Specialist
Performance Car Finance
For buying and refinancing performance cars
*Minimum loan size of £50,000 for individuals, and £25,000 for business purchases
For buying and refinancing performance cars
*Minimum loan size of £50,000 for individuals, and £25,000 for business purchases
At Clifton Private Finance, we offer high-quality performance car finance solutions tailored for both UK and international clients. Whether you are looking to purchase a luxury car for business use or personal enjoyment, our flexible finance options cater to a range of requirements.
We provide bespoke finance solutions for prestigious performance car brands, including; BMW, Mercedes-Benz, Audi, Porsche, Jaguar, Bentley, Land Rover, Aston Martin, Lotus, and McLaren, among others.
Our services include:
We leverage our extensive market knowledge to deliver enhanced, bespoke, or exclusive terms for your performance car finance needs. Call us on 0203 900 4322 to discuss your requirements or book consultation below to learn more about how we can help finance your dream car.
Performance car finance is designed for individuals or businesses looking to purchase high-end, luxury vehicles. It differs from standard car finance options by catering to higher loan amounts, ranging from £10,000 to £1 million or more, reflecting the premium nature and higher cost of these vehicles. Specialist lenders with expertise in luxury and performance vehicles offer tailored terms and flexible repayment options to suit a variety of financial circumstances.
Performance car finance involves borrowing a sum to buy a high-end vehicle, secured against the car itself. The vehicle serves as collateral until the loan is repaid in full. This arrangement allows buyers to enjoy immediate use of the vehicle while making regular monthly payments.
Performance car finance is different from regular car finance in several ways:
Your credit score plays a significant role in securing favourable terms. The higher your credit rating, the lower the interest rate you can obtain. For performance car finance, the following factors will be considered:
You can finance both new and used high-performance cars in the UK. While the options may be similar, certain factors will affect the terms and interest rates offered:
Several finance options are available to help you get behind the wheel of a performance car. Each type has its own advantages and considerations:
With hire purchase, you make an initial deposit (typically between 10% and 80% of the car’s price) and then pay off the remainder in monthly instalments over 24 to 60 months. Once all payments are made, the car is yours.
This option follows a standard hire purchase plan, but with lower monthly payments and a final "balloon" payment at the end of the term. The final payment is typically a lump sum, agreed upon at the start.
PCP offers more flexibility. You pay an initial deposit, followed by monthly payments for an agreed term (usually 24 to 48 months). At the end of the term, you can choose to make a final payment to keep the car, return it, or trade it in for a new model.
Balanced payments are variable rate finance plans where your payments are influenced by changes in interest rates, such as the Bank of England base rate. This option is best for experienced buyers who can handle fluctuating payment amounts.
Choosing a longer repayment term can make a performance car more accessible by reducing monthly payments. Benefits include:
However, be aware that longer repayment periods usually mean paying more in total interest.
Before committing to a performance car finance agreement, consider the potential risks:
Leasing is an alternative to financing, with key differences:
Interest rates for performance car finance in the UK start from around 8.9% APR but can go higher depending on your credit score, the loan amount, and the lender. Recent trends show rates falling to around 9% to 10% for high-credit applicants, making financing more attractive.
When entering into a finance agreement, you are protected under several UK regulations:
Ready to finance your dream car? Our expert brokers at Clifton Private Finance can help you find the most competitive performance car finance options tailored to your needs.
Whether you're interested in a BMW M3, Porsche 911, or any other high-end vehicle, we have the experience to secure the best terms for you.
Call us on 0203 900 4322 for a free consultation or get a car finance quote online.
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
