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Hypercar Finance is an independent credit broker. We arrange car equity release from £25,000 as business-purpose commercial car finance, alongside the three purchase finance options: hire purchase, lease purchase and personal contract purchase. Hypercar Finance is not authorised or regulated by the Financial Conduct Authority.
This is secured lending against a vehicle, not the property product that dominates the phrase elsewhere. Indicative interest runs 6.9 to 12.9 per cent, the car finance calculator works out your monthly payment, and the car equity release FAQs answer the rest.
- £25,000
- Minimum deal size
- 50% to 70%
- Advance against market value
- 24 to 60
- Term in months
- 6.9% to 12.9%
- Indicative rate band
Business-purpose commercial car finance.
The strongest loan to value goes to liquid cars.
Usually fully amortising, with a balloon available.
A lower loan to value buys a finer rate.
The car stays with you throughout. Indicative only and subject to underwriting.
Can I release equity from my car?
Yes, if you own it and it is worth £25,000 or more. Releasing equity converts value you already hold into cash without a sale: the lender values the vehicle, advances 50 to 70 per cent of that market value, settles anything registered against it and pays the balance to you. You then repay the loan across an agreed term, and title returns when it clears.
The mechanics are the same whether the vehicle is owned outright or part-financed. With nothing outstanding, the full advance is capital released. Where an agreement is registered, the advance clears it first and only the surplus reaches you, which is why we ask for a redemption figure first.
Several phrases describe this transaction: car equity release, a car equity loan, releasing equity from a car, a car refinance or a supercar refinance. One thing it is not: the equity release Martin Lewis is asked about is a lifetime mortgage on a home, a regulated product with nothing to do with a vehicle.
How much does it cost to release equity?
The cost is the interest across the term plus any lender fee, and nothing else. Interest runs 6.9 to 12.9 per cent depending on the loan to value, the car and the deal size. Releasing equity at 50 per cent of market value prices better than at 70 per cent, because the lender's exposure is smaller.
The monthly payment is fixed and usually fully amortising over 24 to 60 months, so the balance falls steadily. Where a client wants the monthly payment lower, several lenders will write a balloon into the agreement as a lease purchase does. One of the benefits of releasing equity this way is that nothing is left to argue about at the end.
Work the monthly payments out on the finance calculator
Work the sum released, the term and the rate through the car finance calculator and it returns the monthly payment. That is the quickest way to consider whether releasing equity is worth doing before anyone takes a valuation, and the worked car finance examples below run the same process.
| Vehicle | Structure | Price | Deposit | Term | Rate | Monthly |
|---|---|---|---|---|---|---|
| Porsche 911 Turbo S, released against value | Equity Release | £95,000 | £0 (0%) | 48 months | 9.9% | £2,405 |
| Rolls-Royce Cullinan, released against value | Equity Release | £120,000 | £0 (0%) | 48 months | 9.4% | £3,009 |
| Lamborghini Huracan, released against value | Equity Release | £140,000 | £0 (0%) | 60 months | 9.4% | £2,933 |
| Ferrari 296 GTB, released against value | Equity Release | £150,000 | £0 (0%) | 48 months | 9.4% | £3,761 |
| McLaren P1, released against value | Equity Release | £840,000 | £0 (0%) | 48 months | 8.9% | £20,864 |
| Ferrari LaFerrari, released against value | Equity Release | £1,650,000 | £0 (0%) | 60 months | 8.9% | £34,171 |
Indicative only, subject to underwriting and valuation. Every row is fully amortising.
Where this sits against the other three finance products
| Hire Purchase | Lease Purchase | Personal Contract Purchase PCP | Equity Release | |
|---|---|---|---|---|
| What it does | Buys a car you do not yet own | Buys a car with a balloon deferred | Buys a car and defers a guaranteed future value | Raises capital against a car you own |
| Deposit | 10 to 30 per cent | 20 to 35 per cent | 10 to 30 per cent | None, the vehicle is the security |
| Sized against | The purchase price | The purchase price | Price less the guaranteed future value | 50 to 70 per cent of market value |
| Monthly payments | Highest of the four | Lower, the balloon is deferred | Lowest | Set by the sum released |
Each structure has its own page with the full mechanics.
Equity release is the only one of the four finance options that does not involve buying anything, and that is the choice this table is really about.
The most common crossover is the balloon refinance. A lease purchase reaching the end of its term leaves a lump sum due, and a car refinance settles it and spreads it across a further period while you keep the car. The same process restructures a rate that no longer suits, or consolidates several agreements onto one facility.
