Specialist hypercar finance, structured per deal

What is hypercar finance and who is it for?

Hypercar finance is a commercial credit agreement secured against a road-legal hypercar, used to spread the cost of the car over an agreed term. It is most commonly arranged as Hire Purchase, Lease Purchase, or Equity Release against a hypercar the buyer already owns; Personal Contract Purchase is rarely used at the £1 million-plus end of the market because no commercial lender will set a Guaranteed Minimum Future Value on a low-volume hypercar with no real residual benchmark.

Hypercar finance through us is suitable for ultra-high-net-worth buyers, principals of single-family offices, company directors capitalising a hypercar through a limited company, and collector clients refinancing positions across current production and the appreciating historic market. We do not lend retail consumer credit and we do not arrange hypercar finance for buyers without the demonstrated asset profile to support a £1 million-plus commercial credit agreement.

Which hypercar marques and models we finance

Hypercar production is concentrated across a small group of manufacturers, all of which we cover. From Maranello, Ferrari supplies the LaFerrari and LaFerrari Aperta, the SF90 XX Stradale and Spider, the Daytona SP3 Icona, and the run-out F40 / F50 / Enzo / FXX collector cars. From Sant'Agata Bolognese, Lamborghini delivers the Revuelto, Sián FKP 37, Countach LPI 800-4, Centenario, and Veneno. From Woking, McLaren Automotive supplies the P1, Senna, Senna GTR, Speedtail, Elva, and the track-only Solus GT, plus the original three-seat McLaren F1 on the auction market.

From Molsheim, Bugatti Automobiles produces the new Tourbillon (deliveries from 2026), the run-out Chiron in all variants, Centodieci, Divo, Mistral, La Voiture Noire, and the historic Veyron. From San Cesario sul Panaro, Pagani Automobili builds the Utopia and the historic Huayra (in all variants) and Zonda. From Ängelholm, Koenigsegg Automotive supplies the Jesko (Attack and Absolut), Regera, Gemera, CC850, and historic Agera RS / One:1 / CCXR. From Gaydon, Aston Martin Lagonda delivers the Valkyrie and Valhalla hypercar programmes. From Zuffenhausen and Stuttgart, Porsche AG supplies the historic 918 Spyder and Carrera GT.

Hypercar finance options: Hire Purchase, Lease Purchase, and Equity Release

Hypercar finance is structured as one of three credit agreements arranged through our panel of specialist commercial lenders: Hire Purchase, Lease Purchase, or Equity Release against a hypercar the buyer already owns.

Hire Purchase on a hypercar spreads the full cost across the term with no balloon at the end. Ownership of the hypercar passes outright to you with the final payment. At this deal size, Hire Purchase is the cleanest structure for principals who want certainty and a clear unencumbered position at the end of the term, particularly on Pagani Utopia, Koenigsegg Jesko, and Bugatti Tourbillon programmes where the buyer expects to hold the car long-term.

Lease Purchase keeps the monthly outlay lower than Hire Purchase by deferring an agreed amount to a final balloon payment, pegged to the asset's projected value at the end of the term. This is the most common structure we arrange on Ferrari, Lamborghini, and McLaren limited-build hypercar because the asset performance on LaFerrari, Aventador SVJ, McLaren P1, and Senna has supported a meaningful balloon at 36 and 48-month terms.

Equity Release is a refinancing arrangement secured against a hypercar the owner already holds, releasing the difference between current market value and outstanding finance as cash. It is the most heavily used structure on appreciating historic and limited-build cars: F40, F50, Enzo, LaFerrari, McLaren F1 and P1, Carrera GT, 918 Spyder, Pagani Zonda Cinque, Koenigsegg Agera RS, and Bugatti Centodieci have all materially outperformed their original list prices, and Equity Release lets the owner release seven and eight-figure liquidity without selling.

