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Best ways to finance a Jaguar purchase in the UK

For buying and refinancing Jaguar cars

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Jaguar Finance

Clifton private finance

We specialise in sourcing high value car finance in the UK

 

High quality Jaguar finance solutions for UK & international clients.

  • Finance from £15,000
  • Competitive vehicle finance that often outperforms in-house car dealer offers
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP car financing), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought Jaguar cars
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Prestige car finance & leasing

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 Jaguar purchase in the UK

Jaguar cars are an expression of performance, elegance, and innovation. They’ve been a symbol of style and sophistication for over 80 years; associated with British culture and heritage. No wonder many dream of owning one.

However, buying a Jaguar is certainly not cheap. The upfront cost of a new or used Jaguar can be quite high, and you also have to consider the depreciation, maintenance, and insurance costs that come with owning such a premium vehicle. That’s why many people opt for financing their Jaguar instead of paying cash.

But how do you finance a Jaguar in the UK? What are the different options available, and how do they compare? How do you find the best deal for your needs and circumstances? And what are the popular types of Jaguar that you can buy on finance?

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The Different Finance Options Available for a JAGUAR

If you want to buy a Jaguar in the UK, you have several finance options to choose from. Each option has its own features, advantages, and disadvantages. Depending on your personal and financial circumstances. In this section, we will explain the main differences between the different types of finance available for buying a Jaguar in the UK, such as:

Asset Finance

Asset finance is a form of leasing, where you pay a monthly fee to use the Jaguar, but you do not own it. The monthly fee is based on the depreciation of the Jaguar over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the Jaguar at the end of the lease, which is agreed upon at the start of the contract.

The advantage of asset finance is that you can enjoy driving a new Jaguar without having to pay the full purchase price upfront. You also have lower monthly payments than other finance options, as you are only paying for the depreciation of the Jaguar.

At the end of the lease, you have three options, you can either:

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Hire Purchase

Hire purchase is a form of credit, where you pay a deposit and then monthly instalments to buy the JAGUAR over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The Jaguar is the security for the loan, which means that if you fail to make the payments, the lender can repossess the Jaguar.

The final payment is usually the same as the monthly instalment, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the Jaguar from the lender to you.

Hire Purchase with Balloon Payment

Hire purchase with balloon payment is similar to hire purchase, but with a twist. Instead of paying equal monthly instalments, you pay lower monthly instalments and a larger final payment, known as the balloon payment. The balloon payment is usually 25% to 50% of the purchase price of the Jaguar, and it is agreed upon at the start of the contract.

The advantage of hire purchase with balloon payment is that you can have lower monthly payments than hire purchase, and still own the Jaguar at the end of the contract. You also have the option to refinance the balloon payment, or trade in the Jaguar for a new one. The disadvantage is that you have to pay more interest than hire purchase, and you have to save up for the balloon payment or find another source of finance.

The balloon payment is usually the same as the agreed percentage of the purchase price, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the JAGUAR from the lender to you.

Balanced Payments

Balanced payments is a credit option, where you pay a deposit and monthly instalments, including principal and variable interest, to buy the Jaguar over a fixed term. You can own the Jaguar at the end of the contract, and benefit from low interest rates when the base rate is low.

You can also settle the loan early, by paying the balance and a fee. The drawback is that you have to pay variable interest, and may have higher payments when the base rate is high. The final payment is the same as the monthly instalment, and there is no fee.

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Contract Purchase

Contract purchase is a leasing option, where you pay a deposit and monthly instalments, based on the depreciation and the GFV of the Jaguar. You do not own the Jaguar, but you can buy it for the GFV, return it, or part-exchange it at the end of the contract. Contract purchase has lower monthly payments and less upfront cost than other finance options, but no equity and possible extra charges for exceeding mileage limit, or any damage or wear and tear.

At the end of the contract, you have three options: you can either buy the Jaguar for the GFV, return it to the lender and walk away, or part-exchange it for a new one or use any equity as a deposit.

Personal Contract Purchase (PCP)

PCP is a flexible leasing option, where you pay an initial payment and lower monthly instalments, based on the depreciation and the GFV of the Jaguar. You can own, return, or part-exchange the Jaguar at the end of the contract, by paying, avoiding, or using the GFV as a deposit. PCP has lower monthly payments and more options than contract purchase, but higher interest and a large final payment.

JAGUAR Best Finance Options - Comparisons

To help you compare the different options, we have prepared a table that shows the key criteria of each option, such as total cost, deposit, duration, and final payment. You can use this table as a reference, but remember that the actual figures may vary depending on the lender, the model, and your credit score.

