Ferrari Finance in 2026: Which Ferrari, Which Agreement, What It Costs
The model file behind our site lists 151 Ferrari road cars, from the 166 Inter of 1948 to the F80 of 2025. Only seven of them carry a UK list price today. That single fact does more to decide how a Ferrari gets funded than the rate, the deposit or the name on the badge. A Roma at £199,355 can be priced to the pound, because a lender knows what it costs new and can forecast what it will be worth in four years. A 1989 Testarossa has no list price at all. It is worth whatever an honest valuation says it is worth this month, and that shuts the door on some agreements before anyone has run a credit check. So the useful first question about Ferrari finance is not how much. It is which Ferrari, because the answer tells you which of the five agreements is available, and only then does the monthly figure mean anything.
Ferrari Finance is part of Hypercar Finance, a trading name of Lenzie Consulting Ltd (company number 08174104). We arrange finance: we are not a lender, not a dealer and we do not sell cars. The business is not authorised or regulated by the FCA. Agreements entered into wholly or predominantly for business purposes are not regulated consumer credit, and we arrange those directly; where an agreement is regulated consumer credit we introduce it to an FCA authorised broker partner, which carries the regulated activity and any advice. There is no minimum advance. Every figure below is indicative, not an offer.
Not affiliated with Ferrari S.p.A. Vehicle marques named here are the trade marks of their respective owners.
In the episode below, Georgina walks through how the age of a Ferrari decides the agreement, and why the cheapest monthly figure is not always the cheapest car to own.
Which Ferrari are you actually financing?
Every car in the file sits in one of five eras, and each era changes what a lender is secured against. Sixteen cars are in production now. Thirty three sit in the modern era, built between 2010 and 2025. Twenty eight are modern classics from 1990 to 2009, forty one are classics from 1968 to 1989, and thirty three are vintage cars built before 1968.
For the cars in production, a lender has a list price and a deep used market to forecast against, which means it can agree to defer part of the balance to the end of the term. For a modern car such as a 458 Italia or a 488 GTB, the lender works from what the car sells for today, and the steepest part of the depreciation has already been paid by the first owner. For modern classics like the F355 or the 550 Maranello, values have flattened and on good cars have started to climb, so condition and service history take over from age. Classic and vintage cars are funded against an agreed or independent valuation, case by case, with the paperwork carrying almost as much weight as the car.
The practical split is simple. A current car can go on any of the five agreements. An older car usually goes on hire purchase or a refinance, because nobody can forecast its closing value honestly and no lender will pretend to. Our Ferrari finance pages are built around that split for exactly this reason.
The five agreements side by side
People say hire purchase, lease purchase, PCP, contract hire and refinance, and those are the five we arrange. They differ on two questions that matter more than the rate: do you own the car at the end, and who carries the risk that it is worth less than expected.
| Agreement | Own it at the end? | Who carries the closing value risk | Written to | Usual on older cars? |
|---|---|---|---|---|
| Hire purchase | Yes | Nobody, nothing is deferred | Companies and individuals | Yes |
| Lease purchase | Yes, once the balloon is paid | You | Companies and individuals | Rarely |
| PCP | Your choice | The lender, which guarantees the figure | Companies and individuals | Rarely |
| Business contract hire | No | The lease company | Limited companies only | No |
| Refinance | You already do | Secured on the car you own | Companies and individuals | Yes |
Hire purchase has the highest monthly payment and the plainest ending. Lease purchase and PCP both defer part of the price, so the monthly figure falls while the debt waits at the end. Contract hire is a rental to a company. Refinance releases money against a Ferrari already in the garage.
What the current range costs each month
Every payment on our site uses the same assumptions: an indicative nominal rate of 8.9 per cent, a 48 month term, a 20 per cent deposit and, on lease purchase and PCP, 55 per cent of the list price deferred to the end. The table at the top of this page runs them across five of the seven current models. The 812 Superfast at £270,000 comes out at £5,365 a month on hire purchase, and the Purosangue at £398,000 at £7,908.
Here is the arithmetic in full, so you can check it. Take a Roma at £199,355 on hire purchase.
- Deposit at 20 per cent: £39,871, which leaves £159,484 to finance.
- Monthly rate: 8.9 divided by 12 is 0.74167 per cent, or 0.0074167.
- Over 48 months, (1 + 0.0074167) to the power of minus 48 is 0.70139.
- The payment factor is 0.0074167 divided by (1 minus 0.70139), which is 0.024838.
- £159,484 multiplied by 0.024838 gives £3,961 a month.
Now put the same Roma on lease purchase. The balloon is 55 per cent of the full price, £109,645. Its value today, discounted over the term, is £109,645 multiplied by 0.70139, or £76,904. Take that off the £159,484 financed to leave £82,580, then multiply by 0.024838. The payment falls to £2,051 a month, and £109,645 is still owed in month 48.
