Supercar finance is one of the most specialist areas of vehicle finance in the UK. Whether you’re considering a Porsche 911, a Ferrari, a Lamborghini, a McLaren, or another high-value prestige vehicle, financing a supercar is a fundamentally different process to arranging finance for a standard car or commercial vehicle – and it typically requires access to lenders who specialise specifically in this market.

In this guide we explain how supercar finance works, what lenders generally look for, which finance structures are most commonly used, and how working with an independent broker like Percy Finance can help you access the specialist lenders who fund these purchases.

Supercar finance is a form of high-value vehicle finance designed for exotic, performance, and prestige vehicles. The term covers a broad range of vehicles, including supercars, hypercars, classic performance cars, and ultra-luxury vehicles. Eligibility criteria and lender appetite vary significantly across the market — speaking to a specialist broker is the most effective way to understand what funding options may be available for your specific vehicle and circumstances.

Like standard vehicle finance, supercar finance allows the cost of the purchase to be spread over an agreed term rather than being paid upfront. However, the amounts involved and the specialist nature of these assets mean that mainstream lenders rarely participate in this market — access to the right lenders is, therefore, critical.

You pay a deposit followed by fixed monthly instalments over an agreed term. At the end of the agreement, ownership of the vehicle transfers to you. HP is a straightforward structure that is popular for buyers who want to own the vehicle outright at the end of the term with no balloon payment or residual value decision to make.

You pay a deposit and monthly instalments, with a larger final optional payment at the end of the term if you wish to keep the vehicle. Alternatively, you may be able to return the vehicle or use any equity as a deposit on a future purchase, subject to the terms of your agreement. The suitability of PCP depends entirely on individual circumstances — always discuss the implications carefully with your broker before proceeding.

Purchasing a high-value vehicle through a limited company may be possible through asset finance structures such as hire purchase or finance lease, subject to lender criteria. The tax and accounting implications of doing so are complex — always seek advice from a qualified accountant before proceeding.

Specialist supercar finance lenders assess applications more holistically than standard vehicle finance providers. Given the values involved, the overall financial profile of the applicant is considered carefully alongside credit history. Factors that lenders generally take into account include:

Lenders will assess your income relative to the monthly payments and total amount payable. Documentation requirements vary by lender and application.

The level of deposit required varies by lender and individual application. Percy Finance will discuss deposit requirements with you as part of the initial conversation, based on your specific circumstances and the vehicle you are considering.

Credit history is assessed carefully as part of every application. Each case is considered on its individual merits by the lender. Finance is subject to status, and there is no guarantee of approval.

Lenders assess the make, model, age, mileage, and condition of the vehicle. The acceptability of any specific vehicle is determined by the lender at the time of application and cannot be guaranteed in advance. As well as the dealer who is supplying the vehicle.

This is something Percy Finance can explore with you based on your individual circumstances. Business purchases of high-value vehicles are typically considered through hire purchase or finance lease structures, subject to lender criteria. HMRC has specific rules around the tax treatment of luxury and high-value vehicles used through a business, and the benefit-in-kind implications can be material. Always seek advice from a qualified accountant before making any decision about purchasing a vehicle through a limited company.

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