On this page(7 sections)
The structure is what the product is built on. Above it the agreement sits outside consumer credit, so the finance is flexible: negotiated with the lender rather than taken off a shelf, held in a limited company name if you want, with no mileage cap and a term you choose. Below it we cannot help, and we say so here rather than on the fifth screen.
Deals here run to about £120,000. Deposits run 10 to 30 per cent, terms 24 to 60 months, and our indicative interest rates sit between 8.9 and 9.9 per cent. Run the car finance calculator, then ask for a written quote. Hypercar Finance is an independent credit broker and is not authorised or regulated by the Financial Conduct Authority, we do not arrange regulated consumer credit, and every agreement is unregulated commercial finance.
- None
- Minimum deal size
- 10% to 30%
- Deposit range
- 24 to 60
- Term in months
- 8.9% to 9.9%
- Indicative rate band
The structure follows the car.
Lowest where residual data is clean.
48 months is the most common finance shape.
What the examples compute at.
Indicative only and subject to commercial lender underwriting. All four car finance products are open in this band, which is not true higher up.
Where the line falls between a sports car and a supercar
| Tier | Price band | Cars in the band | Which asset finance applies |
|---|---|---|---|
| Sports car | roughly £25,000 to £120,000 | Porsche 718 Cayman, Lotus Emira, Alpine A110, BMW M4, Jaguar F-Type | All four finance products |
| Overlap | £120,000 to £150,000 | Porsche 911 GTS, 718 Cayman GT4 RS | Either finance panel, confirmed on the call |
| Supercar | £150,000 upwards | Ferrari 296 GTB, Lamborghini Revuelto, McLaren 750S | Our supercar finance page |
| Classic | Collector market pricing | Air-cooled 911 in 964 or 993 form | Our classic car finance page |
A sports car is a performance road car built in series at a price and volume that keeps it usable; a supercar sits above it. No official body draws that line, so for finance we draw it where our lender panel does, on price and residual data rather than badge.
For sports car finance the split is real rather than cosmetic. Down here a lender has thousands of comparable transactions, the trade guides and residual guides agree, and a guaranteed future value can be set with confidence. Above £150,000 volumes thin out, specification moves value, and underwriting shifts from data to judgement. That is why all four finance products are open on these cars and not all of them above.
How sports car finance works
Sports car finance works by a commercial lender advancing the price against security over the vehicle. You pay a deposit and an agreed monthly amount across the term, and title passes on the final payment or on settlement of the balloon. It is a commercial credit agreement, not a consumer one, and that is what makes the finance flexible.
Most of our customers in this band are company directors and self-employed principals. They call a finance broker rather than a dealer desk because the retail finance product is a fixed shape: a consumer contract at a set term with a mileage cap. Commercial car finance is negotiated. The term is built around a cash-flow event, the loan to value is argued rather than assumed, and financing it in the company name is routine.
Sports car finance underwriting looks at three things. The vehicle: model, specification, mileage, service history and how clean the residual data is. The borrower: filed accounts and the financial position behind them, or trading history for a self-employed principal. The structure: whether deposit and balloon keep the lender covered throughout. You receive a written quote with indicative terms and details, usually inside a working day.
The finance is negotiated rather than taken off a shelf. That is the whole reason to be up here.
Sports car finance options
| Structure | Balloon | At the end | Suits |
|---|---|---|---|
| Hire Purchase | None | Title passes with the final payment | Directors capitalising the car |
| Lease Purchase | A sum you stand behind | Yours once the balloon is settled | The most common shape at 48 months |
| Personal Contract Purchase | A guaranteed future value | Hand it back, or settle the value | Buyers who want the lender to carry residual risk |
| Equity Release | Set by the sum released | You already own the car | Capital from a car held outright |
All four car finance options are available here, which is not true further up the market. Hire Purchase spreads the full balance with no balloon, gives the lowest total cost of credit, and carries the highest loan to value. Lease Purchase defers an agreed amount to a balloon you stand behind, keeps the monthly figure down, and is the shape we write most in sports car finance at 48 months.
