United Kingdom / every model, every era

Ferrari Finance

Ferrari finance deals arranged across the United Kingdom on every car the marque has built, from the Roma, Purosangue and 296 GTB in production now to classic cars going back to 1948. Hire purchase, lease purchase, PCP, business contract hire and refinance, arranged through specialist lenders for companies and for individuals.

Start an enquiry Compare loan types

Indicative monthly cost

20% deposit / 48 months / 8.9% nominal

Hire purchase

£4,800

per month

Lease purchase: £2,485
Deposit: £48,312
Deferred payment: £132,858

Arithmetic, not an offer. No lender has seen your case.

Residual values

What your Ferrari has to be worth

Any agreement with a deferred final payment is a bet on what the car is worth at the end. Pick a current model or type in the price of a used or classic Ferrari, set the deposit, term and deferral, and this works out the number the car has to hit and what the monthly payment looks like while you get there.

Model Car value

Deposit

20%

Term

Deferred

The car must be worth

£132,858

in 48 months, to clear the final payment

Monthly, deferred: £2,485
Monthly, nothing deferred: £4,800
Deposit: £48,312
Retained value needed: 55% of list

If the Ferrari beats that number you keep the difference. If it misses, the shortfall is yours on lease purchase and the lender's on PCP, which is the whole reason the two are priced differently.

On a used car the target is usually far easier to clear, because the steepest part of the depreciation happened to the first owner rather than to you. That is the single most effective way to cut both the monthly payment and the risk on the closing value.

Computed at an indicative 8.9 per cent nominal rate from the manufacturer list price. It is arithmetic, not a valuation and not an offer. We do not publish a residual forecast for these cars because a forecast is only worth having when it is written against a specific car, its mileage, its specification and its history. Ask us and we will tell you what the lenders on the case are actually assuming.

Ferrari car finance

Ferrari finance deals: five ways to fund the car

The difference between these five comes down to one question: who takes the risk on what the car is worth at the end. That moves the monthly figure more than the interest rate does.

Every Ferrari, new and classic

Ferrari finance on all 151 cars, 1948 to date

A manufacturer scheme covers recent cars in an approved programme. That is a narrow slice of what exists. What a lender is actually pricing changes completely across the range, and it is worth knowing which one you are in before you pick a loan type.

Era	Years	Cars	What a lender is pricing
In production	In production	16	A published list price and a forecastable closing value.
Modern	2010 to 2025	33	The used market, not list. Steepest depreciation already taken.
Modern classic	1990 to 2009	28	Values flattened or rising. Condition and originality decide it.
Classic	1968 to 1989	41	An agreed valuation. Outside every manufacturer scheme.
Vintage	Before 1968	33	Provenance and documented history, valued case by case.

Ferrari finance deals arranged on the Ferrari Roma and Roma Spider, the Ferrari Portofino, the Ferrari California, the 296 GTB, F8 Tributo, SF90 Stradale, Ferrari Purosangue and 812 Superfast. The same applies to the classic cars behind them: the Testarossa, the F40, the Daytona and the 250 GT, whether you are buying from a dealer or a private sale.

Whatever is for sale, and whatever the latest car in the range turns out to be, we can lease or lend against it. Our loan type guides set out how each one works.

Every model, year by year

Residual values and Ferrari ownership

How lenders value a Ferrari

A lender pricing any car answers one question before all the others: what will this be worth when the agreement ends. On most marques that has a dull answer. Across this range it has several, and which one applies shapes the agreement more than the rate does.

The series cars are built in numbers, have a used market several years deep, and can be forecast. A lender sets a closing value and lends accordingly. The limited build cars are the opposite. Production runs are small, sales are infrequent, and there is very little to price against, so a lender will usually decline to forecast a closing value at all and amortise the full balance instead. Both are financeable. They are not financeable on the same terms.

A limited build car and a series car are two different lending propositions carrying the same badge.

Specification moves the number too. A car can leave the factory anywhere between list and comfortably beyond it, and a lender does not value the options at what they cost. That gap is why the deposit matters more on a heavily optioned car, and it is the most common reason a buyer spends the first eighteen months of a term in negative equity with every exit closed except riding it out.

Older cars work differently again. A 1987 328 GTS has no list price to lend against, so the advance is set against what it would fetch today, supported by condition, history and provenance. Values on the better cars have been stable or rising for years, which makes them straightforward to lend against once a lender is comfortable with the valuation. A different exercise from a new car, not a harder one.

