Financing a Ferrari is very different from funding a mainstream car. Purchase prices can run well into six figures, and buyers may be choosing between a current model, a Ferrari Approved car or an older collectible. Ferrari car finance can spread that cost, but the structure, deposit and underwriting can differ sharply from a standard dealership agreement.
Enjoy Finance explains the main funding routes and links to third-party providers. We do not provide finance directly, and the website contains affiliate links.
How does Ferrari car finance work?
Ferrari Financial Services offers bespoke finance for new and Ferrari Approved cars, with its wider programme also covering older, classic and specialist Ferrari models. In the UK, Ferrari Financial Services operates with support from CA Auto Bank.
The agreement available to you can depend on the vehicle value, age, specification, intended use and your own financial position. At this end of the market, providers may look beyond a simple monthly salary and consider wider evidence of income, assets or business ownership when assessing affordability.
Balloon structures can change the monthly commitment
A Ferrari finance agreement may leave a substantial amount until the end rather than repaying the entire vehicle price through equal monthly instalments.
That final amount can reduce the regular monthly commitment, but it also means a larger sum remains outstanding. The lender will decide what final payment it is prepared to accept based on the car and its expected value.
Do not assume a Ferrari will automatically be worth more than the balance. Model, mileage, specification, condition, ownership history and wider collector demand can all move values significantly.
PCP Car Deals explains the general principle of finance agreements that defer part of the vehicle cost until the end.
Specialist underwriting matters more at Ferrari values
Someone borrowing against a £200,000 or £300,000 car may go through a different assessment from someone applying for mainstream vehicle finance.
A provider can ask for evidence supporting income and affordability, particularly where earnings come from dividends, company ownership, investments or several sources. Large deposits may also form part of a lender’s risk assessment.
This is one reason Ferrari car finance should be compared on more than the representative APR. Deposit size, term, final payment, fees and the amount of capital tied up in the vehicle all matter.
The exact underwriting requirements vary between providers, so avoid assuming one lender’s deposit expectation will apply across the market.
Ferrari Financial Services or a specialist lender?
Ferrari Financial Services is designed around the marque and offers personalised funding across Ferrari’s range. Independent high-value and supercar lenders can provide another route, especially for used cars or buyers looking for a particular balloon structure.
Neither route is automatically cheaper.
Manufacturer-backed funding may suit someone purchasing through the authorised network, while an independent provider may offer a different term or repayment profile. Compare the total amount payable and final liability rather than choosing purely because one monthly figure is lower.
Buyers interested in a current or recent grand tourer can also read Ferrari Roma Car Finance.
The model can completely change the funding decision
There is a major difference between financing a Roma, a 488, a Purosangue and an SF90.
The Ferrari 488 Car Finance page covers a well-established mid-engined model with an active used market. Ferrari Purosangue Car Finance is more relevant to buyers looking at one of Ferrari’s newer, high-value four-door models.
Hybrid technology introduces another set of ownership considerations. Ferrari SF90 Stradale Car Finance covers Ferrari’s plug-in hybrid supercar, where purchase price, battery systems and specialist maintenance all belong in the budget.
Ferrari car finance should therefore be based on the exact vehicle rather than a generic example for the brand.
Financing a Ferrari Approved car
Ferrari Approved gives buyers access to pre-owned cars through the authorised network. Ferrari states that Approved cars undergo more than 200 technical checks, with history and mileage reviewed before sale.
Eligible cars also receive warranty and roadside-assistance cover under the Approved programme. The exact cover depends on the car and market terms.
This can matter when financing a high-value used Ferrari because mechanical condition, provenance and maintenance history can affect both ownership costs and resale value.
A Ferrari Approved example can still cost substantially more than many new luxury cars, so funding a used model may require just as much planning as buying a new one.
Classic Ferraris need specialist valuation
Older cars do not fit neatly into mainstream depreciation models.
A Testarossa, 458 Speciale or other sought-after Ferrari may have a market value driven by production numbers, originality, history, mileage, condition and collector demand. Some cars have risen in value over time, while others have not.
For that reason, classic and collector-car funding can require a lender that is comfortable valuing unusual vehicles rather than relying only on standard trade data.
Ferrari Financial Services states that its wider finance programme can cover classic models as well as current cars. Buyers considering alternative ownership funding can also compare Car Loans, although personal-loan limits may make that route less relevant for very high-value cars.
Buying through a company needs tax advice
Business owners sometimes consider purchasing or financing a Ferrari through a limited company.
That does not automatically make the car cheaper or more tax-efficient. Company-car Benefit-in-Kind rules, private use, VAT treatment, corporation tax and the accounting treatment of the asset can all affect the outcome.
Get advice from a qualified accountant or tax adviser before placing a high-value performance car into a company. Ferrari car finance should be chosen around the commercial and tax position that genuinely applies, rather than assuming company ownership creates a saving.
Think about liquidity as well as monthly cost
A larger deposit can reduce the amount borrowed, but it also ties more cash into the car. A larger balloon can do the opposite by preserving cash during the agreement while leaving a significant future liability.
For high-value buyers, that trade-off can matter more than shaving a small amount from the APR.
Before choosing Ferrari car finance, compare the deposit, term, interest rate, fees, monthly payments, final payment and total amount payable. Also budget for insurance, servicing, tyres, storage where relevant and warranty cover.
Enjoy Finance provides information about vehicle funding and may link to third-party providers. Any quote, application or agreement is supplied by the relevant third party and remains subject to its own affordability checks, eligibility requirements and terms.
FAQs
Does Ferrari offer its own finance?
Yes. Ferrari Financial Services offers personalised finance for new and Ferrari Approved vehicles and supports funding across a wider range of Ferrari cars.
Can I finance a used Ferrari?
Yes. Ferrari car finance can be available for pre-owned models through Ferrari Financial Services and independent specialist providers. Vehicle value, age, condition and the applicant’s financial circumstances can affect the terms.
Can a Ferrari finance agreement have a balloon payment?
Some high-value vehicle finance structures defer a substantial amount until the end. The size of that payment depends on the car, lender and agreement rather than a universal Ferrari percentage.
Can classic Ferraris be financed?
Yes. Ferrari Financial Services states that its programme can cover classic cars, while specialist lenders also operate in the collector-car market. Valuation is particularly important for older or rare vehicles.
Can I finance a Ferrari through my company?
Potentially, but company ownership can create tax and accounting consequences. Speak with a qualified adviser before choosing a business-funded purchase mainly for tax reasons.
