Asset Finance

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 an introducer, not one lender - so our specialists compare every option.

Independent introduction serviceAccess to specialist lendersNo obligation

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Doulton Money Limited · No obligation enquiry

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.

£25k-£5m+

Supercar facilities

From 5.5%

APR indicative

24hrs

Typical decision

Specialist

Not one lender

Get a Quote 0204 6211776

Current rates · Updated November 2026Supercar Finance Rates 2026Specialist 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.

View the rate guide

Finance Options

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. The lender settles 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.

The Process

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

Our specialists 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

The lender settles with the dealer, auction house, or private seller. For refinance, the lender settles the existing lender.

Ready to discuss Supercar Finance?

Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.

Get a Quote Call 0204 6211776

More supercar finance guides

Lender rate pages

Each lender's full criteria, rates and our verdict, October 2026.

FAQs

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 - our specialists 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. Our specialists 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. Our specialists advise on the tax implications alongside the finance structure.

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