Personal contract purchase works better here than anywhere else on this site: a lender with thousands of comparable transactions can set a guaranteed future value and carry the residual risk. Equity release is a refinance of a car you already own outright, turning the difference between its value and any outstanding balance into a cash amount. The full mechanics of these finance products sit on their own pages, and the finance calculator prices any combination of deposit, term, interest rate and balloon.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Porsche 718 Cayman GTS 4.0 | Lease Purchase | £75,000 | £15,000 (20%) | 48 months | £30,000 (40%) | 9.9% | £1,007 |
| Lotus Emira V6 | Lease Purchase | £92,000 | £18,400 (20%) | 48 months | £36,800 (40%) | 9.9% | £1,235 |
| Porsche 911 Carrera | Lease Purchase | £102,000 | £20,400 (20%) | 48 months | £45,900 (45%) | 9.4% | £1,255 |
| Jaguar F-Type R75 | Lease Purchase | £110,000 | £27,500 (25%) | 48 months | £38,500 (35%) | 9.4% | £1,405 |
| BMW M4 Competition | Hire Purchase | £95,000 | £14,250 (15%) | 60 months | None | 9.9% | £1,712 |
| Alpine A110 S | Hire Purchase | £60,000 | £12,000 (20%) | 48 months | None | 9.9% | £1,215 |
| Toyota GR Supra 3.0 | Hire Purchase | £58,000 | £11,600 (20%) | 60 months | None | 9.9% | £984 |
Indicative only and subject to lender underwriting on each finance application. Each figure computes from the deposit, term, balloon and interest rate in its own row.
The sports cars we fund, from Cayman to GT-R
Porsche is the marque we finance most by volume: the 718 Cayman and Boxster across base, S and GTS 4.0 specifications, and the 911 Carrera where the price stays inside the sports car finance band. Lotus supplies the Emira in V6 and i4 form, and Jaguar the F-Type in P450 and P575 R specification, including the run-out R75.
The German cars are the largest single block of sports car finance by deal count: BMW M2, M3 and M4 Competition, Mercedes-AMG SL 43 and SL 55, Audi Sport's TT RS and the entry-specification R8 V10. Beyond Europe, Toyota supplies the GR Supra, Nissan the R35 GT-R, Ford the Mustang GT and Dark Horse. Alpine's A110 holds value unusually well and underwrites better than its price suggests.
Porsche
911 Carrera Finance
From £102,000394 bhp
Porsche
718 Cayman GT4 RS Finance
From £113,000493 bhp
Jaguar
F-Type R 75 Finance
From £85,000567 bhp
Nissan
GT-R Nismo Finance
From £150,000592 bhp
Lotus
Emira Finance
From £85,000400 bhp
Ford Performance
Mustang Dark Horse Finance
From £62,000447 bhp
Mercedes-AMG
AMG GT Finance
From £140,000577 bhp (GT 63)
Maserati
GranTurismo Finance
From £125,000542 bhp (Trofeo)
A cross-section rather than the full list. Prices shown are guide list prices and differ from the used values finance is written against, and residual guides move faster than list prices. Cars at the top of the range can fall either side, which we confirm on the call.
Buying through a limited company
Company sports car finance is written in the name of a limited company rather than an individual, with the vehicle held as a company asset and payments from company funds. It is the most common reason customers in this band call a commercial broker: the retail finance products a dealer offers are written for individuals.
The finance agreement is underwritten against the company, usually with a director's guarantee where the company is small or recently incorporated. Hire Purchase puts the asset on the balance sheet from the start, which most accountants prefer, and lease purchase and personal contract purchase are open to companies too. Financing a sports car this way means assessment on filed accounts and the financial year rather than on a consumer scorecard. The benefit in kind and capital allowance position is for your accountant; we arrange the finance, not the tax advice.
