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.

Most specialist lenders require a minimum deposit of 20–25% for Ferrari vehicles. For a car in the £120k–£400k range, that equates to roughly £24,000–£100,000. Larger deposits often unlock lower rates and smaller monthly payments.

JBR Capital and Black Horse are typically the most competitive for prestige and supercar finance. JBR Capital specialises exclusively in high-value vehicles and has no blanket age restriction on exotic makes. Black Horse (Lloyds) offers strong rates on newer models. As an independent introduction service, Doulton Bridging Finance introduces you to specialists who compare the specialist lenders on our panel on your behalf.

Yes. Unlike high-street lenders, our specialist panel lenders consider low-production-run vehicles, older classics, and low-mileage examples on their individual merit. JBR Capital and Shawbrook Bank are particularly flexible on age. Lenders assess each vehicle individually - contact us with the details.

For straightforward applications with full documentation, indicative terms can be issued within 24 hours. Formal approval typically follows within 2–3 business days. More complex cases (self-employed, overseas income, high-value vehicles) may take slightly longer. The specialist we introduce you to manages the process and keeps you updated at every stage.