On this page(10 sections)
Hypercar Finance is an independent credit broker. We arrange hire purchase supercar finance from £25,000 through a panel of commercial lenders financing high-value cars as a core specialism, alongside lease purchase, personal contract purchase and equity release on the same vehicles. Deposits run 10 to 30 per cent, terms 24 to 60 months, and indicative rates run 6.9 to 12.9 per cent.
Every agreement is unregulated commercial car finance above £25,000, and Hypercar Finance is not authorised or regulated by the Financial Conduct Authority. Ask for a quote once you have run the finance calculator, because a deposit and term you have already tested turn an enquiry into an indication quickly.
- £25,000
- Minimum deal size
- 10% to 30%
- Deposit range
- 24 to 60
- Term in months
- 6.9% to 12.9%
- Indicative rates
Commercial car finance, above the consumer credit threshold.
A part-exchange can stand in for some or all of the cash.
A few lenders will view 72 months on the right asset.
Most supercar finance sits between 8.9 and 9.9 per cent.
No balloon, no mileage cap and no end-of-term inspection. Indicative only and subject to lender underwriting.
What you hold at the end of the agreement
You hold the vehicle outright, free of any registered interest, with nothing further to pay. That is the whole argument for hire purchase. The monthly payment is the highest of the four structures and total interest is generally the lowest, because nothing accrues at the back end.
Legal title rests with the lender through the term and passes on the final payment plus the option-to-purchase fee, a nominal sum of a few hundred pounds. You are the registered keeper throughout and the car is yours to use, insure and garage, but you cannot sell or pledge it while the lender's interest shows against the vehicle.
There is also nothing to decide when the term ends. No inspection, no excess mileage charge, no balloon and no refinancing event to plan for. For a finance director modelling cash flow, that predictability is the point.
How a hire purchase supercar deal is priced
Rates are set per deal rather than from a rate card, from around 6.9 per cent at the strongest end to around 12.9 per cent where the asset demands a wider margin. Deal size, deposit, term, marque and the borrower's balance sheet all move the rates, and a supercar with thin resale evidence prices differently from a Porsche 911.
Deposit is the main lever on the monthly payment. Our lenders look for 10 to 30 per cent, and a part-exchange can cover part or all of it. Term is the second lever: 60 months rather than 48 lowers the monthly commitment and raises total interest.
Because there is no balloon the balance falls steadily from the first payment to the last, so the schedule models cleanly against a company's cash flow and against the wider credit position the lender is assessing.
Run the deposit and term through the finance calculator
The car finance calculator takes a price, a deposit, a term and rates, and returns the monthly payment with no balloon in the way. It shows what an extra five per cent of deposit or an extra twelve months actually buys. The worked examples below are the same calculation, computed at render time from the inputs in each row, so nothing published here can drift from the calculator.
| Vehicle | Structure | Price | Deposit | Term | Rate | Monthly |
|---|---|---|---|---|---|---|
| McLaren Artura | Hire Purchase | £190,000 | £38,000 (20%) | 60 months | 8.9% | £3,148 |
| Ferrari 296 GTB | Hire Purchase | £241,560 | £60,390 (25%) | 48 months | 9.4% | £4,543 |
| Porsche 911 GT3 RS | Hire Purchase | £185,000 | £27,750 (15%) | 60 months | 9.4% | £3,295 |
| Rolls-Royce Ghost | Hire Purchase | £270,000 | £81,000 (30%) | 48 months | 8.9% | £4,694 |
| Lamborghini Urus Performante | Hire Purchase | £190,000 | £38,000 (20%) | 60 months | 9.4% | £3,185 |
| Audi R8 V10 Performance | Hire Purchase | £130,000 | £26,000 (20%) | 48 months | 9.9% | £2,633 |
Indicative only and subject to underwriting. No balloon on any row, so each agreement reaches zero with the final payment.
Hire purchase against the other three structures
| Hire Purchase | Lease Purchase | Personal Contract Purchase PCP | Equity Release | |
|---|---|---|---|---|
| What happens to the capital | All of it is repaid across the term | Part is deferred to a balloon | Part is deferred to a guaranteed future value | Capital is advanced against a car you own |
| Monthly payment | Highest of the four | Lower | Lowest | Sized by the sum released |
| Total interest | Generally the lowest | Higher, the balloon accrues throughout | Higher, the deferred sum accrues throughout | Depends on term and advance |
| Mileage cap | None | None | Contracted annually | None |
| At the end | Title passes to you | Yours once the balloon is settled | Pay, hand back, or take the equity | Title returns once the facility clears |
Each structure has its own page with the full mechanics. Indicative and subject to lender underwriting.
Naming all four properly matters, because a reader here is usually choosing rather than buying. Hire purchase repays everything and passes title. Lease purchase defers a balloon and leaves the residual risk with you. Personal contract purchase defers a guaranteed future value and leaves that risk with the lender. Equity release advances capital against a vehicle already in your name, and refinancing an existing agreement works the same way.
Hire purchase wins on total cost, freedom of use and outright ownership. It loses on monthly cost: financing the whole capital cost costs more each month than deferring part of it. Where the monthly figure binds, lease purchase is the alternative among the four finance options; where you want the downside covered, PCP is.
It is also the default when the vehicle defeats a residual calculation. Limited-build supercars from Ferrari, McLaren, Pagani, Bugatti and Koenigsegg rarely have the comparable evidence for a guaranteed future value, and a classic in a rising market argues against handing anything back.
