About Shawbrook Bank
Shawbrook Bank is a specialist UK bank that has grown into a significant player in consumer and business asset finance. In 2024, Shawbrook acquired JBR Capital, cementing its position as a leading name in high-value vehicle lending. Shawbrook operates its own direct asset finance business alongside the JBR Capital brand, offering HP, Finance Lease and business finance products. Their independent bank status gives them underwriting flexibility that the major high street banks cannot match, while their capital base allows them to compete on rate for quality applicants and assets.
Indicative Rates - October 2026
| Term | Hire Purchase (HP) 8.2% APR | Finance Lease 7.9% APR | Operating Lease 7.7% APR |
|---|---|---|---|
| 24 months | £6,798/mo | £6,777/mo | £6,764/mo |
| 36 months | £4,714/mo | £4,694/mo | £4,680/mo |
| 48 months | £3,676/mo | £3,655/mo | £3,641/mo |
| 60 months | £3,056/mo | £3,034/mo | £3,020/mo |
Example monthly payments on a £150,000 asset, no deposit. Indicative only - actual payments depend on deposit, status and lender criteria.
Shawbrook Bank: Lender Profile
Shawbrook Bank was established in 2011 and has grown to become one of the UK's leading specialist banks. Following the acquisition of JBR Capital in 2024, Shawbrook now has direct expertise in both mainstream and exotic vehicle finance. They lend to consumers, SMEs and larger businesses across asset finance, property and business lending.
Key Stats
- Minimum loan: £10,000
- Maximum loan: £2,000,000+
- Typical LTV: Up to 80%
- Typical term: 12–60 months
- Regulated by: FCA / PRA
- Parent group: Independent (Shawbrook Bank Ltd)
Eligibility Overview
Private individuals and businesses. Self-employed and company directors considered. Both standard prestige and exotic vehicles accepted. FCA regulated with strong consumer protection standards.
Pros
- Owns JBR Capital - combined expertise in mainstream and exotic vehicles
- Strong capital base as a fully licensed bank
- Regulated by both FCA and PRA
- Consumer and business lending available
- Flexible underwriting - not a captive manufacturer lender
Cons / Considerations
- Rate slightly above some mainstream bank competitors
- Dual-brand model (Shawbrook / JBR) can be confusing
- Best rates reserved for strong credit profiles
Worked Example: £150,000 Ferrari 488
Worked Example: Ferrari 488 via Shawbrook Bank
| Vehicle | Ferrari 488 (2023 plate) |
|---|---|
| Total asset value | £150,000 |
| Deposit (20%) | £30,000 |
| Amount financed | £120,000 |
| Product | Hire Purchase (HP) |
| APR (indicative) | 8.2% |
| Term | 48 months |
| Monthly payment (indicative) | £2,941 |
| Total amount payable | £171,160 |
All figures are indicative and subject to status, underwriting and lender criteria. A formal illustration will be provided before any agreement is signed.