Overview
Financing a hypercar is different from financing a standard vehicle. With values typically ranging from £500,000 to several million pounds, lenders apply stricter criteria and offer specialized products designed for high-value assets.
The good news? With the right preparation and guidance, securing finance for a hypercar can be straightforward. This guide walks you through everything you need to know.
Key Fact
Most hypercar finance is arranged on a bespoke basis. Unlike high-street car finance, rates and terms are tailored to your specific circumstances and the vehicle.
Finance Options for Hypercars
Lease Purchase (LP)
The most popular option for hypercars. You own the car from day one, with a balloon payment at the end of the term that reflects the car's residual value.
Hire Purchase (HP)
Traditional finance where you pay off the full value over the term. Higher monthly payments but no balloon at the end.
Personal Contract Purchase (PCP)
Similar to LP but with Guaranteed Minimum Future Value (GMFV). Option to return, purchase, or part-exchange at the end.
What You'll Need
Typical Requirements
- Minimum 10-20% deposit (varies by lender)
- Proof of income / company accounts
- 3 years address history
- UK residency
- Clean credit history (not always essential)
What Lenders Look For
- Stable income or profitable business
- Net worth vs vehicle value
- Experience with high-value assets
- Insurance arrangements
- Storage and usage plans
The Finance Process
Initial Enquiry
Discuss your requirements, budget, and the vehicle you're interested in.
Soft Credit Check
We run a soft search that doesn't affect your credit score to assess eligibility.
Proposal & Quote
Receive a detailed finance proposal with rates, terms, and payment schedule.
Documentation
Provide required documents (ID, proof of address, income evidence).
Full Application
Submit formal application to the lender for underwriting.
Approval & Completion
Once approved, funds are released and you collect your hypercar.
Top Tips for Hypercar Finance
- Get pre-approved before you start shopping – it strengthens your negotiating position
- Consider the total cost, not just monthly payments – factor in insurance, maintenance, and storage
- Check the balloon payment against likely resale value for LP/PCP deals
- Ask about early settlement terms if you might want to repay early
- Use a specialist lender – high-street banks rarely understand hypercar values
- Consider limited edition models carefully – they may hold value better and help residual predictions
Next Steps
Ready to explore hypercar finance? Start with our calculator to get an indication of monthly payments, or get in touch for a personalized consultation with one of our specialists.