Ferrari Financial Services UK - Rates & Independent Alternatives

Ferrari Financial Services UK, operated through FCA Bank, offers PCP rates from approximately 4.9% APR and hire purchase from 5.5% APR on new Ferraris through approved dealers. These are subsidised rates - Ferrari contributes to the interest cost to keep monthly payments competitive and maintain brand desirability. Actual rates vary by model, dealership, credit profile, and deposit. Finance Lease starts from 5.2% APR and is typically structured for business users.

For used Ferraris, independently arranged HP finance through our panel typically matches or beats Ferrari Financial Services on rate - with the significant advantage of no mileage limits, any dealer or private sale, and company purchase availability. For new Ferraris, the subsidised 4.9% PCP is competitive on monthly cost, but you are accepting a guaranteed future value balloon and mileage restrictions that independent HP avoids. If clean ownership at term end is important, independent HP at 5.9% is often the better economic choice when you factor in the GFV settlement.

Ferrari Financial Services UK agreements are structured as personal finance arrangements and are not routinely available for company or SPV purchase. If you wish to hold a Ferrari as a company asset - for legitimate business use or as part of an asset holding structure - independent finance through our panel is the route. JBR Capital and Aldermore both offer business HP and Finance Lease for Ferrari purchases through any dealer, with personal director guarantees typically required.

Ferrari Financial Services PCP comes with mileage limits set by Ferrari (typically 5,000–10,000 miles per year depending on model), a Guaranteed Future Value fixed at the outset by Ferrari - not negotiable by the borrower - and a requirement to purchase through an approved Ferrari dealer. Credit requirements are strict, typically requiring an immaculate credit profile with no adverse history. At the end of the PCP term, you must either pay the GFV balloon to keep the car, return it to the dealer, or refinance the balloon - and if the car is worth less than the GFV, Ferrari bears the risk; if more, you benefit. Exceeding mileage limits results in excess mileage charges.

Ferrari Financial Services does not fund private sales. For used Ferraris from private sellers, specialist prestige dealers, or non-approved outlets, independent finance is your only option. JBR Capital and Aldermore both fund used Ferrari purchases from any legitimate source - private sale, specialist dealer, or auction. Rates start from 6.5% APR for cars up to three years old with a 20% deposit and prime credit. We can move quickly on private sales, which often require a fast decision.