Ferrari Finance

Ferrari Financial Services is convenient - it is available at the dealership at point of purchase. But it is one lender. Independent specialist finance brokers access multiple specialist lenders who compete for Ferrari business. For straightforward new car purchases where Ferrari FS is running a deposit contribution promotion, manufacturer finance can be competitive. For used cars, buyers with complex incomes, or buyers seeking the best overall rate, independent specialist finance is typically better.

Yes - some new Ferraris trade above list immediately due to allocation scarcity. Specialist lenders assess the current market value (which may be above list) rather than the manufacturer's price. This means the advance is based on what the car is actually worth, not what Ferrari charges - often a meaningful difference on allocation-limited models.

Ferrari Classiche is Ferrari's own certification programme for classic and older Ferraris, confirming the car is in original specification with matching numbers engine, gearbox, and body. A Classiche-certified Ferrari is worth significantly more than an uncertified equivalent, and specialist lenders recognise this - the advance rate on a Classiche-certified car is materially stronger.

Yes - used Ferrari finance from a private seller is possible from specialist lenders, though the lender panel narrows slightly versus a franchised or Ferrari-approved dealer purchase. Service history completeness is more critical for private-sale applications. We advise on the realistic advance rate before approaching any lender.

Typically 70-80% of current market value for a well-specified SF90 with full Ferrari main dealer service history. The SF90's strong demand and appreciation tendency in the used market means specialist lenders are confident advancing at the higher end of the range.