.
What happens next is genuinely uncertain and we would rather say that than pretend otherwise. Battery technology is still moving, charging infrastructure is still improving, and each of those changes the appeal of a four year old car. That uncertainty is exactly what a guaranteed future value exists for: it converts a question nobody can answer into a number the lender is contractually bound to.
The Taycan is the car in the Porsche range where a guaranteed future value stops being a convenience and becomes the entire point of the agreement.
Everything here about the Taycan 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 Taycan
Three things can happen at the end of a Lease Purchase term on a Porsche Taycan, and it is worth knowing which you are planning for. You settle the £34,600 balloon and keep the car, you refinance it over a further term, or you part exchange the Taycan and take whatever sits above the balloon as equity toward the next one.
Running a Taycan is cheap in the places a combustion Porsche is expensive and the reverse. There is no oil service, no clutch and no exhaust, and electricity at a domestic rate costs a fraction of what a 911 drinks. Against that, tyres wear quickly under the weight and the torque, insurance is at performance car levels, and the car is heavy enough that brakes and suspension components work hard for their living.
Term length is a battery question rather than a mechanical one. We set 48 months as standard so the agreement ends inside the manufacturer's high voltage cover, and where a buyer wants longer we would rather extend the warranty position alongside it. A Taycan out of battery cover with a balloon still to settle is the one scenario on this car worth engineering out at the start.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Taycan 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 Taycan.
How we arrange Porsche Taycan finance
Tell us about the car
Specification, mileage, history and where you are buying the Taycan. On a £86,500 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 £17,300 over 48 months is our starting point on the Taycan.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Taycan agreements complete inside a week, anywhere in the United Kingdom.
Other models from Stuttgart we finance
The Porsche Taycan sits at £86,500 in a range we finance end to end. Either side of it are the Cayenne at £72,000 and the Macan Electric Turbo at £96,000, 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 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 Taycan finance FAQs
From the £86,500 entry list price with £17,300 down and 48 months at 8.9% nominal, Lease Purchase is £1,116 a month with £34,600 deferred, PCP is £1,267 against a guaranteed £25,950, and Hire Purchase is £1,719 with nothing left to settle. A Turbo or Turbo GT specification carries a far larger balance, so put the actual car's price into the calculator rather than working from the entry figure.
Yes, and it is the structure we recommend more often on the Taycan than on any other Porsche. Commercial lenders will set a Guaranteed Minimum Future Value on one and stand behind it for 48 months, which moves the residual risk on an electric car off you and onto them. Given how far the used electric market has travelled since 2020, that transfer is the single most valuable thing in the agreement.
It did, and the effect has largely worked through. The revision lifted battery capacity, charging speed and output across the range, which immediately made the earlier cars look like the older technology they are. That repricing now sits behind a buyer rather than ahead of one, which is why a pre-facelift Taycan bought today is a more comfortable asset to finance than the same car was two years ago.
20%, or £17,300 against the £86,500 entry price, is where we start. The deposit does more work on this model than on a combustion Porsche because value falls faster in the early years, and a thin contribution leaves the agreement in negative equity for longer. Where the structure is a PCP, the guaranteed figure absorbs part of that, which is another reason the two work well together.
Yes, and we would encourage it. A three or four year old car has taken the adjustment the whole electric segment went through and still carries the 800-volt architecture and the two-speed gearbox that made the model interesting in the first place. Lenders need the battery state of health report, the warranty transfer position, full Porsche history and the original specification. With those, a used Taycan places easily at 48 months.
No, and it is the clearest no anywhere in the Porsche range. It is a series-built electric car in a segment where the technology is still moving, and it gives up value accordingly. That is not an argument against owning one, it is an argument for the right structure: a guaranteed future value turns a falling asset into a fixed monthly cost, which is what most buyers actually want from a car like this.
Porsche finance by structure
This page covers the Taycan. 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 Taycan?
Tell us about the car and we will come back with terms from the specialist lenders that write Porsche paper. From £1,116 a month on Lease Purchase.