On this page(8 sections)
Deposits run 30 to 40 per cent, terms run 36 to 48 months, and our indicative finance rate band is 8.9 to 9.9 per cent. The worked examples below compute from those inputs, the finance calculator runs your own, and a written indication on a specific vehicle takes one conversation and no credit search. Most of our clients are refinancing or adding to a collection rather than buying a first car.
Hypercar Finance is an independent credit broker and is not authorised or regulated by the Financial Conduct Authority. That status belongs to firms writing regulated consumer credit. Every agreement we arrange is unregulated commercial finance.
- None
- Minimum deal size
- 30% to 40%
- Deposit range
- 36 to 48
- Term in months
- 8.9% to 9.9%
- Indicative rate band
Hypercar deals are substantial regardless.
Seven figures carries the heaviest exposure.
36 is the usual landing point.
Negotiated per deal, not quoted.
Indicative only and subject to underwriting. Run a car through the finance calculator, then ask for a written indication.
What separates a hypercar from a supercar
A supercar is a series-production car built to be extraordinary. A hypercar is a limited-build car where the production run is the point, usually under 500 examples and often under 100, and where the price is set by scarcity rather than by cost. A McLaren 750S is a supercar. A McLaren P1 is a hypercar. Both come from Woking and both finance through the same desk.
The line is genuinely blurred, and Google treats it that way too: search hypercar finance and you get supercar finance pages back. That is not an error. The supercar buyer at £400,000 and the hypercar buyer at £4 million are underwritten the same way, on the same structures, by the same small group of finance houses, and it is more useful to say so than to pretend there are two separate industries.
What actually changes across the line is the residual. A supercar has comparable sales a finance house can look up. A hypercar has an auction record, a marque specialist opinion and a handful of private treaty sales, and that is what makes the deal a negotiation rather than a quotation.
The same is true either side of it. A classic Ferrari and a luxury Rolls-Royce are underwritten on the same principle, which is that a car with a documented market can be financed whatever the badge says. Our classic car finance and luxury car finance pages carry those two segments, and a collection holding all four is a normal type of client here rather than an exception.
How hypercar and supercar finance differ in practice
| Supercar finance | Hypercar finance | |
|---|---|---|
| Typical deal size | £100,000 to £400,000 | £500,000 to £5 million |
| Deposit | 15% to 25% | 30% to 40% |
| Term | 48 to 60 months | 36 to 48 months |
| Residual evidence | Comparable sales and trade data | Auction results and specialist opinion |
| Usual structure | Lease Purchase or contract purchase PCP | Lease Purchase or Hire Purchase |
| Time to complete | Two to five working days | One to three weeks |
Personal Contract Purchase, PCP in the row above, effectively stops at the hypercar line. No finance house will guarantee a future value on a car with fewer than a hundred examples in circulation.
In practice the two conversations differ in three places. The deposit is higher on a hypercar because the finance house's exposure per vehicle is larger and the resale route is narrower. The term is shorter, because a finance house writing seven figures wants the capital repaid faster. And the residual is argued rather than looked up, which is why hypercar financing runs a longer process than supercar finance does.
Everything else is shared. Both are unregulated commercial finance, both are underwritten on assets and accounts rather than a retail scorecard, and both come off a panel rather than a single balance sheet. The finance options are the same four, the service is the same service, and the same person handles the file. If you arrived here searching supercar finance, our supercar finance page carries the worked examples for that end of the market.
Your finance options on a seven-figure car
Three structures do the work at this level. Hire Purchase spreads the whole balance and passes title with the final payment, which is the cleanest position on a car you intend to hold and the one Pagani, Koenigsegg and Bugatti buyers most often take. Lease Purchase defers an agreed balloon and keeps the monthly figure lower, and it is the most common structure across limited-build Ferrari, Lamborghini and McLaren.
Equity release is the third, and it is the financing used most heavily here. Refinancing a hypercar you already own advances the difference between today's valuation and anything outstanding. Collector clients use that refinancing to fund the next car without selling the last one, and refinancing a whole collection one vehicle at a time is a routine piece of work here.
Personal contract purchase is the structure that does not travel. Contract purchase PCP needs a resale data set to set a guaranteed future value against, and a car built in double figures does not have one. That is the single clearest difference between the finance options at this level and the finance options on a series-production supercar. Full mechanics for each sit on the product pages linked below.