Forged alloy wheel spoke and carbon ceramic brake disc lit from one side — Specification is where the deposit conversation actually happens.

Common questions

Ferrari finance questions

Can you get a Ferrari on finance?: Yes. Ferrari finance is arranged the same way as against any other high value car asset, through hire purchase, lease purchase, PCP, business contract hire, or a refinance against a Ferrari already owned. We arrange it through specialist lenders on every model the marque has built, for limited companies and for individuals, with no minimum advance.
How much does it cost to finance a Ferrari per month?: On a Ferrari 296 GTB at £241,560 with a twenty per cent deposit over forty eight months at an indicative 8.9 per cent nominal rate, hire purchase works out around £4,800 a month and lease purchase around £2,485 with £132,858 deferred to a final payment. A Ferrari Roma at £199,355 comes in lower on both. Those are arithmetic rather than an offer, and the payment table on this page runs the same calculation across the current range.
How long can you finance a Ferrari?: Terms of twelve to sixty months are normal, and forty eight is the most common. A longer term lowers the monthly payment and raises the total cost. On an older or limited build Ferrari a lender will sometimes want a shorter term, because it is less comfortable forecasting what the car is worth further out.
What deposit do you need to finance a Ferrari?: There is no fixed figure. Twenty per cent is a common starting point on a series car such as a Roma or a Portofino, and it is what the payment table on this page assumes. On a heavily optioned car, or one where the invoice runs well above list, a lender will want more, because the deposit covers the gap between what you paid and what the lender believes it could sell the Ferrari for.
Can you get a Ferrari on PCP?: Yes. PCP defers a final payment that the lender guarantees, so if the car is worth less than that figure at the end the shortfall sits with the lender rather than with you, and you can hand the Ferrari back instead of settling. That protection is priced in, so it is rarely the cheapest rate available. We arrange it on a business agreement directly, and on a regulated consumer agreement through an FCA authorised broker partner.
Does Ferrari finance its own cars?: The manufacturer operates its own finance scheme through official dealers, and it is a sensible first quote to get. It is written to a narrow set of criteria: recent cars inside an approved used programme, standard specification, and applicants who fit a fixed template. Cars and buyers outside that are where independent lenders do the work, which is most of what we arrange.
Can a limited company buy a Ferrari on finance?: Yes, and it is the majority of what we arrange. The agreement is written in the company name, the lender underwrites the company rather than only the individual, and directors guarantees are common. How the car is treated for tax, and the benefit in kind position if it is available for private use, are questions for your accountant and we will not pretend to answer them.
Can you finance a used or classic Ferrari?: Yes. We arrange finance across the whole range rather than only current models, including classic cars built in the 1980s and earlier. Buying a used Ferrari two or three years old takes the steepest part of the depreciation out of the agreement and is the single most effective way to reduce the monthly payment. An older car has no list price to lend against, so the advance is set against what it would fetch today, supported by condition, service history and provenance.
What is the 50 per cent rule on car finance?: It is a Consumer Credit Act right, called voluntary termination, and it does not attach to an unregulated business agreement, only to a regulated consumer one. Under a regulated agreement it lets a borrower hand the car back once half the total amount payable has been paid. Which type you sign decides whether the right is there at all, so ask us if it matters to you and we will tell you straight before anything goes to a lender.
Are you regulated by the Financial Conduct Authority?: We are not authorised or regulated by the FCA ourselves, and we do not hold ourselves out as being. Business finance entered into wholly or predominantly for business purposes sits outside the consumer credit regime and we arrange that directly. Where an agreement is regulated consumer credit, it is arranged through an FCA authorised broker partner, and that firm is responsible for the regulated activity and for any advice given on it. You will be told which of the two routes your case takes before anything is signed. You can confirm that for yourself on the FCA Register.
Are you connected to Ferrari?: No. We have no affiliation with Ferrari S.p.A. We are not a Ferrari dealer and not an authorised representative of the manufacturer or of any Ferrari financial services business. We are an independent finance company arranging lending against Ferrari cars, and we use the name only to describe what we do.

Next step

Get a Ferrari finance quote

We will come back with which loan types the car supports and what each one is likely to cost. If none of them work, that is the answer you get.

Start an enquiry Email us