Hypercar Finance is an independent credit broker arranging unregulated, business-purpose commercial finance on deals of £25,000 and above. We are not FCA-regulated and we do not arrange regulated consumer credit. This guide covers what lenders advance against a supercar, luxury car, or classic car, the genuine trade-offs, and the numbers on a McLaren P1, LaFerrari, and Pagani Huayra.
What is equity release on a supercar?
Equity release on a supercar is a credit agreement under which a lender advances capital against the value of a car you own, taking security over the vehicle for the term. If the car is unencumbered, the advance is set against market value. If it carries existing car finance, whether a hire purchase or a lease purchase, the lender settles that balance and releases the surplus to you.
Structurally it is a hire purchase written in reverse. Rather than the lender buying a car and hiring it to you, it takes an interest in a car you already hold and repays itself through an instalment schedule, often with a balloon payment at the end to hold the monthly cost down. The car stays in your possession and in use throughout. The reason the product exists is liquidity: a £1.2 million supercar is a substantial store of value that does nothing for cash flow, and selling it is usually the outcome an owner is trying to avoid.
Which supercars, luxury cars, and classic cars we lend against
Lenders on our panel take security against supercar, luxury car, and classic car assets where value can be evidenced and the resale market is real, and the terms track the strength of the asset. The best positions are on limited-build collector cars: McLaren P1 and Senna, Ferrari LaFerrari, F40, F50, and Enzo, Porsche Carrera GT and 918 Spyder, Pagani Zonda and Huayra, Bugatti Veyron and Chiron, and Koenigsegg Agera and Regera.
Current production supercar from Ferrari, Lamborghini, McLaren, Aston Martin, and Porsche is straightforward, and luxury car finance positions on Bentley, Rolls-Royce, and coachbuilt commissions are well supported. Classic car assets are judged on provenance rather than mileage, so documented history, originality, and restoration quality drive the advance. Where a car is modified or sits in a market with thin recent trades, lenders will still look at it, but at a lower loan to value.
How much can be released, and on what terms
The advance on a supercar equity release is set by the lender's view of market value and its loan to value appetite, typically 50 to 70 per cent of value on a well-evidenced car, less any finance outstanding. On strong collector assets with clear comparables, the upper end of that range is achievable.
The term usually runs 24 to 60 months. The agreement can amortise fully, in the manner of a hire purchase, or carry a balloon to hold the monthly cost down, which is the more common choice where the owner expects to refinance or sell within a few years. Rates are commercial and priced per deal. Two things govern speed: valuation evidence, so recent auction results and full documentation shorten the process, and the settlement position on any existing agreement. With both in hand, decisions on this kind of car finance are days rather than weeks.
What is the catch with supercar equity release?
The catch with equity release against a car is that you are converting an owned asset into a secured liability, so a car that was previously unencumbered now carries a lender's interest and a monthly obligation. That is a real change in position and it should be weighed against simply selling the car.
Three specifics matter. Commercial rates here sit materially above secured lending against property, so interest on a seven-figure advance across a 48 month term is significant. The lender holds an interest in the car, so it cannot be sold free of the agreement without settling it. And if the car falls in value the loan to value moves against you, which makes an exit carrying a balloon harder. Set against that, the alternative is usually selling a car that is difficult to replace, which is why we model the cost of releasing capital against the cost of selling before recommending either.
Choosing a lender and a broker for supercar equity release
Selecting a provider for supercar equity release is an exercise in matching the asset to a lender that genuinely understands it, not in finding the lowest headline rate. There is no single best provider in this market; there are lenders with strong appetite for particular categories and lenders with none. Some are comfortable on current production supercar finance and unwilling on pre-1990 classic car assets. Some price aggressively at 50 per cent loan to value and become expensive above it.
A broker with a panel sees where each deal fits before it is submitted, which avoids speculative applications and produces better terms than approaching lenders one at a time. Test four things in any offer: the loan to value against an independent view of the car's worth, the total cost of credit rather than the monthly payment, whether a balloon is used and how it will be settled, and the early settlement terms. Those are contractual on an unregulated commercial agreement, so they are negotiable at the outset and fixed afterwards.
Worked examples on a McLaren P1, LaFerrari, and Pagani Huayra
Worked examples show how the loan to value and the term interact on real cars. All figures are indicative only and subject to lender underwriting, the specification and provenance of the car, and your circumstances.
McLaren P1 valued at £1.2 million and owned outright. At 60 per cent loan to value the advance is £720,000; over 48 months at an indicative 8.9 per cent with a 40 per cent balloon of £288,000, the monthly payment is around £11,200. LaFerrari valued at £3 million with £400,000 of existing finance outstanding. At 55 per cent loan to value the gross advance is £1.65 million, releasing £1.25 million after settlement; over 48 months with a 45 per cent balloon of £742,500 the monthly payment is around £24,800. Pagani Huayra valued at £2.4 million and owned outright. At 55 per cent the advance is £1.32 million; over 36 months with a 50 per cent balloon of £660,000 the monthly payment is around £26,000. Use our calculator to model your own figures.
Frequently asked questions
What is the catch with supercar equity release?
You convert an owned asset into a secured liability. The lender holds an interest in the car for the term, the commercial cost of credit is higher than secured lending against property, and a fall in the car's value moves the loan to value against you. The comparison that matters is against selling a car that may be difficult to replace.
Who is the best equity release provider in the UK for a supercar?
There is no single best provider. Lenders differ sharply in appetite by asset category, some strong on current supercar finance and unwilling on classic car assets, others comfortable on limited-build cars. As an independent credit broker we place each deal with the lender whose appetite fits the car.
What is the 20/4/10 rule and does it apply here?
It is a consumer budgeting guide recommending a 20 per cent deposit, a four year maximum term, and transport costs below ten per cent of gross income. It is designed for buyers funding a car out of salary and has no application to unregulated commercial equity release, where lenders underwrite the asset and the loan to value.
Can I keep driving the supercar during the agreement?
Yes. The car stays in your possession and in use throughout the term, subject to conditions covering insurance, storage, and keeping the vehicle in the United Kingdom. This is not a pawn arrangement and the car is not surrendered to the lender.
Does supercar equity release carry the same protections as regulated consumer credit?
No. Every agreement we arrange sits at £25,000 or above and is unregulated commercial finance, outside the consumer credit perimeter. Consumer Credit Act protections, including voluntary termination, do not apply. Early settlement terms are negotiated with the lender before signature rather than provided by statute.
Where to go next
- The balloon payment in supercar finance, explained
- Specialist supercar finance, structured around the asset
- Specialist luxury car finance for £25,000-plus commercial deals
- How to finance a McLaren in the UK
- How to finance a Pagani in the UK
- Equity ReleaseHow we structure a commercial refinance against a car you already own.
- Hire PurchaseThe amortising structure equity release is modelled on, written in reverse.
- McLaren Equity ReleaseP1, Senna, and Speedtail positions where values have outrun list price.
- Ferrari Equity ReleaseLaFerrari, F40, F50, and Enzo refinanced without breaking up a collection.
- Pagani financeZonda, Huayra, and Utopia valuations and lender appetite explained.
- Bugatti financeVeyron, Chiron, and Centodieci assets across purchase and refinance.
- Finance calculatorModel an advance, term, and balloon against your own car's value.
Want an indicative quote?
Use our finance calculator to model the deposit, term, and indicative monthly payment for any vehicle from £25,000 upwards, then speak to our team to structure the agreement through the right commercial lender for your circumstances.