Specialist prestige vehicle finance for £25,000-plus deals

What is prestige car finance and who is it for?

Prestige car finance is a commercial credit agreement secured against a prestige vehicle, used to spread the cost of the car over an agreed term. It is most commonly arranged as Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release against a prestige vehicle the buyer already owns.

Because we arrange agreements at £25,000 and above, every deal sits outside the standard consumer-credit perimeter and is structured as unregulated commercial finance. Prestige car finance through us is most suitable for company directors capitalising the car through a limited company, self-employed principals, high-net-worth individuals, and collector clients refinancing across the prestige market segments.

Which prestige cars we finance

We finance the full prestige car spectrum. On the German performance side, Porsche AG supplies the 911 in all variants (Carrera, Turbo, GT3, GT3 RS, Turbo S), 718 Cayman GT4 RS, Cayenne Turbo GT, Macan, Panamera, and Taycan, plus the historic Carrera GT and 918 Spyder. Mercedes-AMG supplies the C / E / S 63, GT63, G63, and the broader AMG Black Series and SL roadster range. BMW M and Alpina supply the M5 CS, M8 Competition, XM, and Alpina B7.

On the British side, Aston Martin Lagonda supplies the DB12, Vantage, DBX 707, DBS Superleggera, and the Valkyrie. Bentley Motors supplies the Continental GT, Flying Spur, and Bentayga. Rolls-Royce Motor Cars supplies the Phantom, Ghost, Cullinan, and Spectre.

On the Italian side, Ferrari S.p.A. supplies the 12Cilindri, 296 GTB, Roma, Purosangue, and SF90 Stradale. Lamborghini supplies the Revuelto, Urus, and run-out Huracán. McLaren Automotive supplies the Artura and 750S. We also routinely refinance classic Porsche (911 Air-cooled, 964 / 993 / 996 / 997), classic Aston Martin (DB4 / DB5 / DB6, V8 Vantage, Vanquish), and classic Ferrari (308 / 328 / Testarossa, 360 / 430 / 458, F40, F50, Enzo, LaFerrari) where the asset has appreciated.

Prestige car finance options: HP, Lease Purchase, PCP, and Equity Release

Prestige car finance is structured as one of four credit agreements arranged through our panel of specialist commercial lenders: Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release against a prestige car the buyer already owns.

Hire Purchase spreads the full cost across the term with no balloon at the end. Ownership of the prestige car passes outright to you with the final payment, and the structure suits company directors capitalising the car through a limited company and buyers who want a clean exit.

Lease Purchase keeps monthly payments lower than Hire Purchase by deferring an agreed amount to a final balloon payment. This is the most common structure for current Porsche 911, Aston Martin DB12, Ferrari 296 GTB, Lamborghini Revuelto, and McLaren 750S because the prestige car residual market supports a meaningful balloon at 48 and 60-month terms.

Personal Contract Purchase is similar to Lease Purchase but with a Guaranteed Minimum Future Value set at the outset. PCP works on current Porsche, Aston Martin, and Bentley prestige cars where the commercial lender is comfortable setting a confident GMFV.

Equity Release is a refinancing arrangement secured against a prestige car the owner already holds, releasing the difference between current market value and outstanding finance as cash. It is the most useful structure on appreciating classics (air-cooled Porsche 911, DB5, F40) and limited-build modern prestige cars (Senna, 765LT, Aventador SVJ) where the asset has materially outrun the original purchase price.

Prestige car finance examples and indicative monthly payments

A prestige car finance example is a worked monthly-payment scenario calculated against a specific vehicle, deposit, term, interest rate, and residual value. The figures below are indicative only.

A Porsche 911 Turbo S priced at £165,000 with a 15 percent deposit over 48 months on Hire Purchase at 9.9 percent indicative interest rate produces a monthly payment of around £3,550. An Aston Martin DB12 priced at £185,000 with a 20 percent deposit on Lease Purchase over 48 months with a 45 percent balloon (£83,250) at the same rate produces a monthly payment of around £2,325. A Bentley Continental GT priced at £200,000 with a 20 percent deposit on Lease Purchase over 48 months with a 45 percent balloon (£90,000) produces a monthly payment of around £2,515. A Mercedes-AMG G63 priced at £170,000 with a 15 percent deposit on Hire Purchase over 60 months produces a monthly payment of around £3,065.

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

How specialist prestige finance differs from OEM and high-street finance

Specialist prestige car finance differs from OEM finance and high-street car finance in three respects. First, the commercial lender pool: we work with a panel of asset financiers comfortable with £25,000-plus commercial deals, not the retail-credit-banks that underwrite mainstream PCP. Second, the residual conversation: a specialist lender can underwrite a £200,000 Aston Martin DBS Superleggera or a £700,000 classic Aston Martin DB5 because the broker presents the asset and provenance, where a mainstream retail-credit product simply will not consider these cars. Third, the structuring: the agreement is negotiated per deal in cooperation with the underwriting team, rather than off-the-shelf.

The trade-off is the headline rate: specialist commercial finance typically prices higher than the OEM 0 percent or sub-3 percent offers because the lender has to price for the asset complexity and the absence of consumer-credit residual subsidy. For buyers comparing the two, the right comparison is total cost over the term including any dealer-side discount or contribution, not the headline APR.

Prestige car finance questions answered

Prestige car finance underwriting is asset-specific and structure-specific. The three questions below cover what we are asked most often by prestige car buyers.

Is Prestige Car Finance legit? You are likely seeing prestigecarfinance.com or Prestige Car Finance Limited in the search results. Those are separately-operated companies; we are Hypercar Finance, an independent specialist credit broker covering the prestige and luxury vehicle market across the UK. We arrange agreements via a panel of unregulated commercial lenders for £25,000-plus deals, structured as Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release.

What happened to Prestige Financial Services? Prestige Financial Services Limited was a UK car finance company that entered administration in 2018. The brand has been subject to various subsequent claims and complaints in the UK car finance market. Hypercar Finance is unconnected with Prestige Financial Services Limited or any related entity.

What is the 50 percent rule for car finance? The 50 percent rule, formally voluntary termination under the Consumer Credit Act, applies only to regulated consumer credit agreements. The prestige car finance agreements we arrange are unregulated commercial finance, so the 50 percent voluntary termination right does not apply. Early-settlement terms are agreed up front with the commercial lender.