Supercar Finance
Independent finance for supercars and high-value prestige vehicles - Ferrari, Lamborghini, McLaren, Porsche, Bentley, Rolls-Royce, Aston Martin, Bugatti, Pagani, and every brand in between. Hire purchase, PCP, lease purchase, and equity release from the whole specialist lender market. We are a broker, not one lender - so we compare every option.
The right structure for every Supercar requirement
Hire Purchase
Own the car at end of term. Fixed monthly payments with no mileage restrictions. Capital allowances on business-use vehicles. The most popular structure for supercars - you build equity with every payment.
Lease Purchase (Balloon)
Lower monthly payments with a larger final balloon payment. You can pay the balloon and own the car, refinance the balloon, or sell the car and clear it. Maximises monthly affordability.
PCP (Personal Contract Purchase)
Manufacturer-style PCP available through specialist lenders. Guaranteed future value agreed upfront. Return, exchange, or pay the GFV at end of term. Well-suited to buyers who upgrade regularly.
Car Equity Release
Release capital from a supercar you already own outright. Borrow against the car's current market value - keep driving it while accessing the equity. Finance against collection vehicles.
Auction Finance
Pre-approved finance before you bid at Silverstone Auctions, RM Sotheby's, H&H Classics, Coys, and Bonhams. Know your limit before the hammer falls. We settle directly with the auction house.
Refinance
Refinance an existing supercar finance agreement - reduce monthly payments, extend the term, release equity, or move from a manufacturer finance product to a more competitive independent lender.
How it works
Car details
Make, model, variant, year, mileage, source (dealer, private, auction), service history completeness, and any modifications. We identify the right specialist lenders immediately.
Competitive terms
We approach specialist supercar lenders independently of any manufacturer finance arm. Decisions typically within 24 hours. We present HP, lease purchase, and PCP options with a direct cost comparison.
HPI and valuation
All lenders require an HPI check. For higher-value or older cars, a specialist valuation from a recognised appraiser confirms the advance rate.
Settlement
We settle with the dealer, auction house, or private seller. For refinance, we settle the existing lender.
Ready to discuss Supercar Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
What is the minimum value for supercar finance?
Most specialist supercar finance lenders begin at £25,000. Below this level, personal loan products are typically more cost-effective than asset-backed finance. JBR Capital (now part of Shawbrook) lend from £25,000 as do most specialist panel members.
Can I finance a supercar with complex or self-employed income?
Yes - specialist supercar lenders assess net worth, assets, and overall financial profile rather than relying on simple income multiples. Self-employed directors, dividend income, bonus-heavy City professionals, and multiple-income earners are regularly financed by specialist lenders where high-street lenders would decline.
Is manufacturer finance (Ferrari FS, Lamborghini FS, Porsche Bank) competitive?
Manufacturer finance is convenient and can be competitive on new cars with deposit contributions. It is one lender. An independent broker accesses multiple specialist lenders and can compare manufacturer finance against the independent market - we confirm which route offers the better overall deal for your specific situation.
Can I get supercar finance with a previous CCJ or adverse credit?
Some specialist supercar lenders will consider adverse credit applications where the overall asset quality, deposit level, and current financial profile are strong. We advise honestly on the realistic options before approaching any lender.
Can a limited company finance a supercar?
Yes - company supercar finance is common for business owners. Corporation tax capital allowances apply on qualifying business-use vehicles. The private use proportion creates a benefit-in-kind charge. We advise on the tax implications alongside the finance structure.
Explore related pages
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.