About Marsh Finance
Marsh Finance is a privately owned, independent UK lender with a strong reputation in the used prestige car finance market. Founded over 30 years ago, Marsh brings flexible underwriting to bear on vehicles and applicants that mainstream lenders might decline. They are particularly well regarded among specialist dealers and brokers for their speed of decision-making and willingness to consider complex income situations including self-employed, contractors and company directors. Loan sizes up to £500,000 make them suitable for serious prestige purchases.
Indicative Rates - October 2026
| Term | Hire Purchase (HP) 8.5% APR | Finance Lease 8.2% APR | Operating Lease 8.0% APR |
|---|---|---|---|
| 24 months | £6,818/mo | £6,798/mo | £6,784/mo |
| 36 months | £4,735/mo | £4,714/mo | £4,700/mo |
| 48 months | £3,697/mo | £3,676/mo | £3,662/mo |
| 60 months | £3,077/mo | £3,056/mo | £3,041/mo |
Example monthly payments on a £150,000 asset, no deposit. Indicative only - actual payments depend on deposit, status and lender criteria.
Marsh Finance: Lender Profile
Marsh Finance has operated as an independent consumer lender since the early 1990s and has built considerable expertise in used prestige car finance. Unlike captive lenders tied to manufacturer groups, Marsh applies common-sense underwriting that looks at the full picture of an applicant's financial position.
Key Stats
- Minimum loan: £5,000
- Maximum loan: £500,000
- Typical LTV: Up to 80%
- Typical term: 12–60 months
- Regulated by: FCA
- Parent group: Independent
Eligibility Overview
Open to private individuals and limited companies. Flexible on income type - employed, self-employed, contractors and company directors all considered. Minimum age 21. Vehicle must be UK-registered.
Pros
- Flexible underwriting for complex income situations
- Strong used prestige specialist - Porsche, BMW, Mercedes, Audi
- Faster decisions than many institutional lenders
- Independent with no manufacturer bias
- Considers applicants declined by mainstream lenders
Cons / Considerations
- Rates slightly higher than major bank lenders
- Maximum loan of £500,000 limits ultra-high-value assets
- Less well-known brand than Lloyds or Santander
Worked Example: £150,000 Ferrari 488
Worked Example: Ferrari 488 via Marsh 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) | 8.5% |
| Term | 48 months |
| Monthly payment (indicative) | £2,958 |
| Total amount payable | £171,974 |
All figures are indicative and subject to status, underwriting and lender criteria. A formal illustration will be provided before any agreement is signed.