Option

Total Cost

Deposit

Duration

Final Payment

Asset finance

Depends on the monthly fee and the residual value of the JAGUAR

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Depends on whether you want to own, sell, or extend the lease

Hire purchase

Purchase price + interest

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Usually the same as the monthly instalment + £10 option to purchase fee

Hire purchase with balloon payment

Purchase price + interest

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Usually 25% to 50% of the purchase price + £10 option to purchase fee

Balanced payments

Purchase price + interest

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Usually the same as the monthly instalment

Contract purchase

Depends on the monthly instalment and the guaranteed future value (GFV) of the Jaguar

Usually 10% to 20% of the purchase price

Usually 2 to 4 years

Depends on whether you want to own, return, or part-exchange the Jaguar

Personal contract purchase (PCP)

Depends on the monthly instalment and the guaranteed future value (GFV) of the Jaguar

As you can see, each option has its pros and cons, and the best one for you will depend on your preferences and goals. For example, if you want to own the Jaguar at the end of the term, you might prefer hire purchase or balanced payments. 

If you want to have lower monthly payments, you might prefer hire purchase with balloon payment or PCP. If you want to have more flexibility at the end of the term, you might prefer contract purchase or PCP.

Get in contact with Clifton Private Finance to help make your decision easier – we can guide you to the best car finance option, when considering your situation.

Popular Models of Jaguar you can Buy on Finance

Now that you have an idea of the different ways to finance a Jaguar in the UK, you might be wondering what types of Jaguar you can buy on finance. The good news is that you can find almost any model of Jaguar on finance, as long as it is within your budget and meets the lender’s criteria.

However, some models are more popular and available than others, depending on the demand, supply, and market trends. Here’s a brief overview:

Model

Description

Price Range

Monthly Payment

F-Pace

Mid-engine luxury SUV, petrol or diesel engines, refined and agile performance, spacious and comfortable interior, leather seats, digital cockpit, advanced safety and infotainment features

£48,770 to £69,995 (petrol) or £48,770 to £69,995 (hybrid)

£500 to £1k

E-Pace

Compact luxury SUV, petrol or diesel engines, smooth and powerful performance, luxurious and spacious interior, leather seats, panoramic roof, advanced safety and infotainment features

£43,185 to £69,995 (petrol) or £43,185 to £69,995 (hybrid)

£400 to £1k

I-Pace

All-electric luxury SUV with a range of up to 292 miles on a single charge. It has a sleek and futuristic design with a large glass roof that can be opened or closed. It also has a spacious and versatile interior with leather seats that can recline into a lounge position. It has a digital cockpit that displays all the information you need. It also has advanced safety and infotainment features such as adaptive cruise control, lane keep assist, head-up display, wireless charging and more. The I-Pace starts from £69.995 for the Pure Electric version and goes up to £79.995 for the R-Range version.

Over 100k pounds for all variants except the Pure Electric which starts at around 70k pounds.

Over 10k pounds for all variants except the Pure Electric which starts at around 70k pounds.

 What Happens at the End of an Asset Finance Plan?

Asset finance is a type of finance that allows you to use the Jaguar as an asset for your business, while paying a fixed monthly fee to the lender. Asset finance can be either a finance lease or an operating lease, depending on whether you want to own the Jaguar at the end of the term or return it to the lender.

At the end of an asset finance plan, you have different options depending on the type of lease you have chosen. Here are the possible scenarios:

The option that you choose will depend on your preferences and circumstances. For example, if you want to own the Jaguar at the end of the term, you might prefer a finance lease. If you want to have a newer and more efficient Jaguar, you might prefer an operating lease.

Using a Finance Broker to Help

If you are interested in financing a Jaguar car in the UK, you might want to consider using a finance broker to help you with the process. A finance broker can help you find the best asset finance option for your needs and budget, as well as negotiate the best deal with the lender. A finance broker can also advise you on the different types of asset finance available for buying a Jaguar car, such as cash flow matched repayments, CBILS facilities, and bespoke terms.

At Clifton Private Finance, we have a team of specialist prestige car finance brokers who can help you finance a Jaguar car in the UK. We can work with Jaguar to arrange your car finance plan and finalise your purchase. We can also help you finance new, used, or auction-bought Jaguar cars, and offer the most competitive asset finance service for you.

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To find out more about our finance broker service, don't hesitate to contact us today. We offer 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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