Can You Finance a Supercar with No Deposit?
True 100% LTV supercar finance is extremely rare and usually only available to high-net-worth clients with significant assets under management at a private bank such as Investec. For most buyers, a minimum deposit of 10–20% is required. However, there are ways to reduce the effective cash deposit:
- Part-exchange - Trading in an existing vehicle reduces the net cash deposit required.
- Equity release on another asset - Release equity from a property or another car to fund the deposit.
- Balloon / PCP structure - Reduces monthly costs but doesn't eliminate the upfront deposit requirement.
- Manufacturer deposit contribution - Some manufacturers offer deposit contributions on new cars through their own finance arms.
Worked Example: £120,000 McLaren - Low Deposit Structure
| Parameter | Detail |
|---|---|
| Vehicle | McLaren Artura (2024) |
| Purchase Price | £120,000 |
| Part-exchange value | £20,000 |
| Net Cash Deposit | £4,000 (effective 20% deposit via PX) |
| Finance Amount | £96,000 |
| Product | HP |
| Term | 48 months |
| APR | 10.5% |
| Monthly Payment | approx. £2,480 |