Why the Ferrari F8 Tributo's Finance Picture Has Changed
When Ferrari launched the F8 Tributo in 2019, it was a fresh model with a conventional new-car depreciation profile. By the time production ended in 2023 - superseded by the 296 GTB with its hybrid V6 powertrain - the F8's position had shifted. As the last naturally aspirated twin-turbo V8 mid-engine Ferrari in the conventional sense, the F8 occupies an increasingly distinct position in the collector market.
For finance purposes, this matters. Independent lenders who understand Ferrari residuals - particularly JBR Capital - will assess a low-mileage, correctly specified F8 Tributo differently from a standard used supercar. The post-production premium is building, especially for Spider variants and factory Tailor Made examples. Hire purchase, which delivers outright ownership, is the right structure if you believe in the F8's long-term value - it gives you full control over when and at what price you sell.
Ferrari F8 Finance - Three Routes, Three Outcomes
New via Ferrari FS - PCP
5.5% APR est. ~£2,800/mo
- Vehicle value: £220,000
- Deposit: 30% (£66,000)
- Term: 36 months
- GFV / balloon: ~£88,000
- Ownership at end: Optional - pay balloon or return
- Mileage limit: Yes - set by Ferrari
- Available to: Approved dealers only; personal
New via DBF Panel - HP
5.9% APR est. ~£3,100/mo
- Vehicle value: £220,000
- Deposit: 25% (£55,000)
- Term: 36 months
- GFV / balloon: None - HP structure
- Ownership at end: Full - car is yours outright
- Mileage limit: None
- Available to: Any dealer; personal or company
Used F8 (2019–2022) - HP
6.5% APR est. ~£2,400/mo
- Vehicle value: £160,000
- Deposit: 20% (£32,000)
- Term: 36 months
- GFV / balloon: None - HP structure
- Ownership at end: Full - car is yours outright
- Mileage limit: None
- Available to: Any dealer or private sale; company
Monthly payment estimates are illustrative only, calculated on indicative rates with simple amortisation. Actual payments will vary by exact rate, fees, term, and structure. All figures subject to individual lender assessment.
Ferrari F8 Finance Rates - All Options, October 2026
| Product | Provider | From APR | Min Deposit | Term | Ownership |
|---|---|---|---|---|---|
| New F8 - PCP | Ferrari Financial Services | 5.5% | 30% | 24–48 months | Optional (pay GFV balloon) |
| New F8 - Finance Lease | Ferrari Financial Services | 5.2% | 20% | 24–48 months | Lender (business use) |
| New F8 - HP (any dealer) | DBF Panel (JBR Capital) | 5.9% | 20% | 12–60 months | Full (yours at end) |
| Used F8 (0–3 years) - HP | DBF Panel (JBR Capital) | 6.5% | 20% | 12–60 months | Full (yours at end) |
| Used F8 (3–5 years) - HP | DBF Panel (JBR Capital) | 7.0% | 25% | 12–48 months | Full (yours at end) |
| Company / SPV purchase - HP | DBF Panel | 6.2% | 20% | 12–60 months | Company (director guarantee) |
The F8 Tributo as an Appreciating Asset
Production Ended 2023 - What That Means for Finance
Ferrari F8 Tributo production ceased in 2023, making it the final naturally aspirated twin-turbo V8 Ferrari in the traditional mid-engine format before Ferrari's electrification programme changed the powertrain profile of the line. The F8 Spider, in particular, occupies a similar position to earlier spider variants that have shown significant appreciation post-production.
For independent lenders with Ferrari expertise - specifically JBR Capital - this post-production collectibility context supports stronger residual value assessments, which can translate into better loan-to-value terms than a generic lender's depreciation model would deliver. We present this context to lenders as part of our broker submission, particularly for well-specified examples with low mileage and complete service history.
If you are acquiring an F8 Tributo partly as an investment, hire purchase is the correct structure. It gives you outright ownership and unrestricted freedom to sell during the term - you are not tied to a GFV balloon or dependent on returning the car to a dealer to crystallise any gain.