On this page(7 sections)
Deposits run 15 to 20 per cent, terms run 36 to 60 months, and our indicative rate band is 8.9 to 10.9 per cent. The car finance calculator turns those into monthly payments on your own numbers, the worked prestige car finance examples below compute the same way, and a written quote is free.
- None
- Minimum deal size
- 15% to 20%
- Deposit range
- 36 to 60
- Term in months
- 8.9% to 10.9%
- Indicative rate band
The structure follows the car.
Part-exchange equity counts toward it.
The residual market supports a balloon across both.
Priced per deal, not from a rate card.
Indicative only and subject to underwriting. Not to be confused with the similarly named consumer lender, a Finance Limited company writing regulated consumer credit, which shares these search results and is unconnected to us.
Which cars count as prestige cars
Prestige cars are the marques a buyer chooses for the badge and the engineering rather than for transport, and the band is wide. At one end sit performance saloons and estates from Mercedes-AMG, BMW M and Alpina, and Audi RS. In the middle sit Porsche 911 and Panamera, Jaguar F-Type and Maserati. At the top sit Aston Martin, Bentley and the entry point of the supercar market.
For car finance purposes the definition is narrower and more useful: a prestige car is one with a resale market deep enough for a finance house to price a residual against, and a value high enough for a lender to take a view on. That is what separates prestige car finance from ordinary car finance, where a mainstream lender will write the deal happily and a broker adds little.
| Tier | Typical cars | What it changes |
|---|---|---|
| Performance saloons | Mercedes-AMG C63 and E63, BMW M5, Alpina B7 | Deep data, so residuals are priced from the book |
| Sports and GT | Porsche 911, Jaguar F-Type, Maserati GranTurismo | Manual and run-out cars beat the book figure |
| Luxury and grand tourer | Aston Martin DB12 and Vantage, Bentley Continental GT | Specification moves the valuation materially |
| Modern classic | Air-cooled Porsche 911, Aston Martin V8 Vantage | Valuation replaces the book entirely |
How prestige car finance works
A commercial finance house advances the price against security over the car. You pay a deposit, then fixed monthly payments across the term, and title passes on the final payment or once the deferred sum is settled. A business agreement is unregulated, so it is underwritten on accounts and assets rather than on a retail scorecard.
We are an independent credit broker with no shareholding in any finance house and no volume commitment to one, so the deal goes wherever it is best written. An enquiry is free, a quote is free, and indicative terms do not touch your credit file. That is the whole of the service: one person, a panel, and prestige car finance priced on its merits.
The prestige car finance options our panel writes
| Structure | Short name | Deferred sum | Where it fits |
|---|---|---|---|
| Hire Purchase | HP | None | A company purchase, or a car you will keep |
| Lease Purchase | LP | A balloon you stand behind | Higher-value cars where cash flow matters |
| Personal Contract Purchase | PCP | A guaranteed future value | Current models with deep resale data |
| Equity Release | ER | Set per deal | Refinancing a car you already own |
Contract purchase PCP is the only one of the four where the lender carries the residual, which is why it narrows as a car ages and Lease Purchase takes over.
Four types of prestige car finance cover the market. Hire Purchase spreads the whole balance and passes title on the final payment. Lease Purchase defers an agreed balloon and lowers the monthly payments. Personal contract purchase fixes that final figure as a guaranteed future value, so you can hand the car back instead of settling it. Equity release works backwards from a car you already hold.
The full mechanics of each of the four types sit on the product pages linked below, which is where that detail belongs rather than repeated here. Which of the finance options suits is set by how long you intend to keep the car, not by which one advertises the lowest monthly payment.
Funding a prestige car through a business
A large share of prestige car finance is written to a limited company rather than to an individual, and the structure matters more than the rate when it is. Hire Purchase puts the car on the balance sheet from day one, which is usually the starting point for a company purchase. A lease-based arrangement does not.