Hypercar finance examples and indicative monthly payments

A hypercar finance example is a worked monthly-payment scenario calculated against a specific vehicle, deposit, term, interest rate, and residual value. The examples below are indicative only; final terms depend on the commercial lender's underwriting, your circumstances, and the vehicle's specification and provenance.

A Bugatti Chiron Super Sport priced at £2.5 million with a 30 percent deposit (£750,000) over 36 months on a Lease Purchase with a 65 percent balloon (£1.625 million) and an 8.9 percent indicative interest rate produces a monthly payment of around £16,000. A Pagani Utopia priced at £2.2 million with a 30 percent deposit over 36 months on Lease Purchase with a 65 percent balloon (£1.43 million) at the same rate produces a monthly payment of around £14,100. A Koenigsegg Jesko Attack priced at £2.8 million with a 30 percent deposit on Lease Purchase over 36 months with a 60 percent balloon (£1.68 million) produces a monthly payment of around £21,350. A Ferrari LaFerrari priced at £3 million (secondary market) with a 40 percent deposit on Lease Purchase over 36 months with a 60 percent balloon (£1.8 million) produces a monthly payment of around £13,350.

Our finance calculator above lets you plug in real numbers for any hypercar and see the impact of deposit size, term length, and the choice between Hire Purchase and Lease Purchase in real time.

Why are hypercar finance rates higher than mainstream car finance?

Specialist hypercar finance is priced higher than mainstream consumer car finance for three structural reasons. First, the commercial lenders willing to fund vehicles in the seven and eight-figure range are a small group of specialist asset financiers, not the mainstream retail or private banks; they price for the deal size, asset complexity, and the extreme rarity of comparable resale data. Second, hypercar production is typically below 500 cars per variant and often under 100, so residual underwriting depends on individual provenance assessment, not market averages. Third, agreements at this level are unregulated commercial finance by definition because every deal sits well above the £25,000 consumer credit threshold, so the structures are negotiated per deal in close cooperation with the lender's underwriting team.

The flip side is that the asset profile of hypercar from the Holy Trinity (LaFerrari, McLaren P1, Porsche 918 Spyder) through to current limited-build Pagani, Bugatti, and Koenigsegg cars has consistently outperformed mainstream supercar, making hypercar finance one of the most defensible asset-finance positions in the UK market.

Hypercar finance questions answered

Hypercar finance underwriting is asset-specific and structure-specific, so the answers to the most common buyer questions depend on the vehicle, the deal size, and the chosen credit agreement. The three questions below cover what we are asked most often.

Can you finance a hypercar? Yes, where the buyer can demonstrate the asset and income profile to support a £1 million-plus unregulated commercial credit agreement. We arrange hypercar finance on Ferrari LaFerrari and Daytona SP3, Lamborghini Revuelto and Sián, McLaren P1 / Senna / Speedtail / Elva / Solus GT, Bugatti Chiron and Tourbillon, Pagani Utopia and Huayra, Koenigsegg Jesko and Regera, Aston Martin Valkyrie, and Porsche 918 Spyder and Carrera GT. Allocation on new limited-build hypercar is controlled by the manufacturer; the finance side runs in parallel through us.

Can you get finance on a supercar? Yes, on the same panel of specialist commercial lenders. Supercar finance overlaps with hypercar finance at the lower end of the price spectrum (current Ferrari 296 GTB and 12Cilindri, Lamborghini Revuelto, McLaren 750S, Aston Martin DBS Superleggera, Porsche 911 GT3 RS), and we structure the same Hire Purchase / Lease Purchase / Personal Contract Purchase / Equity Release agreements across both categories.

What is the 50 percent rule for car finance? The 50 percent rule, formally known as voluntary termination under the Consumer Credit Act, applies only to regulated consumer credit agreements below £25,000 or below the £60,260 high net worth exemption threshold. Hypercar finance is by definition unregulated commercial finance (the deal size alone places it well outside the consumer credit perimeter), so the 50 percent voluntary termination right does not apply. Early-settlement terms are agreed up front with the commercial lender as part of the structuring conversation.