Choosing between the three
- Hire Purchase where the car is a keeper and the balance sheet position matters
- Lease Purchase where cash flow matters more than total interest
- Equity release where the car is already yours and the capital is needed elsewhere
- Lease Purchase again where an exit is planned, so the balloon matches the intended sale
- Hire Purchase where the car is appreciating and you would rather not defer capital against it
The hypercars we fund
Current production runs across seven marques. Ferrari supplies the Daytona SP3 and the SF90 XX. Lamborghini supplies the Revuelto and supplied the Sian and Countach LPI 800-4. McLaren supplies the Solus GT and supplied the P1, Senna, Speedtail and Elva. Bugatti supplies the Tourbillon and supplied the Chiron in all its variants. Pagani supplies the Utopia, Koenigsegg the Jesko, Regera and Gemera, and Aston Martin the Valkyrie.
The historic side is larger and busier. The Holy Trinity of LaFerrari, McLaren P1 and Porsche 918 Spyder trades constantly, as do the Ferrari F40, F50 and Enzo, the Porsche Carrera GT, the Pagani Zonda in its many forms, the Koenigsegg Agera RS and the Bugatti Veyron. Most of what we place at this level is one of these rather than a new allocation.
Ferrari
LaFerrari Finance
From £2,500,000963 bhp
McLaren
P1 Finance
From £1,800,000916 bhp
McLaren
Senna Finance
From £900,000800 bhp
Porsche
918 Spyder Finance
From £1,500,000887 bhp
Porsche
Carrera GT Finance
From £1,200,000612 bhp
Pagani
Utopia Finance
From £2,400,000864 bhp
Koenigsegg
Jesko Finance
From £3,000,0001600 bhp
Bugatti
Tourbillon Finance
From £3,500,0001800 bhp
Aston Martin
Valkyrie Finance
From £2,500,0001,140 bhp
A cross-section rather than the full list. List prices shown do not reflect secondary-market values, which on Holy Trinity cars run several times list.
What deposit and balloon do to the monthly figure
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Bugatti Chiron Super Sport | Lease Purchase | £2,500,000 | £750,000 (30%) | 36 months | £1,625,000 (65%) | 8.9% | £16,021 |
| Pagani Utopia | Lease Purchase | £2,200,000 | £660,000 (30%) | 36 months | £1,430,000 (65%) | 8.9% | £14,099 |
| Koenigsegg Jesko | Lease Purchase | £2,800,000 | £840,000 (30%) | 36 months | £1,680,000 (60%) | 8.9% | £21,351 |
| Ferrari LaFerrari | Lease Purchase | £3,000,000 | £1,200,000 (40%) | 36 months | £1,800,000 (60%) | 8.9% | £13,350 |
| McLaren P1 | Equity Release | £800,000 | £0 (0%) | 48 months | None | 9.9% | £20,252 |
| Pagani Utopia | Hire Purchase | £2,200,000 | £660,000 (30%) | 48 months | None | 8.9% | £38,250 |
The last two rows are the interesting ones. On the equity release row the price column is the sum released against a car already owned. The final row is the same Utopia with the balloon removed and the term stretched, which is what a long hold looks like.
Deposit and balloon pull in opposite directions and both are negotiable. A larger deposit reduces the capital outstanding from day one and lowers both the monthly cost and the total interest. A larger balloon lowers the monthly cost and raises the total interest, because more capital sits outstanding across the whole term.
At this level the balloon is also a residual judgement rather than a preference. A finance house setting 65 per cent on a Chiron is taking a view on where that car trades in three years, and it will want the evidence behind that view before it commits. Bring the auction comparables and the specialist opinion to the first conversation, not to underwriting.
A hypercar deal fails on the residual assumption far more often than on the borrower. A funder treating a limited-build car as a depreciating asset sets a balloon so low the payment becomes unworkable, and the buyer concludes the car cannot be financed at all.
Used, historic and Holy Trinity cars
Almost everything at this level is a used car, and the valuation runs the deal. On a new allocation the starting point is a list price and a manufacturer letter. On a historic car it is a market valuation, and at this end that valuation frequently sits well above what the car originally cost. A finance house pricing an F40 from a depreciation curve will produce a number that bears no relation to reality.
Provenance carries more weight than mileage. An unbroken ownership chain, matching numbers, original specification and marque certification will attract a materially better advance than an otherwise identical car with gaps in the file. A well documented ten thousand mile car is easier to fund than an undocumented delivery mileage one.
There is no upper age limit. A 2005 Carrera GT and a 2026 Tourbillon are both fundable. The structure differs because the residual on the older car is a known quantity and the residual on the newer one is still a forecast.
