Best ways to finance a Ferrari car purchase in the UK

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Clifton private finance

We specialise in sourcing high value car finance in the UK

High quality Ferrari finance solutions for UK & international clients.
  • Finance from £25,000 for business purchases, & from £50,000 for individuals
  • Competitive vehicle finance that often outperforms in-house car dealer offers
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought Ferrari cars
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Asset finance for prestige cars
We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  
Call us on 0203 900 4322 to discuss your requirements.

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Best ways to finance a Ferrari car purchase in the UK

Purchasing a Ferrari car with asset finance

Asset finance is an excellent solution for business owners looking to purchase an expensive asset, in this case, a Ferrari car. To most, buying outright with cash is infeasible as a costly asset requires sizable funding that is not always to hand.

As a business owner, a company purchase of necessary equipment or machinery or indeed a vehicle may amount to upwards of £50,000
(if purchasing outright).

However, a more affordable solution can be found with asset finance and business owners can arrange these terms with the vendor or dealership in question.

It is important to clarify the differences between asset finance and a business loan

Why use asset finance to buy a Ferrari car?

In addition to being one of the most recognisable Italian luxury sports car brands - Ferrari’s timeless design and the car’s stellar performance set the bar for the industry.

Enthusiasts and motorsports fans agree; a Ferrari is an enviable and iconic fast car from the land of fast cars.

However, these tastes can come at significant costs – a Ferrari GT such as the Portofino starts from £193,177.

When it comes to Ferrari, there are no inexpensive options from their current line-up of nine models (with additional special models of both the GT and sports car variety)
Additionally, Ferrari is yet to breach the EV market.

However, their current Purosangue SUV model will have a fully electric spin-off (due 2025). Until then, there are only hybrid models available.

Through conventional means, Ferraris are out of reach for many individuals and businesses.

Thankfully, options are available with asset finance which allows a business a sizeable purchase while also protecting cash flow and stability.

With your loan secured against the physical asset, i.e. the Ferrari – you can repay through your asset finance plan through affordable monthly payments instead of outright cash.

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Key differences between Ferrari models

There are Ferrari dealerships across the UK, but for custom builds, purchases can be made through Farrari's configurator. Naturally, these can vary greatly in price, but here are some examples spanning their entire line-up (including hybrid vehicles):

Ferrari GT
(Grand Tourer)
Ferrari Portofino MFerrari Roma (F169)
Ferrari 812 Superfast
Style Coupé 2+2,
hard-top convertible
Sports Coupé 2+2,
Sports Coupé 2+2,
hard-top convertible
Consumption (WLTP) 23mpg 23mpg 16mpg
Transmission Rear-mid engine,
four-wheel drive
Rear-mid engine,
four-wheel drive
Front mid-engine,
rear-wheel drive
RRP £193,177 £196,562 £262,735

612 HP V8 Engine
90-degree turbocharged

F1 gearbox 8-speed

Electric Power
Steering (EPS)

carbon fibre
and alcantara interior

climate control system

Retractable hard-top

Dial pack, with
infotainment functions
Bluetooth/Apple CarPlay

Top speed:199mph

Acceleration 0-62:

245/35 ZR 20

Top speed: 211mph

Acceleration 0-62mph:

7-speed dual-clutch

275/35 ZR 20 wheels

Top speed: 211mph

Acceleration 0-62 mph:

7-speed dual-clutch

789 HP V12 engine.

275/35 ZR 20 wheels



Ferrari Sports Car
(Hybrid/ Petrol)
Ferrari 296 GTBFerrari F8 Spider
Ferrari SF90 Spider
Style Sports Coupé 2+2,
hard-top convertible
Sports Coupé 2+2,
hard-top convertible
Sports Coupé 2+2,
hard-top convertible
Consumption Combined
24mpg 19mpg
23 mpg
Transmission Rear mid-engine,
rear-wheel drive PHEV
Rear mid-engine,
rear-wheel drive
all-wheel-drive PHEV
RRP £288,996 £269,700 £501,474

F1 DCT 8-speed

Electric Power Steering (EPS)

carbon fibre & alcantara interior

climate control system

Retractable hard-top

Dial pack, with infotainment
functions Bluetooth/Apple

Top speed: 205mph

Acceleration 0-62: 2.9 secs

654 HP Twin-turbo
120-degree V6 Engine
/ 165 HP electric motor
(818 combined power)

245/35 ZR 20 wheels

Performance mode

Top speed: 211mph

Acceleration 0-62mph:

710 HP V8 Engine

7-speed dual-clutch automatic

245/35 ZR 20 wheels

Top speed: 211mph

Acceleration 0-62 mph:
2.5 secs

986HP V8 engine
(combined power with
three electric motors)

255/35 ZR 20 wheels

Performance mode

16” HD screen

Types of asset finance for a Ferrari car purchase

There are a number of finance plans and offers from Ferrari, and many follow the same form. They include:

Additional information can be found on their website through Ferrari financial services.

