Ferrari PCP Car Finance

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At Clifton Private Finance, we specialise in offering bespoke Personal Contract Purchase (PCP) finance solutions tailored to Ferrari vehicles. From iconic sports cars to luxurious grand tourers, we make Ferrari ownership more accessible by securing competitive rates and flexible finance plans.

Whether your sights are set on the exhilarating Ferrari 812 Superfast, the elegant Roma, or the thrilling F8 Tributo, our independent market comparisons ensure you receive the best financing options. Here’s how we help make your Ferrari dream a reality:

• Flexible Finance Options: Beyond PCP, we provide Hire Purchase (HP), Lease Purchase, and unsecured loan solutions.
• Competitive Rates: We compare offers from leading lenders to secure better deals than traditional dealership financing.
• Customised Packages: Our tailored finance plans fit your budget, lifestyle, and Ferrari model preferences.
• Repayment Flexibility: Benefit from payment terms up to 10 years for manageable instalments.
• Options for New and Pre-Owned Ferraris: Whether factory-fresh or pre-owned, our financing is tailored to your needs.

Take the first step toward Ferrari ownership today—contact us for a personalised quote or explore our finance calculator to discover your options.

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Why Choose PCP Car Finance for Your Ferrari?

Ferrari stands as a symbol of excellence, blending unparalleled performance, craftsmanship, and luxury. Personal Contract Purchase (PCP) makes driving a Ferrari more attainable by spreading costs into manageable monthly payments.

PCP is ideal for those who value flexibility and exclusivity. With lower monthly instalments compared to traditional finance options, you can enjoy your Ferrari without overstretching your finances. At the end of the agreement, you can choose to:

• Purchase the car outright with a final balloon payment.
• Return the car without further obligations (subject to mileage and condition terms).
• Trade it in for a newer Ferrari model under a fresh PCP agreement.

Whether you desire the thrill of experiencing Ferrari’s latest innovations or plan to own a timeless classic, PCP finance offers a practical and adaptable solution.

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How PCP Works for a Ferrari

PCP finance is structured to make Ferrari ownership more accessible and flexible. Here’s how it works:

• Initial Deposit: Typically 10–20% of the vehicle’s value, this upfront payment secures your agreement.
• Monthly Payments: Lower payments compared to other finance options, as you’re financing only the car’s depreciation over the term.
• Final Balloon Payment: At the end of the term, you can:Pay the balloon payment to take ownership. Return the vehicle. Upgrade to a new Ferrari model with a fresh PCP agreement.

This structure allows you to drive a Ferrari without committing to its full purchase price upfront, offering financial flexibility for future plans.

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Ferrari Models Eligible for PCP in the UK

From high-performance supercars to elegant grand tourers, Ferrari offers something extraordinary for every driver. Here are some popular models eligible for PCP finance in the UK:

• Ferrari Portofino: Starting at £193,177, this stylish convertible combines luxury with powerful performance. It features a 3.9L V8 engine with 592bhp, a 0-60 mph time of 3.5 seconds, and a fuel economy of 22.6mpg.
• Ferrari 488 GTB: Prices range from £150,000 to £180,000, offering thrilling performance and stunning design. The 488 GTB comes with a 3.9L V8 engine with 670bhp, a 0-60 mph time of 3.0 seconds, and a fuel economy of 20.9mpg.
• Ferrari 812 Superfast: Starting at £235,000, this high-performance grand tourer boasts a 6.5L V12 engine with 800bhp, a 0-60 mph time of 2.9 seconds, and a fuel economy of 18.8mpg.
• Ferrari Roma: Priced around £200,000, this elegant grand tourer offers a blend of style and performance. It features a 3.9L V8 engine with 612bhp, a 0-60 mph time of 3.4 seconds, and a fuel economy of 22.6mpg.
• Ferrari F8 Tributo: Starting at £210,000, this mid-engined sports car delivers exhilarating performance. It comes with a 3.9L V8 engine with 710bhp, a 0-60 mph time of 2.9 seconds, and a fuel economy of 20.9mpg.

Our team connects you with lenders offering competitive PCP packages tailored to your chosen Ferrari model.

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Comparing PCP to Other Car Finance Options for Ferrari

Personal Contract Purchase (PCP)

Advantages:

• Lower monthly payments by financing depreciation only.
• End-of-term flexibility: keep, return, or upgrade.

Considerations:

• Mileage and condition restrictions apply.
• Ownership depends on the final balloon payment.

Hire Purchase (HP)

Advantages:

• Full ownership after fixed monthly payments.
• No mileage or condition restrictions.

Considerations:

• Higher monthly payments as you finance the full vehicle value.

Personal Contract Hire (PCH)

Advantages:

• Lower payments with maintenance often included.
• Regular upgrades to new models.

Considerations:

• No ownership option.
• Usage restrictions apply.

Unsecured Loans

Advantages:

• Immediate ownership with no usage limits.
• Flexible repayment terms.

