Prestige Car Finance
Finance for prestige and luxury vehicles - Bentley, Rolls-Royce, Mercedes-AMG, BMW M series, Jaguar, and high-specification Range Rover. The overlap between supercars and prestige cars: vehicles where value, specification, and brand carry a premium that requires specialist rather than mainstream finance.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
The right structure for every Prestige Car requirement
Bentley & Rolls-Royce Finance
Finance for the prestige pinnacle - Continental GT, Cullinan, Ghost, and Phantom. Specialist lenders who understand Bentley and Rolls-Royce values, Mulliner specifications, and the bespoke options premium.
Mercedes-AMG Finance
Finance for the full AMG range - GT 63 S, G63, C63, E63, SL 55 and 63, and GLE 63. AMG models are among the most financed prestige cars in the UK. Specialist lenders comfortable with AMG values.
BMW M Series Finance
Finance for BMW M2, M3, M4, M5, M8, and XM. CSL and Competition variants command premiums - specialist lenders recognise this. Independent finance typically stronger than BMW Financial Services for complex income profiles.
Range Rover & Defender Finance
Finance for Range Rover SV, Range Rover Sport SVR, and Defender 90/110 V8. The prestige SUV market - well-understood by specialist lenders with consistent secondary market values.
Jaguar F-Type Finance
Finance for the F-Type R, P450, and SVR - Jaguar's sports car and one of the most sought-after British prestige cars. Excellent residual values from a specialist finance perspective.
Electric Prestige Finance
Finance for Porsche Taycan, Mercedes EQS AMG, BMW iX M60, and Rolls-Royce Spectre. The electric prestige market - specialist lenders building understanding of EV residual values in the prestige segment.
How it works
Vehicle details
Make, model, variant, year, mileage, specification, and source.
Specialist panel
Specialist prestige and luxury car lenders. Decisions within 24 hours.
HPI check
Standard for all prestige car transactions.
Settlement
The lender settles with the dealer or seller.
Ready to discuss Prestige Car Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Finance rates and models compared
Indicative October 2026 lender rates and a worked example for each model. Rates depend on the car, deposit and your profile; the specialist we introduce you to can compare them for your case.
Mercedes-AMG Finance Rates
| Lender | Typical Rate | Min Deposit | Min Loan | Notes |
|---|---|---|---|---|
| JBR Capital | 8.9%–14.9% APR | 20% | £25,000 | Specialist supercar & prestige lender; no age restriction on classic exotics |
| Black Horse | 7.4%–11.9% APR | 15% | £10,000 | Lloyds Banking Group; competitive HP for cars up to 10 years old |
| Marsh Finance | 9.5%–16.9% APR | 20% | £15,000 | Strong appetite for high-value used vehicles; fast decisions |
| Close Brothers | 8.2%–13.5% APR | 20% | £20,000 | Established motor finance house; flexible on mileage & age |
| Shawbrook Bank | 9.9%–17.9% APR | 25% | £25,000 | Asset-backed lending; suits complex income structures |
Vehicle Price
£130,000
Deposit (20%)
£26,000
Amount Financed
£104,000
Monthly Payment
£2,633/mo
Total Repayable
£152,370
Total Interest
£22,370
Range Rover Finance Rates
Vehicle Price
£120,000
Deposit (20%)
£24,000
Amount Financed
£96,000
Monthly Payment
£2,430/mo
Total Repayable
£140,650
Total Interest
£20,650
Mercedes-AMG G63 Finance
The G63 AMG is among the most recognisable luxury SUVs in the world. Its unique combination of off-road heritage and urban prestige gives it extraordinary residual values. All five of our panel lenders finance the G63; rates are typically the most competitive in the Mercedes-AMG range.
Vehicle Price
£170,000
Deposit (20%)
£34,000
Amount Financed
£136,000
Monthly Payment
£3,443/mo
Total Repayable
£199,254
Total Interest
£29,254
Mercedes-AMG GT Finance
The AMG GT - available as coupe, roadster, and four-door - is Mercedes' most focused performance offering. Finance is broadly available; the four-door variant attracts the widest lender appetite due to its higher production volumes and broader market appeal.
Vehicle Price
£130,000
Deposit (20%)
£26,000
Amount Financed
£104,000
Monthly Payment
£2,633/mo
Total Repayable
£152,370
Total Interest
£22,370
Range Rover SV Finance
The Range Rover SV is the most exclusive variant of the world's best luxury SUV. Bespoke SV specification, limited production, and strong aspirational demand underpin excellent residual values - and broad lender appetite at the right deposit level.
Vehicle Price
£160,000
Deposit (20%)
£32,000
Amount Financed
£128,000
Monthly Payment
£3,240/mo
Total Repayable
£187,533
Total Interest
£27,533
More prestige car finance guides
Frequently asked questions
Is prestige car finance different from standard car finance?
Yes - mainstream car finance lenders assess prestige cars on standardised depreciation tables which often undervalue high-specification or rare variants. Specialist prestige lenders assess actual market value, including the premium for AMG specification, Mulliner packages, or limited production variants. The advance rate and terms are typically better from specialist lenders.
Can I finance a Mercedes G63 AMG?
Yes - the G63 is one of the most commonly financed prestige SUVs in the UK. Specialist lenders understand G-Wagon values well. The G63's strong global demand supports excellent advance rates.
What advance is available on a Range Rover SV?
Typically 75-80% of current market value for a well-specified, low-mileage Range Rover SV with full Land Rover service history. The Range Rover SV's bespoke specification adds to the lender's assessed value.
Is a BMW M2 financed the same as a standard 2 Series?
No - BMW M models are assessed by specialist lenders who understand the M-specific residual value premium. An M2 CS or M2 Competition with manual gearbox holds value significantly better than the standard variant - specialist lenders advance more accordingly.
Can I finance a prestige car through a lease?
Lease purchase (balloon payment structure) is the most common structure for prestige cars - providing lower monthly payments than straight hire purchase. The end-of-term balloon is set at the agreed future value of the vehicle.
Which lenders offer the best Mercedes-AMG finance rates?
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.
Can I finance a used or older model?
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.
How long does approval take?
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.
Is my personal credit rating important?
Yes, but it is not the only factor. Our lenders also consider the vehicle's value, deposit size, overall wealth, and income structure. High-net-worth individuals with complex income (dividends, retained profits, overseas earnings) are well served by our specialist panel. Our specialists present your case in the most favourable light before any credit search.
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