The marques and models we write hire purchase on
Marque pages, each with its own hire purchase detail
- Porsche finance
- Lamborghini finance
- Ferrari finance
- Aston Martin finance
- Bentley finance
- Audi finance
The supercars we finance this way most often are the ones people keep. Porsche across the 911 range, Lamborghini in Huracan and Urus form, Ferrari from the Roma to the 812 Superfast, McLaren, Bentley, Rolls-Royce, Aston Martin from the Vantage to the DBS, and the Audi R8.
It also suits a classic Aston Martin or Ferrari. Where a classic has taken its depreciation and trades flat to rising, deferring a balloon makes no sense, and financing it this way spreads the cost. Our classic car finance page covers valuation in full.
Mileage is the other reason clients land here. A Bentley covering continental miles, or a Lamborghini Urus used as a working car, runs past a contracted PCP mileage quickly. Hire purchase carries no mileage restriction at all.
Who hire purchase supercar finance tends to suit
- Company directors capitalising a vehicle through a trading company
- Collectors adding supercars to a portfolio they will not churn
- Buyers whose annual mileage is genuinely unpredictable
- Limited-build cars with too little evidence for a guaranteed future value
- Anyone who wants the vehicle unencumbered at the end
Buying through a limited company
A limited company can take the agreement in its own name, which is why hire purchase dominates our corporate business. The vehicle sits on the balance sheet as an asset from day one with the finance as a liability, and the credit decision is made against the company, usually with a director's guarantee.
VAT qualifying status matters on a minority of high-value cars, typically ex-demonstrator or ex-lease vehicles where the VAT has not been reclaimed. We structure the finance and set out plainly what the agreement is; we do not advise on tax.
The 50 per cent rule, and settling early
Early settlement here is a matter of contract rather than statute, so we treat it as part of structuring the deal. Most lenders settle on the outstanding capital plus an agreed interest position, and several will write a defined settlement window into the agreement from the outset.
The 50 per cent rule that circulates widely is voluntary termination under the Consumer Credit Act, a right attaching to regulated consumer credit only. It does not apply to a hire purchase supercar agreement above £25,000, and any broker suggesting otherwise on a deal this size has the perimeter wrong. What you get instead is negotiated terms, agreed before signature and written down.
From enquiry to funds released, and the FAQs
The process is five steps and clean deals complete inside two to five working days. We take the vehicle details, the seller, the price, the deposit and the entity taking the agreement, then take an indicative view from the panel, submit formally and coordinate payment. A quote costs nothing.
The process on a private-sale or auction purchase needs evidence of title and any finance registered against the car, and on an existing supercar a redemption figure too. The hire purchase FAQs below cover what clients ask most, the lease purchase, PCP and equity release pages carry the other three finance options, and the FAQs on each cover the rest.
The conversation
Vehicle, seller, price, deposit and the entity taking the agreement, with the early settlement basis agreed here rather than later.
An indication from the panel
An indicative view from the lenders most likely to write the deal well. Appetite varies by marque and by price band.
Formal submission
Filed accounts on a corporate deal; evidence of title and any registered finance on a private-sale or auction purchase.
Underwriting and payment
Covenant and vehicle are assessed in parallel, then funds go to the seller so money, car and paperwork land together.
Cars we most often arrange hire purchase on
Ferrari
812 Superfast Finance
From £270,000800 bhp
Porsche
911 GT3 Finance
From £145,000510 bhp
McLaren
750S Finance
From £239,000750 bhp
Bentley
Continental GT Finance
From £200,000771 bhp
Aston Martin
Vantage Finance
From £165,000656 bhp
Lamborghini
Huracán Tecnica Finance
From £217,000640 bhp
Hire purchase suits the buyer who intends to keep the car, so it is the structure we place most often on models people hold rather than trade. Open a model to see the indicative payment with no balloon at the end.
Frequently asked questions
- Do I own the supercar during a hire purchase agreement?
- Not legally. The lender holds title until the final payment and the option-to-purchase fee are made, at which point ownership transfers to you. You are the registered keeper throughout, but you cannot sell or pledge the car while the lender's interest is registered.
- Is there a balloon payment on hire purchase?
- No. Hire purchase amortises the full amount financed across the term, so the balance reaches zero with the final payment. That is why the monthly payment is higher than a lease purchase or a PCP on the same car, and why there is no end-of-term decision.
- Can I put a part-exchange in as the deposit?
- Yes, and it is common. A part-exchange can cover part or all of the deposit, with any settlement on the outgoing car's finance netted off against its value. We will need that vehicle's details and a current settlement figure first.
- What terms are available on supercar hire purchase?
- Terms of 24 to 60 months are standard, and a few lenders will view 72 months on the right asset. Longer terms reduce the monthly commitment and increase total interest, so the choice comes down to cash flow rather than headline cost.
- Can hire purchase be arranged on a car bought at auction or privately?
- Yes. We finance auction and private purchases as well as dealer stock. The lender wants clear evidence of title, an asset check showing any existing finance, and a valuation it is comfortable with. Auction timescales are tight, so tell us before the sale.
- How does hire purchase affect my company balance sheet?
- The vehicle is recognised as an asset of the company from the outset, with the outstanding finance as a liability. That is one reason corporate clients prefer it to a rental-style structure. The precise accounting position is for your accountant.