Considerations:

• May carry higher interest rates than other methods.

Credit Cards

Advantages:

• Useful for deposits or optional extras.
• Short-term 0% interest promotions.

Considerations:

• Impractical for full vehicle costs due to credit limits and interest rates.

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Choosing the Right Option – PCP Finance for Ferrari

When selecting the right financing option for a Ferrari, it’s crucial to align your choice with your financial goals and driving preferences. Ferrari offers a versatile range of vehicles—from iconic supercars to refined grand tourers—and the right finance plan makes driving your dream Ferrari both achievable and cost-effective. Below is a detailed breakdown of when each option may suit you best.

When to Choose PCP (Personal Contract Purchase):

• Affordable Monthly Payments: PCP offers lower monthly payments by financing only the car’s depreciation, not its full value.
• Flexibility to Upgrade: Ideal for those who enjoy experiencing the latest in Ferrari’s design and technology.
• Ownership Options: At the end of the contract, decide whether to: Purchase the car outright with a final balloon payment. Return it with no further obligation (subject to mileage and condition terms). Trade it in for a new PCP agreement.

When to Choose HP (Hire Purchase):

• Long-Term Ownership: Focused on owning your Ferrari outright without any restrictions? HP is the way to go.
• No Mileage Limits: Ideal for frequent or long-distance drivers.
• Simple Structure: Fixed payments over a set term ensure clarity and predictability.

When to Choose PCH (Personal Contract Hire):

• Frequent Upgrades: Best for drivers who prefer leasing the latest Ferrari models without committing to ownership.
• Inclusive Costs: Monthly payments often include maintenance and road tax, simplifying budgeting.
• No Ownership Responsibilities: Return the car at the end of the lease without resale worries.

When to Choose an Unsecured Loan:

• Immediate Ownership: Purchase your Ferrari outright, gaining complete control from the start.
• No Usage Restrictions: Drive your Ferrari without mileage or condition limits associated with PCP or PCH agreements.
• Flexible Repayment Options: Spread the cost over several years with tailored repayment terms.

When to Use a Credit Card:

• For Deposits or Extras: Ideal for smaller expenses like deposits or optional upgrades, especially with 0% interest promotions.
• Short-Term Financing: Best for manageable amounts due to typically high-interest rates after promotional periods.
• Supplementary Tool: Combine credit cards with other financing methods for added flexibility but avoid using them as the primary solution for a Ferrari purchase.

Find the Best Plan for You

By carefully evaluating these options, you can determine the best financing strategy for your Ferrari purchase. For those who prefer the flexibility of PCP finance, Clifton Private Finance is here to help. We ensure you receive competitive rates and expert guidance tailored to your specific needs.

Explore your options with our quick-guide table to compare the advantages of PCP, HP, PCH, unsecured loans, and credit cards for financing Ferrari models.

 

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GAP Insurance for Added Protection

GAP (Guaranteed Asset Protection) insurance is a smart addition to your Ferrari PCP agreement, providing peace of mind in case of unforeseen events. This insurance covers the gap between your Ferrari’s market value at the time of loss and the outstanding amount on your finance agreement, ensuring you’re not left out of pocket if the car is stolen or written off.

Key Benefits:

• Financial Protection: Avoid the financial strain of covering the difference between your car’s market value and what you still owe.
• Comprehensive Support: Complements your existing car insurance policy to fully protect your investment.
• Tailored for High-Value Vehicles: Especially beneficial for luxury cars like Ferraris, which can experience significant depreciation.

Our finance specialists can help you arrange GAP insurance tailored to your Ferrari and finance plan, providing you with the ultimate level of security.

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How to Apply for Ferrari PCP Finance

Securing PCP finance for your Ferrari is straightforward with Clifton Private Finance. Our efficient process ensures minimal hassle and quick approval times:

Step 1: Contact Us

Reach out via phone or our online inquiry form. Let us know the Ferrari model you’re interested in, as well as your preferred deposit and repayment terms.

Step 2: Receive a Personalised Quote

We’ll source bespoke PCP finance options tailored to your specifications and budget. You’ll receive a detailed breakdown of monthly payments, the final balloon payment, and any associated costs.

Step 3: Submit Documentation

Once you’ve chosen your preferred package, our team will guide you through the approval process. Provide necessary documents such as proof of income, identification, and credit details. Most applications are processed within 24–48 hours.

Step 4: Drive Your Ferrari

After approval, complete the paperwork and take delivery of your Ferrari. Enjoy the thrill of driving your dream car with a payment plan designed to suit you.

Contact Us Today

Ready to explore Ferrari PCP finance? At Clifton Private Finance, we’re dedicated to turning your Ferrari dreams into reality.

With access to a wide range of lenders and customised packages, you’re assured of expert guidance every step of the way. Visit our website to use our finance calculator or complete our contact form to start your journey.

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