Supercar Finance

What’s your monthly budget?

Rates from 9.9% APR. Representative APR 13.9%. We are a credit broker, not a lender.

Representative example: Borrowing £7,500 over 60 months with a representative APR of 13.9%, flat rate of 7.25% and deposit of £0.00, the amount payable is £170.98 per month, with a total cost of £2758.68 and a total amount payable of £10,258.80.

Dreams can come true...

Your ‘Everest’ of motoring might not be a pipe dream after all. With Hippo supercar finance, you can open the door to the very best cars on the planet in an accessible and affordable manner.

Can you get a supercar on finance?

Yes, you can finance a supercar in much the same way as you would any other vehicle. In fact, financing a supercar is a more common route for high-end buyers than you might think, as it offers flexibility, affordability and cashflow advantages compared with an outright purchase.

You’ll find that the eligibility requirements for high-value performance vehicles are stricter, but supercar finance is a well-established market. With the right lender and the right agreement, it’s very possible to put the car you’ve always wanted on your driveway.

How does supercar finance work?

Just like any other car finance deal, essentially. If you meet the eligibility requirements, you’ll be able to finance your chosen vehicle via fixed monthly payments for as long as you please. As for those stricter eligibility requirements and how they compare to your typical car finance deal, they usually mean:

A larger initial deposit.
Higher monthly payments.
A stronger credit history.

Once that’s out of the way, the process of financing a supercar is broadly the same as financing any other car:

Choose the model you’d like to finance.
Decide on the finance product that works for you (PCP, HP or conditional sale).
Set the terms that suit you – deposit amount, length of agreement, mileage allowance (if required).

At the end of your agreement, your options will depend on the type of finance you’ve chosen. With PCP, for example, you could return the car, part-exchange it for another, or make a balloon payment to own it outright. With HP or conditional sale, you’ll own the vehicle automatically once your final payment is made.

Supercar finance deals often involve higher-value balloon payments and stricter conditions, but the principles are the same – it’s about spreading the cost in a way that makes sense for you.

Can I get a bespoke supercar finance deal?

Absolutely. Being firmly in ‘dream car’ territory where customers often have a very specific idea of what they want, bespoke finance deals are more common in the supercar finance market than most others.

If you can’t see the car you’re looking for in our range, contact us and tell us exactly what you’re looking for – and we’ll do our very best to make it happen for you.

Who can apply for supercar finance?

Because of the high values of the vehicles involved, lenders usually look for customers with:

Excellent credit history.
Strong and stable income.
A track record of managing existing credit responsibly.

If you’re considering getting a supercar on finance, you’ll almost certainly need to meet higher thresholds than you would for financing a typical family car. Affordability is key – lenders will want reassurance that you can comfortably keep up with the monthly repayments.

That doesn’t mean the process needs to be complicated, though. We’ll help you understand your options, what you could be approved for, and what the repayment terms might look like before you commit – and we’ll always be honest and transparent along the way.

Types of supercar finance available

Our supercar finance deals are built on the same core products as standard car finance, but with higher values and tailored terms to suit the prestige market.

Personal contract purchase (PCP)

The most popular type of supercar finance, thanks to maximum end-of-term flexibility.
You’ll pay fixed monthly instalments, which are usually lower than HP for the same car.
At the end of the term, you have the choice to return the car, part exchange it (equity dependent), or pay a balloon payment to own it.
Works well for supercars that tend to hold their value (residual value) well over time, keeping monthly payments more manageable.

Hire purchase (HP)

A straightforward path to ownership.
Make fixed monthly payments across the agreed term.
Higher monthly payments than PCP, but no large balloon payment at the end.
Typically better suited to buyers who know they want to take ownership of the car, but would prefer not to buy it outright.

Conditional sale

What to consider before financing a supercar

Supercar finance offers an exciting, accessible route to getting behind the wheel of your ultimate car, but there are a few important things to weigh up before you commit:

Performance cars often come with high insurance premiums, expensive servicing, specialist tyres and higher fuel consumption. These ongoing costs need to be factored into your budget alongside your monthly repayments on the deal itself.

While some rarer models hold their value or even appreciate, most performance cars lose value over time. This is particularly important if you choose PCP, as the balloon payment is based on the car’s predicted future value.

PCP deals often involve substantial balloon payments, sometimes running into six figures if we’re talking about a really top-end vehicle. If you’re considering ownership but want the flexibility that PCP offers, just bear the lump sum ownership requirement in mind.

Some lenders request specific levels of insurance coverage on high-value vehicles, which will increase your costs.

Expect your initial deposit requirement to be higher than for standard cars. This helps balance the finance deal and reduce your monthly payments.

Being clear about these factors helps ensure the deal you choose is right for you – both financially and practically.

Your actual dream car on a simple, affordable finance deal

‘Finding your dream car’ is mentioned a lot in car finance, but with our supercar finance offers, you can actually get the car you’ve always dreamt of on a simple, accessible and affordable finance deal.

It all starts with our quick and easy eligibility check, which will let you find out where you stand without affecting your credit score.*

Supercar finance FAQs

Can you finance a used supercar?

Yes, and there are plenty of benefits to financing a used supercar, too. Used supercars often offer better value, as they’ve already gone through the steepest part of the depreciation curve. Their lower price tag also means they’re easier to get approved for. Plus, we’ve got a number of used high-performance cars in stock and ready to pick up today.

Can I get a supercar on finance with bad credit?

Even though bad credit financing is a big part of what we do, this is very unlikely. Because of the high values involved, lenders look for a strong credit history and evidence of financial stability. If you’ve had credit issues in the past, financing a supercar will be difficult. We’d be happy to look into it for you, regardless.

What sort of credit score will I need to finance a supercar?

There isn’t a fixed score – every lender has its own criteria. That said, you’ll almost always need a good-to-excellent credit profile to be considered for supercar finance, as lenders are taking on significant risk with such high-value assets.

Can I get a supercar on a no-deposit finance deal?

Again, despite our expertise, this is very rare. Most lenders will require a substantial deposit for a supercar finance agreement, as this reduces risk and balances the finance structure of your agreement to an acceptable level.

Can I part-exchange my current car towards a supercar finance deal?

Yes, part exchange is a common way of reducing the deposit required. If you’ve got a car to trade in, speak to our team and we’ll figure out the numbers for you.