Luxury Car Refinance
Refinance an existing supercar or prestige car finance agreement - or release equity from a vehicle you own outright. Lower your monthly payments, extend your term, move from a manufacturer product to a more competitive independent rate, or access capital from a car sitting in your garage.
The right structure for every Luxury Car Refinance requirement
Refinance Existing Agreement
Move from a manufacturer finance product (Ferrari FS, Lamborghini FS, Porsche Bank, BMW FS) to a competitive independent lender. Reduce your interest rate, lower monthly payments, or adjust the term to better suit your current situation.
Car Equity Release
Release capital from a supercar or classic car you own outright. Borrow against the current market value of the vehicle while retaining full use of it. Common for collectors funding another purchase or business capital need.
Balloon Settlement Refinance
Approaching the end of a PCP or lease purchase with a balloon payment you want to extend? We refinance the balloon into a new HP agreement - giving you more time to own the car or release it for a new purchase.
Classic Car Equity Release
Finance against classic and collector cars you own outright - air-cooled Porsches, classic Ferraris, and appreciating rarities. Access liquidity from your collection without selling.
Collection Finance
Finance across a collection of multiple high-value vehicles in a single consolidated facility. Useful for serious collectors rationalising their finance arrangements across 3-10+ cars.
From Private Plate Keeper to Finance
Finance arranged on a car you have previously owned on a personal plate and now wish to return to financed ownership - for a newer model or to release equity for another purpose.
How it works
Current situation
Current finance outstanding (if any), settlement figure, car details, and what you want to achieve - lower payments, equity release, or balloon refinance.
Specialist assessment
We assess the current market value of the vehicle, the outstanding finance, and the equity available. We confirm what can be achieved before approaching any lender.
Refinance terms
New facility agreed with specialist supercar lender. Settlement of the existing finance handled by us simultaneously.
Completion
Old finance cleared. New facility live. Capital released or monthly payment reduced.
Ready to discuss Luxury Car Refinance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Can I refinance from Ferrari Financial Services to an independent lender?
Yes - this is one of the most common refinance scenarios. We settle the Ferrari FS balance and transfer the car to a new HP or lease purchase agreement with a specialist independent lender. The result is typically a lower rate and more flexible terms.
How much equity can I release from my supercar?
The available equity is the difference between the current market value and the outstanding finance (if any). We assess the vehicle's current value, agree a new finance facility of typically 70-80% LTV, and release the difference to you.
Can I refinance a classic car I own outright?
Yes - releasing equity from a classic car you own outright is straightforward. Specialist classic car lenders advance 65-75% of the specialist-assessed value. You receive the capital and continue to own and use the car.
What if I'm in negative equity on my current finance?
Negative equity makes refinance more complex. We assess the situation honestly - in some cases a top-up to clear the negative equity can be structured, but this depends on the vehicle's current value and your financial profile.
Can I use supercar equity release to fund a property deposit?
Yes - this is a legitimate and common structure. We release equity from the car, which funds the deposit on a property purchase, with the property then mortgaged conventionally. We coordinate both transactions.
Explore related pages
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.