Specialist supercar finance, structured around the asset

What is supercar finance and who is it for?

Supercar finance is a commercial credit agreement secured against a current or used supercar, 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 supercar 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. Supercar finance through us is most suitable for company directors funding the car through their limited company, self-employed buyers, high-net-worth individuals, and ultra-high-net-worth collectors building or refinancing positions across the major marques. We do not lend retail consumer credit; the route via a specialist commercial credit broker is most valuable for £100,000-plus supercar deals where the structure benefits from negotiation rather than off-the-shelf retail finance.

Which supercars we finance

The current UK supercar market is led by four marques. Ferrari S.p.A., from Maranello, supplies the 296 GTB and GTS (£241,560 list, plug-in hybrid V6), the Roma and Roma Spider (£170,000), the 12Cilindri and 12Cilindri Spider (£320,000), the Purosangue four-door SUV (£313,000), and the SF90 Stradale and Spider (£500,000). Lamborghini, from Sant'Agata Bolognese, supplies the Revuelto (£335,000), Urus and Urus Performante (£170,000 to £200,000), and the run-out Huracán Tecnica and STO (£200,000 to £250,000).

McLaren Automotive, from Woking, supplies the Artura plug-in hybrid (£190,000) and the 750S and 750S Spider (£225,000 to £245,000). Aston Martin Lagonda, from Gaydon, supplies the DB12 Super Tourer (£185,000), the Vantage (£165,000), DBX 707 SUV (£189,000), and the run-out DBS Superleggera (£225,000). Porsche AG, from Stuttgart, supplies the 911 Turbo S (£165,000), 911 GT3 RS (£185,000), Taycan Turbo S (£160,000), and the broader 911 / 718 / Cayenne / Panamera / Taycan / Macan range, all of which we routinely finance.

Bentley Motors (Continental GT, Flying Spur), Rolls-Royce Motor Cars (Ghost, Phantom, Cullinan, Spectre), Bugatti Automobiles, Pagani Automobili, and Koenigsegg Automotive are covered on the brand-specific pages and through our parallel hypercar finance work.

Supercar finance options: HP, Lease Purchase, PCP, and Equity Release

Supercar 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 supercar the buyer already owns.

Hire Purchase on a supercar spreads the full cost across the term with no balloon at the end. Ownership of the supercar 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, pegged to the projected residual value at the end of the term. This is the most popular structure for current Ferrari, Lamborghini, McLaren, Aston Martin, and Porsche supercar because the residual performance on the major marques 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, so the commercial lender takes back the residual risk at the end. PCP works on current-model Porsche, Aston Martin DB12 / DBX, Bentley Continental GT, and the broader volume supercar segment where the lender is comfortable setting a confident GMFV.

Equity Release is a refinancing arrangement secured against a supercar the owner already holds, releasing the difference between current market value and outstanding finance as cash. It is most useful on appreciating limited-build cars (765LT, Senna, Aston Martin Vanquish, Lamborghini Aventador SVJ) and historic Holy Trinity supercar where the asset has materially outrun the original purchase price.

Supercar finance examples and indicative monthly payments

A supercar 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 Ferrari 296 GTB priced at £241,560 with a 20 percent deposit (£48,312) over 48 months on a Lease Purchase with a 55 percent balloon (£132,858) and a 9.9 percent indicative interest rate produces a monthly payment of around £2,625. A Lamborghini Revuelto priced at £335,000 with a 20 percent deposit over 48 months on Lease Purchase with a 55 percent balloon (£184,250) at the same rate produces a monthly payment of around £3,640. A McLaren 750S priced at £225,000 with a 20 percent deposit on Lease Purchase over 48 months with a 55 percent balloon (£123,750) produces a monthly payment of around £2,445. An Aston Martin DB12 priced at £185,000 with a 20 percent deposit on PCP over 48 months with a 45 percent Guaranteed Minimum Future Value (£83,250) produces a monthly payment of around £2,325. A Porsche 911 Turbo S priced at £165,000 with a 15 percent deposit over 48 months on Hire Purchase produces a monthly payment of around £3,550.

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

Why are supercar finance rates higher than mainstream car finance?

Specialist supercar finance is priced higher than mainstream consumer car finance for three structural reasons. First, the commercial lenders willing to fund vehicles above £25,000 are specialist asset financiers, not the mainstream retail banks; they price for the asset complexity and the smaller pool of comparable resale data. Second, residual value on individual supercar models can vary widely depending on specification, mileage, dealer allocation history, and provenance, so lenders build a wider risk margin into the rate. Third, agreements at this level are unregulated commercial finance, so the structures are negotiated per deal rather than packaged off-the-shelf consumer products.

The flip side is that a specialist credit broker can structure a supercar deal that a mainstream lender simply will not consider, particularly on used Ferrari 488 Pista, McLaren 720S, Lamborghini Aventador SVJ, Aston Martin Vanquish, and Porsche 911 GT3 RS, where the lender needs genuine asset and provenance expertise.

Supercar finance questions answered

Supercar 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 the points we are asked most often by supercar buyers.

Can you get finance on a supercar? Yes, on the right structure and lender. We arrange supercar finance on new, used, and limited-build supercar from £25,000 upwards, in days rather than weeks. The exact options available depend on the vehicle, your circumstances, and the chosen credit agreement.

How do people finance supercars? The most common structures are Hire Purchase (for directors capitalising the car through a limited company), Lease Purchase (the dominant structure for £100,000-plus supercar because of the residual balloon mechanic), Personal Contract Purchase (current-model cars where the lender is comfortable setting a GMFV), and Equity Release (refinancing against an owned supercar to release capital). The right structure depends on the asset, the deal size, and the buyer's tax and cash-flow position.

What is the 50 percent rule on car finance? The 50 percent rule, formally voluntary termination under the Consumer Credit Act, applies only to regulated consumer credit agreements. The supercar 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 as part of the structuring conversation.