How the four finance products differ
- Hire purchase, lease purchase and PCP are all purchase car finance
- Car equity release raises capital against a vehicle already in your name
- Refinancing sits between the two, settling one agreement and writing another
The marques we release equity against
The cars that release best have a documented, liquid market behind them. Ferrari, Lamborghini, Porsche, McLaren, Bentley, Rolls-Royce, Aston Martin, Audi, Jaguar, Bugatti and Pagani all sit inside our panel's appetite, and we finance classic car collections where provenance is continuous.
A Rolls-Royce Cullinan, a Porsche 911 Turbo S and an Aston Martin DBS release differently from a Jaguar F-Type or an Audi R8, because the comparable evidence behind those supercars is deeper. Valuation is evidence-driven rather than optimistic: recent comparable sales, auction results, specification, mileage, condition and provenance, with an independent inspection expected on seven-figure supercars. The same panel writes auction finance and car refinance, so a release can run alongside a purchase.
A single facility can be secured against several cars at once. For collectors that is the more efficient route: a widely traded Porsche or Ferrari carries a higher loan to value and supports a more conservative advance against a rarer classic, leaving one agreement rather than three. Classic cars are refinanced on the classic car finance page in more detail.
What the lender needs before releasing equity
- The V5C registration document and the original purchase invoice
- The service record and history file, ideally with the marque's own stamps
- Fully comprehensive insurance at an agreed value, with the lender noted
- A redemption figure from any existing lender
- An asset check confirming ownership and any registered interest
Alternatives: sell the car, refinance, or keep it and release
Releasing equity is the right answer when the vehicle is one you want to keep and the capital has a job to do: funding the deposit on the next acquisition, moving working capital into a trading business, or bridging a purchase and a sale. The collection stays intact and the allocation gets funded.
Of the alternatives, the strongest is the simplest. Sell the car and you realise the whole market value rather than 50 to 70 per cent of it, and it costs nothing in interest. We have talked clients out of refinancing cars they were about to sell.
The third consideration is unavoidable. This is secured lending, the car is the security, and it can be recovered if the agreement is not maintained. Where title is unclear or the history file has gaps, the advance is low enough that releasing equity is not worth doing until the paperwork is right.
Next: a valuation, the calculator and the FAQs
Well-documented deals complete within three to seven working days, and the pace of the process is set by the paperwork rather than the lender. Take the V5C, purchase invoice, history file and a prompt redemption figure to the first call and releasing is quick.
Run the total amount you want to release through the finance calculator, then ask for an indication. It costs nothing and it is not a credit application. The car equity release FAQs below cover what clients ask most, and the hire purchase, lease purchase and PCP pages carry the three purchase structures in full.
Cars we most often release equity against
Ferrari
LaFerrari Finance
From £2,500,000963 bhp
McLaren
P1 Finance
From £1,800,000916 bhp
Pagani
Huayra Finance
From £1,800,000730 bhp
Porsche
Carrera GT Finance
From £1,200,000612 bhp
Lamborghini
Countach LPI 800-4 Finance
From £2,200,000814 bhp
Koenigsegg
Agera RS Finance
From £2,800,0001360 bhp
Equity release works hardest where the car has held or gained value since purchase, because the advance is set against current market value rather than what you paid. These are the models we are asked about most.
Frequently asked questions
- Can I release equity from a car I own outright?
- Yes, and it is the simplest version. With no agreement to settle, the whole advance is capital released to you. On a Ferrari, an Aston Martin or a classic our lenders still want the V5C, the purchase invoice, the history file and an asset check.
- How much of my car's value can be advanced?
- Advances typically run 50 to 70 per cent of the lender's assessed market value. Liquid, well-documented cars sit at the stronger end; thinly traded cars sit lower. Where finance is already registered, the settlement figure comes out of the advance first.
- Is this the same as the equity release sold to homeowners?
- No. Residential equity release means a lifetime mortgage or home reversion plan secured on a property, and those are regulated consumer products sold with mandatory advice. What we arrange is business-purpose commercial finance secured against a vehicle at £25,000 and above.
- What can the capital be used for?
- These are business-purpose facilities, so the capital is typically deployed into a trading business, into the deposit on a further acquisition, or to bridge a timing gap. Whether that is the right decision is a matter for you and your accountant.
- Can I still drive and store the car normally?
- Yes. You keep the keys, the registration and the use of the car throughout. Lenders attach conditions: fully comprehensive cover at an agreed value with their interest noted, and on seven-figure cars they ask where the vehicle is stored.