Additionally, consider Company Car Tax and the agreed-upon deposit before asset finance, as this may affect your budget overall and require more financial planning.

Hire purchase

Hire purchase is a finance plan allowing acquisition through a loan. Once repaid, ownership of the Ferrari is transferred to you upon the final payment of the “option to purchase fee”.

Offers from Ferrari have a range of required deposits, depending on the plan and car (anywhere from 10% to 30% customer deposit). Hire purchase allows an appropriate term for monthly repayment (48 months).

Additionally, mileage restrictions can vary with this type of asset finance and depend on the available model.

Balloon Hire purchase

A “balloon payment” is simply choosing to defer a final amount to be paid at the end of the term to manage monthly payments – meaning you make smaller monthly payments but will have a larger lump sum to pay at the end of the hire purchase.

Ferrari typically offers fixed terms (48 months) across their many finance plans. However, the model type and the mileage allowed can affect the total of the final balloon payment.

This follows the hire purchase plan, with the attachment of a balloon payment which can be ideal for buyers of higher-end models of considerable value.

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Balanced payments

Balanced payment plans offer a fixed monthly payment but require a larger deposit. However, the caveat is that changes can occur to the interest rate.

The rate on a balanced payment plan is based on; The Bank of England, the finance house base rate or the London Interbank Offered Rate (LIBOR), depending on your agreement.

This plan is not advisable for first-time buyers. Instead, it is recommended only for the experienced investor – as it comes with risk and reward.

However, with a variable rate, those with an appetite for risk can see savings on purchases if they’re looking into getting their hands on some of the latest Ferrari models.

Contract purchase

A contract hire follows the same form; a hire purchase combined with a balloon payment option. The estimated value of the car will determine the final payment amount.

Contract hire may be best suited to those who wish to hire an expensive, high-end Ferrari model without worrying about ownership.

With contract purchases, business owners and customers may claim expenses on monthly rental costs for the hire of the car. Additionally, VAT may be recoverable for VAT-registered businesses.

Ferrari offers a flexible scenario with contract purchase – you pay monthly at a fixed rate (over 48 months), and you can include a servicing/maintenance package into the monthly rental cost.

Bear in mind, with this option, you will not own the car - contract purchasing will mean you only hire the Ferrari car. When the term of hire comes to an end, you simply return the vehicle to Ferrari.

Personal contract purchase (PCP)

With PCP, you get a flexible finance plan, similar to other forms of asset finance, but with a different approach.

With Ferrari PCP, the repayment period is fixed at 48 months, and the annual mileage is agreed upon, alongside the amount deferred for the final payment.

Where PCP differs is the three options available at the end of the agreement:

What happens at the end of an asset finance plan?

This will depend entirely on which asset finance plan you go for. Ultimately, once the loan is paid, you either own the Ferrari, have the option to purchase it, or, if you have chosen a contract purchase, you will have returned the car after the final payment.

Which is recommended will be determined by your own circumstances, but there are many flexible options for financing a Ferrari.

Due to its global renown as an Italian sports car brand, Ferraris typically have a stable high-end value.

Yet, it is normal for any driven car that is not brand new to depreciate in value over time. However, over the coming years, petrol vehicles may depreciate some as the EV market dominates.

An asset finance option that provides flexibility is perhaps most beneficial. And the asset finance plan that offers this is PCP or contract hire.

Purchasing a Ferrari car with a finance broker

Regardless of your circumstances, we can find the right asset finance for you.

At Clifton Private Finance, we offer a specialist asset finance service for clients looking to purchase a Ferrari in the UK. Our finance brokers can provide indispensable assistance in securing asset finance to purchase your dream car.

Our Brokers will review your financial circumstances, providing expert guidance, and with their help, you will find the type of asset finance suitable for you and your chosen Ferrari.

We offer cash-flow matched repayments and government-backed CBILS facilities without a set asset age limit. Moreover, as an intermediary, your Clifton Private Finance broker will work with Ferrari to arrange your car finance plan and finalise your purchase.

The Clifton PF broker team can deliver bespoke, enhanced or exclusive terms to finance new, used or auction-bought assets. Our finance brokers can draw on their extensive market knowledge to secure the most competitive asset finance solution for your Ferrari car purchase.

Book a free and no-obligation telephone consultation at a time that suits you.

Call us today to discuss your requirements on 0203 900 4322

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