Supercar Finance Rates 2026 — Updated October 2026
- Specialist supercar finance range
- 5.5%–8.5% APRSpecialist supercar finance range
- Shawbrook-backed — market leader
- JBR CapitalShawbrook-backed — market leader
- Typical specialist maximum
- Up to 70% LTVTypical specialist maximum
- Last updated
- October 2026Last updated
Specialist supercar finance rates in 2026 range from 5.5% to 8.5% APR depending on the vehicle value, loan-to-value ratio, the borrower's profile, and whether the finance is hire purchase (HP) or a bespoke structured product. This is the only dedicated supercar finance rate guide published by a UK broker — mainstream lenders do not offer this product and competitor content is thin or absent.
Supercar Finance Rates by Vehicle Value — October 2026
Swipe the table sideways to see every column.
| Vehicle value | HP rate range (APR) | Typical LTV | Notes |
|---|---|---|---|
| £50,000–£100,000 | 6.0%–8.5% | Up to 70% | Entry-level supercar bracket. Ferrari 296, Porsche 911 range. Rate depends on profile and deposit. |
| £100,000–£250,000 | 5.5%–7.5% | Up to 70% | McLaren, Ferrari Roma, Lamborghini Huracán range. Larger loan = better rate competition. |
| £250,000–£500,000 | 5.5%–7.0% | Up to 65%–70% | Ferrari SF90, Lamborghini Urus range. Premium bespoke products at better rates. |
| £500,000+ | 6.0%–8.5% | Up to 60%–65% | Bugatti, Ferrari LaFerrari Aperta, limited editions. Private bank and specialist lender bespoke. |
| Classic car (pre-1990) | 6.5%–9.0% | Up to 60% | Older or classic supercars — higher rate reflects asset volatility and specialist valuation. |
| Expat / non-UK resident | 6.5%–8.5% | Up to 60%–65% | See DBF Expat Supercar Finance section. Available from selected specialist lenders. |
What determines your rate
Vehicle value
Larger loans attract more lender competition and better rates — the sweet spot for the sharpest supercar finance rates is £150,000–£500,000. Below £50,000, specialist supercar lenders rarely compete — standard HP at higher rates applies. Above £500,000, private bank and bespoke lender facilities at competitive rates are available.
Deposit (LTV)
A larger deposit directly reduces the rate in specialist supercar finance, as in all asset-secured lending. At 30%–40% deposit (60%–70% LTV), rates are at the sharper end. At 10%–20% deposit (80%–90% LTV), both rate and lender availability reduce significantly.
Vehicle age and specification
Current-generation supercars (5 years old or less) attract the best rates — residual values are well-documented and depreciation curves are understood by specialist lenders. Very new limited editions may require specialist valuation. Pre-1990 classics carry higher rates due to value volatility.
Borrower profile
Income, credit profile, existing finance commitments, and net worth all affect the rate. A high-net-worth borrower with proven income and minimal existing finance accesses the sharpest rates. JBR Capital and Close Brothers both assess the full borrower profile, not just income multiples.
HP vs bespoke structured product
Standard hire purchase is the most common structure. Some specialist lenders (particularly for £250,000+ vehicles) offer bespoke structures — balloon payment HP, tailored amortisation schedules, or deferred capital products. These can lower the monthly payment compared to straight-line HP on high-value vehicles.
Worked cost example
- Monthly payment (HP, capital + interest)
- £2,959/month
- Total interest over 4-year term
- £16,037
- Total repayable
- £142,037
- Monthly saving over 4 years
- £238/month (£11,424 over term)
Scenario: £180,000 Ferrari F8 Tributo. Finance: £126,000 (70% LTV). 4-year term. HP at 6.0% APR.
At a lower rate of 5.5% APR (with larger deposit — 35% / LTV 65%)
Finance amount: £117,000. Monthly payment: £2,721. Total interest: £13,603.
Rate note: 6.0% APR on £126,000 over 4 years costs significantly less in total than 8.5% APR.
8.5% APR on same: monthly £3,106. Total interest: £23,069. Additional cost vs 6.0%: £7,032 over term.
Quotes from 130+ lenders, same working day
The figures above are indicative and describe the best case. Send your own scenario and we will come back the same working day with terms from the lenders that actually fit it.
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Rate context and outlook
Bank Rate is 3.75% after the 17 September hold. Variable business facilities (revolving credit, invoice finance) move only with Bank Rate.
Fixed-rate hire purchase and leases are funded against swap rates, so some funders may nudge fixed pricing up after the September swap move. Quotes are typically held for 30 days.
Reviewed by David Doulton, Director, Doulton Bridging Finance — over 20 years in property finance. Last reviewed 1 October 2026. Doulton Money Ltd t/a Doulton Bridging Finance, FCA No. 814533.
Frequently asked questions
What finance options are available for a supercar?
The primary options are: hire purchase (HP) — own the car at the end of the term; PCP (Personal Contract Purchase) — lower monthly payments with an optional balloon at the end; lease (contract hire) — never own the car, monthly rental; and bespoke structured products for very high-value vehicles. HP is the most common for supercars over £100,000 as it provides ownership and allows modifications without restriction.
Can I get supercar finance with bad credit?
It is difficult but not impossible. Specialist lenders assess the full profile — if the borrower has significant net worth, property equity, or other assets alongside a credit issue, some specialist lenders can accommodate. The rate will be higher and the deposit requirement greater. Discuss your specific credit situation before any formal application — we advise on what is realistically achievable.
What is the minimum deposit for specialist supercar finance?
Most specialist supercar finance lenders require a minimum deposit of 20%–30% for vehicles above £50,000. The sharper rates (5.5%–6.5% APR) require deposits of 30%–40%. Below 20% deposit, lender choice narrows significantly and rates increase.
Can I finance a supercar as a non-UK resident?
Yes — DBF has a specific Expat Supercar Finance service. Specialist lenders with appetite for non-resident supercar finance are accessed through our panel. The deposit requirement is typically higher for non-residents (30%–40%). See our Expat Supercar Finance section for full detail.
Do I need specialist supercar insurance alongside specialist finance?
Yes — mainstream motor insurers typically decline supercars above £100,000 or impose very high premiums. Specialist supercar insurers (Hagerty, JBR Capital's insurance referral panel, specialist brokers) provide appropriate agreed-value policies. Some specialist finance lenders require evidence of agreed-value supercar insurance as a condition of the finance.
Can a new business get finance?
Yes, though many funders want 1–2 years of trading or a larger deposit; directors' personal credit matters more for young businesses.
Is VAT charged on hire purchase?
On HP, VAT is paid upfront with the deposit and can usually be reclaimed; on leases it is added to each rental.
What is a balloon payment?
A larger final payment that lowers the monthly cost; you pay it, refinance it or return the asset, depending on the product.
Do I need to put down a deposit?
Usually 0%–20%, depending on the asset, its age and your trading history.
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Independent whole-of-market advice · FCA No. 814533