The badge tells a lender very little. The year of the car tells it what the money is secured against, and that decides which agreement is even on the table.
Older Ferraris: valued, not list priced
Once a car leaves production its list price stops being a basis for anything. The lender asks what the car would fetch today, and the advance follows that answer. This is where the choice of car does the heavy lifting on cost. A modern era car bought used has already lost the steep early depreciation, which is why it is the cheapest part of the range to fund.
Take a hypothetical 488 GTB where the agreed value supports an advance of £120,000. Over 48 months at 8.9 per cent, with nothing deferred, that is £2,981 a month. An advance of £200,000 on the same terms is £4,968. The formula is exactly the one above; the only thing that changed is where the starting number came from.
Rarity changes the conversation too. Manufacturer data puts the F355 run at 11,273 cars and the F40 run at 1,311, and a lender funding a car with a thin trading record will lean harder on documents and condition, and will usually want a larger deposit than the 20 per cent our examples assume. Cars bought at auction, in a private sale or as imports all fall outside most prime lending processes. They are ordinary work for specialist lenders, provided the finance is agreed in principle before the hammer falls or the money changes hands.
Business agreement or personal agreement?
Most of the Ferrari finance we arrange is written to a limited company, and a business agreement is not regulated consumer credit. The same car bought by you personally, for private use, usually is. That line matters because some protections exist only on one side of it.
The clearest example comes from the Consumer Credit Act: on a regulated hire purchase agreement you can hand the car back once you have paid 50 per cent of the total amount payable, a right known as voluntary termination. On an unregulated business agreement that right does not exist. Neither route is better in the abstract. A director buying through the company wants the business route; an individual buying for weekends wants the regulated one, which we introduce to an FCA authorised broker partner. You are told which route your case takes before anything is signed.
Does Ferrari offer its own finance?
Yes. Ferrari Financial Services, the manufacturer’s own finance arm, quotes through franchised dealers, and it is a sensible quote to get if you are buying a new or nearly new car that fits its criteria. It is the factual alternative to a broker, and we would rather you compared us against it than against nothing.
Where it stops is where the criteria stop. A classic car, a car from auction, a private sale, a buyer whose income runs through several companies, or an owner who wants to release money against a car already owned: those are the cases specialist lenders exist for, and they make up most of what we arrange.
Outlook: Ferrari finance into 2027
The Bank of England held the base rate at 3.75 per cent at its 30 July 2026 decision, and the next decision is due on 17 September 2026. That is background rather than the rate anyone pays: car finance at this level is priced on the lender’s own cost of funds, the car and the business behind the application, which is why our indicative figure is 8.9 per cent. The larger swing factor for 2027 is the used market for the modern era cars, because that sets the balloons lenders are willing to agree on current cars and the values they will lend against on older ones.
FAQ
Does Ferrari offer finance for cars? Yes, through its own finance arm, which quotes through franchised dealers on cars that fit its criteria. Independent specialist lenders cover the rest: older cars, private and auction purchases, imports and refinance on cars already owned.
How much does it cost to finance a Ferrari? On our standard assumptions a Roma at £199,355 costs £3,961 a month on hire purchase or £2,051 on lease purchase, and an SF90 Stradale at £419,940 costs £8,344 or £4,321. Older cars depend on the agreed value rather than a list price. All of these are arithmetic, not offers.
What is the 50 per cent rule for car finance? It is voluntary termination under the Consumer Credit Act. On a regulated hire purchase or conditional sale agreement you can return the car once half the total amount payable has been paid. It does not apply to an unregulated business agreement.
What car is the poor man’s Ferrari? The nickname has been hung on plenty of cheaper sports cars over the years. Within Ferrari’s own line, the finance answer is an older car: the Mondial and the Dino 308 GT4 are the classic era models people usually mean, and a used modern era car has already shed its steepest depreciation, which is what brings the monthly figure down.
Talk to us
If you know which car you want, or you have two in mind from different eras, send us the details and we will tell you which agreements are realistic before any lender is approached. Start with our Ferrari finance overview, compare the five agreements in detail, or look up every Ferrari model by era to see how a lender reads your car. See also our page on refinancing a Ferrari you already own.
The Hypercar Finance family
Ferrari Finance is one of a small group of marque sites run under Hypercar Finance, which covers supercars and hypercars across every badge. There is Bentley Finance for Bentley buyers; for owners who want to release money against a car they already own there is Car Equity Release; and for the rarest end of the market there are Koenigsegg Finance and Pagani Finance.
All figures in this article are indicative, not an offer, a quote or a financial promotion, and any agreement is subject to lender terms, valuation and full underwriting. This article was written by Matt Lenzie.