On this page(7 sections)
Hypercar Finance is the independent credit broker referenced throughout. We arrange Aston Martin finance through specialist lenders. We are not Aston Martin Financial (the OEM finance arm at astonmartinfinancial.com); we are not the dealer; we are the broker between the buyer and the lender panel.
- None
- Minimum deal size
- 15% to 35%
- Deposit range
- 36 to 60
- Term in months
- 9.9%
- Indicative rate
Every agreement we arrange sits above the consumer credit threshold.
15 per cent on a DBX 707 Hire Purchase, 35 per cent on an Aston Martin Works DB5.
48 months is the usual landing point across the current range.
The rate used in the worked examples further down this page.
Indicative only and subject to commercial lender underwriting.
Step one: identify the Aston Martin and confirm availability
The first step is identifying the specific Aston Martin. For current Aston Martin Lagonda production from Gaydon (DB12 Coupe / DB12 Volante, Vantage Coupe / Vantage Roadster, DBX 707, DBS Superleggera run-out, Valkyrie), the dealer network (HWM Aston Martin, HR Owen, Stratstone Aston Martin, Lancaster and others) confirms availability and specification options.
For Aston Martin Works heritage and restored classic cars (DB4, DB4 GT, DB4 GT Zagato Continuation, DB5, DB5 Goldfinger Continuation, DB6, original V8 Vantage, Virage, Vanquish, One-77, V12 Zagato), Aston Martin Works in Newport Pagnell remains the canonical source, alongside specialist dealers including Nicholas Mee, Trinity Engineering, Aston Workshop, and DAS Automobile.
Aston Martin
DB12 Finance
From £185,000671 bhp
Aston Martin
Vantage Finance
From £165,000656 bhp
Aston Martin
DBX 707 Finance
From £189,000697 bhp
Aston Martin
DBS Superleggera Finance
From £225,000715 bhp
Aston Martin
Valkyrie Finance
From £2,500,0001,140 bhp
A cross-section of the Aston Martin cars we finance rather than the full list. Prices shown are guide list prices and do not reflect Aston Martin Works heritage values or Valkyrie secondary-market pricing.
Step two: choose the right finance product for the Aston Martin
| Structure | Monthly cost | Balloon | Position at the end | Best suited to |
|---|---|---|---|---|
| Hire Purchase | Highest | None | Outright ownership at the end | Company directors capitalising the Aston Martin through a limited company |
| Lease Purchase | Lower | Agreed sum deferred to the end of the term | Yours once the balloon is settled | DB12, DBX 707 and Vantage at 48 and 60-month terms |
| Personal Contract Purchase | Lower | Guaranteed Minimum Future Value fixed at the outset | Settle the GMFV, part-exchange, or hand the car back | Current DB12, Vantage and DBX 707 |
| Equity Release | Set by the sum released | Structured per deal | You already own the car | Classic DB4, DB5 and DB6, plus Vulcan, V12 Zagato and One-77 |
The Aston Martin residual profile supports a meaningful balloon at 48 and 60-month terms, which is why Lease Purchase dominates on the current range. Residual risk stays with you on Lease Purchase; on Personal Contract Purchase the commercial lender takes it back through the Guaranteed Minimum Future Value.
Aston Martin finance is most commonly structured as one of four credit agreements: Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release against an Aston the buyer already owns.
Hire Purchase is the cleanest structure if you want outright ownership at the end. It suits company directors capitalising the Aston Martin through a limited company. Lease Purchase keeps the monthly payment lower than HP by deferring an agreed amount to a final balloon, and is the dominant structure on DB12, DBX 707, and Vantage because the Aston Martin residual profile supports a meaningful balloon at 48 and 60-month terms.
Personal Contract Purchase works on current DB12, Vantage, and DBX 707 where the commercial lender can set a confident Guaranteed Minimum Future Value. Equity Release is most useful on classic DB-series cars (DB4, DB5, DB6), on the limited-build Vulcan / V12 Zagato / One-77 cars, and on appreciating Vanquish and DBS Superleggera examples.
Step three: Aston Martin Financial vs specialist credit broker
Aston Martin Financial (astonmartinfinancial.com) is the OEM finance arm and offers captive finance product alongside the dealer, typically structured as regulated retail credit for current-model cars. It is a competent product, particularly for current DB12 and Vantage with a clean dealer-handover experience.
On the Aston Martin deals we see where the asset is a current DB12, DBS Superleggera run-out, DBX 707, Valkyrie hypercar, or any Aston Martin Works heritage car (DB4 / DB5 / DB6, V8 Vantage, Vanquish), the specialist broker route routinely produces a sharper structure because we work with lenders comfortable with Aston Martin Lagonda asset complexity, with Aston Martin Works provenance, and with the Valkyrie hypercar programme.
Step four: the application and underwriting process
The application runs through us as credit broker. We collect a short summary of the buyer, the deal (dealer or specialist invoice, deposit, term, structure), and the vehicle (specification, mileage if used, Q by Aston Martin per-customer commissioning options, Aston Martin Works heritage documentation for classics).
