Prestige Car Finance Guide

Prestige Car Finance Guide UK

A comprehensive guide to financing Bentley, Rolls-Royce, Aston Martin, Maserati, and other prestige marques in the UK.

What Counts as a Prestige Car for Finance?

Prestige car finance covers vehicles that command premium valuations and are typically purchased by affluent individuals or businesses. This includes Bentley, Rolls-Royce, Aston Martin, Maserati, Lamborghini, high-spec Mercedes-AMG, BMW M, and Porsche models valued above £60,000.

Key Lenders for Prestige Finance

Lender	Focus	Min Value
Investec	HNW private clients, portfolio	£150,000
JBR Capital	Prestige & exotic, flexible credit	£25,000
Shawbrook Bank	Prestige personal & business	£30,000
Close Brothers	Business prestige, fleet	£20,000
Black Horse	Mainstream prestige	£20,000

Products Explained

For prestige buyers, PCP is common where regular upgrade cycles are expected. HP suits buyers planning to hold the car for 4–5+ years. Finance Lease is popular for business users where tax deductibility of rentals is a priority.

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FAQs

Frequently asked questions

Can I finance a Rolls-Royce?

Yes - Rolls-Royce offers its own finance through RR Financial Services, and independent lenders such as Investec and JBR Capital will also consider these vehicles. LTV is typically 60–70% given the bespoke nature and niche resale market.

Are there mileage restrictions on prestige car finance?

HP and refinance products have no mileage restriction. PCP and Finance Lease agreements will include an agreed annual mileage with excess charges typically 10–20p per mile over.

Can a business buy a Rolls-Royce or Bentley on finance?

Yes - Finance Lease is the most common product for business purchase of prestige cars. Capital allowances on cars with CO2 above 50g/km are restricted, so lease rental deductibility is often preferred by accountants.

Prestige Car Finance Prestige Car Dealer Stocking Finance Prestige Car Fleet Finance Prestige Car Lease vs Hire Purchase Prestige Car PCP Finance Guide Supercar finance rates

Finance taken for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, vehicle and deposit. We act as a credit broker, not a lender. Your vehicle may be repossessed if you do not keep up repayments.