About Arkle Finance
Arkle Finance is a specialist UK lender with a strong reputation for financing classic, prestige and non-standard vehicles where mainstream lenders cannot help. Named after the legendary racehorse, Arkle Finance brings an understated but highly effective approach to complex vehicle finance cases. They are particularly active in the classic car market, pre-1980 vehicles and low-volume manufacturers - areas where valuation and security assessment require genuine expertise. Rates are higher than mainstream lenders, reflecting the specialist nature of the assets and applicants they serve.
Indicative Rates - October 2026
| Term | Hire Purchase (HP) 9.5% APR | Finance Lease 9.2% APR | Operating Lease 9.0% APR |
|---|---|---|---|
| 24 months | £6,887/mo | £6,866/mo | £6,853/mo |
| 36 months | £4,805/mo | £4,784/mo | £4,770/mo |
| 48 months | £3,768/mo | £3,747/mo | £3,733/mo |
| 60 months | £3,150/mo | £3,128/mo | £3,114/mo |
Example monthly payments on a £150,000 asset, no deposit. Indicative only - actual payments depend on deposit, status and lender criteria.
Arkle Finance: Lender Profile
Arkle Finance has carved out a niche in flexible, specialist vehicle finance for assets and borrowers that fall outside the normal credit and vehicle parameters of mainstream lenders. They operate with a small, expert team and apply common-sense underwriting that values the asset and the borrower's overall financial position.
Key Stats
- Minimum loan: £10,000
- Maximum loan: £1,000,000
- Typical LTV: Up to 75%
- Typical term: 12–60 months
- Regulated by: FCA
- Parent group: Independent
Eligibility Overview
Private individuals and businesses. Particularly suited to classic car collectors, enthusiasts and investors. Non-standard assets, right-hand-drive imports and grey-market vehicles considered case by case. Flexible on income type.
Pros
- Specialist in classic and non-standard prestige vehicles
- Flexible underwriting - looks beyond credit scores
- Lends on pre-1980 classics where others won't
- Open to grey imports and non-standard modifications
- Knowledgeable team with genuine enthusiasm for the vehicles
Cons / Considerations
- Higher rates than mainstream lenders (specialist premium)
- Lower maximum LTV (75%) than some competitors
- Smaller team - may be slower on very complex cases
Worked Example: £150,000 Ferrari 488
Worked Example: Ferrari 488 via Arkle Finance
| Vehicle | Ferrari 488 (2023 plate) |
|---|---|
| Total asset value | £150,000 |
| Deposit (20%) | £30,000 |
| Amount financed | £120,000 |
| Product | Hire Purchase (HP) |
| APR (indicative) | 9.5% |
| Term | 48 months |
| Monthly payment (indicative) | £3,015 |
| Total amount payable | £174,709 |
All figures are indicative and subject to status, underwriting and lender criteria. A formal illustration will be provided before any agreement is signed.