The commercial lender underwrites against the asset, the buyer, and the deal structure. Decisioning is typically days for current-production cars; for Aston Martin Works DB4 / DB5 / DB6 cars and the Valkyrie hypercar programme, the underwriting includes specific provenance review and tends to take longer. Final terms are issued, the agreement is signed, and the funds are sent direct to the dealer or specialist at handover.
Indicative monthly payments by Aston Martin model
Aston Martin DB12 at £185,000 list, 20 percent deposit over 48 months on Lease Purchase at 9.9 percent with a 50 percent balloon: around £2,170 per month. Aston Martin Vantage at £165,000 list, 20 percent deposit on PCP over 48 months with a 45 percent GMFV: around £2,075 per month. Aston Martin DBX 707 at £189,000 list, 15 percent deposit over 60 months on Hire Purchase: around £3,405 per month. Aston Martin DBS Superleggera at £225,000 secondary market, 25 percent deposit on Lease Purchase over 48 months with a 55 percent balloon: around £2,160 per month. Aston Martin Vanquish (original) at £150,000 secondary market, 30 percent deposit on Lease Purchase over 48 months with a 60 percent balloon: around £1,120 per month. Aston Martin DB5 (Aston Martin Works restored) at £750,000, 35 percent deposit on Lease Purchase over 48 months with a 70 percent balloon: around £3,380 per month. Aston Martin Valkyrie at £2.5 million, 30 percent deposit on Lease Purchase over 36 months with a 70 percent balloon: around £14,450 per month.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Aston Martin DB12 | Lease Purchase | £185,000 | £37,000 (20%) | 48 months | £92,500 (50%) | 9.9% | £2,168 |
| Aston Martin Vantage | Personal Contract Purchase | £165,000 | £33,000 (20%) | 48 months | £74,250 (45%) | 9.9% | £2,074 |
| Aston Martin DBX 707 | Hire Purchase | £189,000 | £28,350 (15%) | 60 months | None | 9.9% | £3,405 |
| Aston Martin DBS Superleggera | Lease Purchase | £225,000 | £56,250 (25%) | 48 months | £123,750 (55%) | 9.9% | £2,160 |
| Aston Martin Vanquish (original) | Lease Purchase | £150,000 | £45,000 (30%) | 48 months | £90,000 (60%) | 9.9% | £1,122 |
| Aston Martin DB5 (Works restored) | Lease Purchase | £750,000 | £262,500 (35%) | 48 months | £525,000 (70%) | 9.9% | £3,382 |
| Aston Martin Valkyrie | Lease Purchase | £2,500,000 | £750,000 (30%) | 36 months | £1,750,000 (70%) | 9.9% | £14,437 |
Prices are list except the DBS Superleggera and original Vanquish, which are secondary-market figures, and the DB5, which is an Aston Martin Works restored figure. The Vantage balloon is a Guaranteed Minimum Future Value. Indicative only and subject to underwriting.
Common mistakes when financing an Aston Martin
Three mistakes recur. The first is conflating Aston Martin Lagonda the publicly-listed company's quarterly performance with the underlying car asset values. The company has been through several capital restructurings since 2018 (including the Lawrence Stroll-led investment), but the residual market on current DB12 and DBX 707, and on Aston Martin Works classic cars, is independent of the parent company's quarterly performance.
The second is overlooking Q by Aston Martin commissioning costs on a DB12, which can add £30,000 to £50,000 in personalised specification. The Lease Purchase balloon should be calibrated against the realistic residual of a well-commissioned car, not the full invoice. The third is buying a classic DB6 or DB5 without the Aston Martin Works heritage documentation; the documentation directly affects what the commercial lender will fund and at what rate.
On a classic DB5 or DB6 the Aston Martin Works heritage documentation directly affects what the commercial lender will fund, and at what rate.
Frequently asked questions
- Can you get an Aston Martin on finance?
- Yes. We arrange Aston Martin finance on new, used, and Aston Martin Works heritage cars through a panel of specialist lenders. Aston Martin Financial (the OEM finance arm) is the alternative for regulated retail-credit deals on current cars.
- Is Aston Martin in financial difficulty?
- Aston Martin Lagonda has been a publicly-listed company (AML.L) through several capital restructurings since 2018. This is a brand-level corporate question that does not affect the underlying value or finance availability of the cars themselves; demand for current DB12, Vantage, DBX 707, and the Valkyrie remains strong, and the residual market on Aston Martin Works classic cars is independent of the parent company's quarterly performance.
- What is the 50 percent rule on car finance?
- The 50 percent rule, formally voluntary termination under the Consumer Credit Act, applies only to regulated consumer credit agreements. Aston Martin finance arranged through us is unregulated commercial finance, so the 50 percent right does not apply. Early-settlement terms are agreed up front with the commercial lender.
Where to go next
Want an indicative quote?
Use our finance calculator to model the deposit, term, and indicative monthly payment for any vehicle from then speak to our team to structure the agreement through the right lender for your circumstances.