What a company application turns on
- The limited company that will be named on the finance agreement
- Filed accounts and trading performance, not a consumer scorecard
- The director profile, and a guarantee on newer companies
- Which asset finance product you want, and the loan to value the lender will support
- The source of the deposit
Classic and modern-classic sports cars
Some sports cars stop following the depreciation curve and are priced by the collector market instead. An air-cooled Porsche 911 in 964 or 993 form, a Jaguar E-Type, an early Aston Martin V8 Vantage: these are classic cars, and financing them changes: classic car finance is a different product. Valuation replaces residual data in the finance decision, an agreed value insurance policy is usually required, and that page covers the auction and provenance mechanics.
Modern classics sit between the two. A manual 911 Carrera or a run-out Jaguar F-Type R75 can hold value well enough that a refinance or equity release makes sense, or that a lease purchase balloon can be set higher than the same money supports elsewhere. Where a car straddles a line we say which panel fits, and where it is a prestige saloon or prestige coupe rather than a sports car, prestige car finance is the better route. The sports car finance FAQs cover the rest.
Frequently asked questions
- Is there a minimum for sports car finance?
- Because we write unregulated commercial finance only. A business agreement sits outside the consumer credit perimeter, which is what lets the term, the loan to value and the settlement basis be negotiated. A smaller agreement to an individual is regulated consumer credit, which we arrange through an FCA authorised broker partner.
- Is a Porsche 718 Cayman a sports car or a supercar for finance purposes?
- A sports car. For finance our panel treats the sports car tier as roughly £25,000 to £120,000 and the supercar tier as £150,000 upwards, so the 718 Cayman, the base 911 Carrera, the Lotus Emira and the Jaguar F-Type sit on this page, while the 911 Turbo S, the GT3 RS and the Ferrari and McLaren range are covered by our supercar finance page.
- Can I buy a sports car through my limited company?
- Yes, and company finance is the most common route in this band. The agreement is written in the company name and underwritten against filed accounts and the financial position behind them, usually with a director's guarantee on newer companies. Hire Purchase puts the car on the balance sheet and the finance in the company name, and the tax position is for your accountant.
- How quickly can a sports car finance quote be turned around?
- A straightforward company or self-employed application on a current car with clean residual data is agreed in principle inside a working day, and you receive the quote in writing. Funds release once the invoice, any required vehicle inspection and the insurance are in place, with the lender's interest noted. A private-sale purchase takes longer, because the lender verifies the vehicle and checks for finance outstanding against it first.
- Can I settle a sports car agreement early?
- Yes. Because a sports car finance agreement is commercial rather than regulated consumer credit, early-settlement terms are negotiated at the outset rather than set by statute, so we agree the basis before anything is signed. If you expect to change the car partway through, say so at the structuring stage and we choose a lender to match.
Where to go next
- Specialist supercar finance for UK buyers
- Specialist classic car finance for the UK collector market
- Independent prestige car finance
- Specialist luxury car finance on the marques that hold value
- Hire PurchaseNo balloon, lowest total cost of credit, title passing on the final payment.
- Lease PurchaseA buyer-owned balloon that keeps the monthly payment down across 48 months.
- Personal Contract PurchaseLender-guaranteed future values work better in this band than anywhere above it.
- Equity ReleaseFree capital from a performance car you already own outright.
- Porsche finance718 Cayman and Boxster, 911 Carrera, and the wider Stuttgart range.
- Porsche PCPGMFV-backed structures on current 718 and 911 Carrera specifications.
- Jaguar financeF-Type P450, P575 R and the run-out R75 cars.
- Lotus financeEmira V6 and i4, plus Evora and Exige refinance.
- Finance calculatorModel deposit, term, rate and balloon side by side before enquiring.
- Finance FAQsEligibility, timescales, and how our lender panel underwrites.
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.