What the finance house wants from a company borrower is filed accounts or management figures, the director profile behind them, and the source of the deposit. Capital allowances, VAT recovery and the benefit in kind position are all real questions and all belong to your accountant rather than to us. Business car finance and personal car finance price similarly here; it is the paperwork that differs.
Refinancing a prestige car you already own
Refinance is the quietest half of this market and often the most useful. If the car is yours outright, equity release advances a proportion of its current value as cash, secured on the car, repaid over an agreed term. If there is finance outstanding, a prestige car finance refinance settles the existing agreement and rewrites the balance over new terms.
Owners refinance for three reasons: to release capital into a business, to restructure monthly payments that were set too high at the outset, or to settle a balloon that has fallen due on a car they would rather keep. The figure that decides all three is the outstanding balance on the existing car finance, so have it to hand at the first call.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Porsche 911 Turbo S | Hire Purchase | £165,000 | £24,750 (15%) | 48 months | None | 9.9% | £3,550 |
| Aston Martin DB12 | Lease Purchase | £185,000 | £37,000 (20%) | 48 months | £83,250 (45%) | 9.9% | £2,326 |
| Bentley Continental GT | Lease Purchase | £200,000 | £40,000 (20%) | 48 months | £90,000 (45%) | 9.9% | £2,515 |
| Mercedes-AMG G63 | Hire Purchase | £170,000 | £25,500 (15%) | 60 months | None | 9.9% | £3,063 |
| Aston Martin Vantage | Equity Release | £90,000 | £0 (0%) | 48 months | None | 10.9% | £2,322 |
On the equity release row the price column is the sum released rather than a purchase price. Indicative only and subject to valuation and underwriting.
Work the numbers on a car finance calculator
The car finance calculator on this site takes a price, a deposit, a term, a rate and a balloon and returns the monthly payments. It is free to use, it is the fastest way to see what actually moves the cost of car finance, and every worked figure on this page is produced by the same calculation rather than typed in by hand.
Two habits are worth forming with it. Compare the same car with and without a balloon before deciding, because the monthly saving and the total interest move in opposite directions. And model the deposit you can genuinely commit rather than the one that makes the number look best, because the deposit is what the lender will test first.
Frequently asked questions
- Which cars are prestige cars?
- Broadly the marques bought for engineering and badge rather than transport: Mercedes-AMG, BMW M and Alpina, Audi RS, Porsche, Jaguar, Maserati, Aston Martin and Bentley. For finance the practical test is a resale market deep enough to price a residual against and a value, which is where commercial rather than consumer lending starts.
- Are you connected to the consumer lender with a similar name?
- No. A separately operated consumer lender with a similar trading name appears in these search results and is regularly searched for by its own customers. We are Hypercar Finance, an independent credit broker arranging unregulated commercial finance. We have no connection to that firm and do not write regulated consumer credit.
- Can I put a prestige car through my company?
- Yes, and most of what we place at this level is written to a limited company. Hire Purchase places the car on the balance sheet from the outset, which is normally the starting point. The lender will want filed accounts or management figures, the director profile and the source of the deposit. Tax treatment is a question for your accountant.
- What is the 50 per cent rule on car finance, and does it apply here?
- The 50 per cent rule is voluntary termination under the Consumer Credit Act, which lets a borrower on a regulated agreement hand a car back once half the total payable has been paid. It applies to regulated consumer credit only. Prestige car finance arranged is unregulated commercial finance, so the right does not apply and early settlement is negotiated instead.
Where to go next
- Specialist luxury car finance on the marques that hold value
- Specialist supercar finance for UK buyers
- Specialist sports car finance
- Specialist classic car finance for the UK collector market
- Hire PurchaseThe structure most company purchases start from.
- Lease PurchaseHow the deferred balloon is set and settled.
- Personal Contract PurchaseGuaranteed future values explained end to end.
- Equity ReleaseRefinancing a car you already own, in detail.
- Porsche finance911, Panamera, Cayenne, Macan and Taycan.
- Aston Martin financeDB12, Vantage and DBX 707.
- Car finance calculatorPrice, deposit, term, rate and balloon in one place.
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.