Most of what we finance at this level belongs to collector clients rather than to first-time buyers. A collection typically mixes hypercars, supercars, a classic or two and a luxury car for the road, and the finance across it is rarely one agreement: hire purchase on one car, lease purchase on another, equity release against the two owned outright. Refinancing one vehicle to release the deposit for the next is the most common single piece of hypercar finance work we do.
Eligibility and the process
The borrower is normally a limited company, a family investment company, a partnership or a high-net-worth individual borrowing for business purposes. A finance house wants four things established: who is borrowing and what sits behind them, how the payments are serviced, what the vehicle is and where it is held, and where the deposit is coming from. The source of funds question is answered properly at the outset or it delays drawdown later.
The process below is the same process we run on supercar finance, stretched to fit a longer valuation stage. Expect one to three weeks from first call to payout on a hypercar against two to five working days on a UK registered supercar, and expect approval to arrive in two parts: the borrower first, the vehicle second, once the inspection and valuation are in.
One person handles the file throughout. That is the whole of our customer service model: a customer taking a seven-figure finance agreement should not have to repeat the story to a second desk, and no customer here is passed to a queue of case handlers.
The first conversation
The car, the structure and the shape of the deal, plus a straight view on what an underwriting desk will make of the allocation, the specification and the history file.
Indicative terms from the panel
We take a view from the lenders most likely to write a seven-figure car well. Appetite varies sharply by marque and by price band, and nothing at this stage touches your credit file.
Formal submission
The deal goes in with the entity taking the agreement, filed accounts where a company is involved, and evidenced source of deposit.
Underwriting, inspection and valuation
Borrower and asset in parallel: provenance, ownership chain, mileage, any finance outstanding, and how thin the comparable evidence is for that variant.
Documents and payout
Funds go to the manufacturer against an allocation, a franchised dealer, a specialist, an auction house or an overseas seller. Allow one to three weeks end to end on an import.
Frequently asked questions
- Can you finance a hypercar?
- Yes. We arrange hypercar finance on Ferrari, Lamborghini, McLaren, Bugatti, Pagani, Koenigsegg, Aston Martin and Porsche limited-build cars through a panel of specialist lenders, on Hire Purchase, Lease Purchase or equity release. The requirement is an asset and income profile that supports a seven-figure commercial agreement.
- Where does the line sit between a hypercar and a supercar?
- Roughly at the point where production drops below a few hundred cars and price is set by scarcity rather than by cost. A 750S is a supercar, a P1 is a hypercar. For finance the line matters less than it sounds, because the same panel writes both and only the residual evidence and the deposit really change.
- Can I release equity from a hypercar I already own?
- Yes, and it is one of the most common things we arrange at this level. Equity release advances the difference between the car's current valuation and any balance still outstanding, secured on the car and repaid over an agreed term. Collectors use it to fund the next acquisition without selling the last one.
- Is hypercar finance different from supercar finance?
- Only in degree. Supercar finance and hypercar finance run through the same panel, the same structures and the same underwriting. What changes above the line is the deposit, which rises to 30 or 40 per cent, the term, which shortens, and the residual, which is argued from auction evidence rather than looked up. Classic car finance and luxury car finance work on the same principle.
- Why does the 50 per cent hand-back right not cover a hypercar deal?
- Because that right is voluntary termination under the Consumer Credit Act and it exists only on regulated consumer agreements. A hypercar bought through a company is a business agreement and unregulated, so the right does not attach to it. Where an agreement is regulated consumer credit, it is arranged through an FCA authorised broker partner. Early settlement terms are negotiated with the lender when the deal is structured.
The Hypercar Finance podcast
We talk through how hypercar deals are actually structured, why Lease Purchase dominates at the seven-figure end, and what a lender wants to see on a limited-build car before it will price the residual.
All episodesWhere to go next
- Specialist supercar finance for UK buyers
- Exotic car finance in the UK, and what the rate is built from
- Specialist luxury car finance on the marques that hold value
- Specialist classic car finance for the UK collector market
- Supercar financeThe four structures and worked examples below the hypercar line.
- Lease PurchaseHow a seven-figure balloon is set, evidenced and settled.
- Hire PurchaseFull repayment with no deferred sum, in detail.
- Equity ReleaseRefinancing a car you already own outright.
- Bugatti financeChiron, Veyron and the Tourbillon programme.
- Pagani financeUtopia, Huayra and the Zonda market.
- Koenigsegg financeJesko, Regera, Gemera and Agera RS.
- Finance calculatorRun deposit, term, rate and balloon on any price.
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.