Prestige Car Finance and Leasing

Imagine the thrill of sitting behind the wheel of a prestige car, the roar of the engine, the envious glances from passersby. It’s a dream many of us share, but the financial commitment can seem daunting. Fear not, for the world of prestige car finance is rich with options, tailored to your unique needs and desires. Whether you’re budget-conscious or have specific preferences, there’s a plan out there that can turn your dream into reality. So why wait? The keys to your dream car are closer than you think.

In this article, we will cover the following topics:

The different options available for prestige car financing
The popular types of prestigeious cars (iconic models from Jaguar, Bentley, Landrover and Rolls-Royce) that you can buy on finance
The benefits and drawbacks of each finance option
What happens at the end of an asset finance plan
Why using a finance broker can help you get the best deal

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The Different Options Available for Prestige Car Finance and Leasing

There are many ways to finance or lease a prestige car, and these finance options are suitable for all types of luxury car, or supercar - the terms are often interchangablel. Here are the common options for presitge car finance:

Asset finance: This is a type of loan that uses the prestige car as collateral. You pay a deposit upfront, and then make monthly payments over a fixed term. At the end of the term, you can either pay off the remaining balance and own the car, or return it to the lender.
Hire purchase: This is similar to asset finance, but you don’t pay a deposit. Instead, you pay a higher monthly payment over a longer term. At the end of the term, you own the car outright.
Hire purchase with balloon payment: This is a variation of hire purchase, where you pay a lower monthly payment over a shorter term, but you have to pay a large lump sum (the balloon payment) at the end of the term to own the car.
Balanced payments: This is a type of loan that adjusts the monthly payments according to the interest rate changes. You pay a fixed interest over the term, but the monthly payments can vary depending on the market conditions. This can be beneficial if the interest rates go down, but risky if they go up.
Contract purchase: This is a type of lease that gives you the option to buy the car at the end of the term. You pay a deposit upfront, and then make monthly payments over a fixed term. At the end of the term, you can either pay a final payment (the residual value) and own the car, or return it to the lender.
Personal contract purchase (PCP): This is similar to a contract purchase, but the final payment is based on the estimated value of the car at the end of the term (the guaranteed future value). This can be lower than the residual value, making it more affordable to buy the car. However, if you return the car, you might have to pay extra fees if the car has exceeded the agreed mileage or has any damage.

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Popular Types of Prestige Cars you can Buy on Finance

There are many models of prestige cars available on the market, and the term ‘prestige car’ is often used interchangeably with ‘luxury car’. Prestige cars come from brands with a long history of excellence and craftsmanship. These carmakers often have a record of producing exclusive vehicles that command respect - brands such as Rolls-Royce, Bentley or Landrover.

While these categories have overlapping features, the key differences lie in their performance capabilities, materials used, exclusivity, and price. It’s also important to note that these classifications are not rigid and a car can fall into more than one category.

Here are some of the most popular types of prestige cars you can buy on finance, and how they compare:

Model	Description	Price Range
Rolls-Royce Phantom	Luxury saloon, petrol or hybrid engines, smooth and powerful performance, stylish and modern design, spacious and comfortable interior, leather seats, panoramic roof, advanced safety and infotainment features.	£250,000 to over £1m
Mercedes-Benz S-Class	Luxury saloon, petrol, diesel or hybrid engines, smooth and powerful performance, luxurious and spacious interior, leather seats, advanced safety and infotainment features.	£75,000 to £100,000
Range Rover Autobiography	Luxury SUV, petrol, diesel or hybrid engines, go-anywhere capability with handcrafted luxury, spacious and comfortable interior, leather seats, panoramic roof, advanced safety and infotainment features.	£130,000 to £170,000
Bentley Continental GT	Luxury grand tourer, petrol or hybrid engines, exhilarating and agile performance, sporty and sophisticated design, premium and luxurious interior, leather seats, advanced safety and connectivity features.	£150,000 to £200,000
Maserati Quattroporte	Luxury saloon, petrol or hybrid engines, smooth and powerful performance, spacious and comfortable interior, leather seats, panoramic roof, advanced safety and infotainment features.	£70,000 to £100,000
Aston Martin DB11	Luxury grand tourer, petrol or hybrid engines, smooth and powerful performance, spacious and comfortable interior, leather seats, panoramic roof, advanced safety and infotainment features.	£150,000 to £2

What Happens at the End of an Asset Finance Plan?

If you choose to finance your supercar with an asset finance plan, you might be wondering what happens at the end of the term. There are two possible scenarios:

You want to keep the car: If you want to own the car, you have to pay off the remaining balance of the loan, which can be a large amount depending on the initial deposit, the term, and the interest rate. You can either pay it in full, or refinance it with another loan. Once you pay off the balance, the car is yours, and you can do whatever you want with it.
You want to return the car: If you don’t want to keep the car, you can simply return it to the lender, and walk away. However, you have to make sure that the car is in good condition, and that you have not exceeded the agreed mileage limit. If the car has any damage or excess wear and tear, you might have to pay extra fees to cover the repair costs. You also have to pay any outstanding charges, such as road tax, insurance, or maintenance.

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Using a Finance Broker to Help

Finding the best deal for your prestigious car finance or leasing can be a daunting task, especially if you are not familiar with the different options, terms, and conditions. That’s why using a finance broker can help you get the best deal and the most suitable option for your supercar purchase. At Clifton Private Finance, we can help you:

Compare different lenders and products: finance brokers can access a wide range of lenders and products, and find the ones that suit your needs and preferences. we'll help negotiate better rates and terms on your behalf, and save you time and money.
Advise you on the best option: we can explain the pros and cons of each option, and help you make an informed decision. we'll can also answer any questions you might have, and guide you through the application process.
Handle the paperwork and administration: We'll also handle the paperwork and administration involved in securing your prestige car finance or leasing. We liaise with lenders, the dealer, and the insurer, and ensure a smooth and hassle-free transaction.

At Clifton Private Finance, we are a leading finance broker in the UK, and we specialise prestige car in financing. We have access to multiple asset finance lenders, and we always compare the best options to offer you bespoke finance solutions that suit your needs and budget. We can also help you with any type of prestige car.

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If you are interested in buying a prestige car on finance, contact us today and speak to one of our expert advisers. We will be happy to answer any questions you may have, and provide you with a free, no-obligation quote. We look forward to hearing from you soon.

Call us today to discuss your requirements on 0203 900 4322

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