Specialist Car Finance

Tailored Finance Solutions for Prestige, Luxury & High-Value Vehicles

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What is Specialist Car Finance?

Specialist car finance is a bespoke funding solution designed for high-net-worth individuals and businesses purchasing high-value vehicles, typically priced from £100,000+. Whether you’re buying a supercar, luxury 4×4, classic car, or performance vehicle, we offer flexible finance arrangements tailored to your needs and lifestyle.

This type of finance is ideal for:

Purchasing prestige and luxury vehicles
Financing supercars and hypercars
Classic car acquisition
Business-owned high-end vehicles
Refinancing existing car collections
Funding private collections or multiple vehicles

Key Benefits of Specialist Car Finance

Flexible Structures – Bespoke solutions including Hire Purchase, Balloon payments, and interest-only plans
Preserve Capital – Keep cash in your business or investment portfolio while driving the vehicle you want
High LTV Lending – Finance up to 95% of the vehicle’s value, with low deposits available
Refinance Existing Vehicles – Release capital from your car collection for a range of purposes
Discreet, Concierge-Led Service – Expert handling with privacy and service at the core

Who is Eligible?

Specialist car finance is available to:

High-net-worth individuals
Entrepreneurs and business owners
Company directors financing through their business
Investors and collectors of luxury or classic cars
Professional sportspeople and entertainers

How much can you borrow?

Vehicle Value: Typically from £100,000 to £5,000,000+
Loan Amounts: Finance up to 95% of the vehicle’s value (more with additional security)
Term Lengths: Typically 12 to 72 months (longer terms are available)
Deposit: Flexible – from 5–25% depending on asset and profile
Repayment Options: Fixed monthly payments, balloon payments, or interest-only plans
Rates: Competitive rates based on asset, profile, and lender

Why choose VAST?

Value: Our large and diverse lender panel mean that we can negotiate the best terms on your behalf.
Access: We connect you with lenders, products, and senior decision-makers not always available directly, leveraging our industry expertise. We work with over 120 lenders from high street banks to challenger banks and private lenders.
Service: We offer a personal service where you have just one point of contact from start to finish. We are experienced and have substantial expertise that supports investors to navigate the market conditions. We’re the Private or Corporate Bank Manager you wish you had on your side.
Trust and Time: We work for you, not the lender. We’re listen to your needs and deliver the solution that is in your interests. That includes total transparency around fees from the start. By handling every detail from start to finish we give you back the one thing you cannot buy – time.

What types of cars can I finance?VAST2025-03-24T11:25:08+00:00

What types of cars can I finance?

Supercars, luxury vehicles, prestige marques (e.g. Ferrari, Rolls-Royce, Bentley, Lamborghini, McLaren), classic cars, restored and professionally modified cars, track cars, and rare collector cars.

Can I finance a car through my business?VAST2025-03-24T11:25:14+00:00

Can I finance a car through my business?

Yes – we offer both personal and business finance options.

Is there a minimum deposit required?VAST2025-03-24T11:25:20+00:00

Is there a minimum deposit required?

Typically from 5%–25%, but this varies based on your profile, the vehicle and the lender. In some cases, equity from another asset can reduce the need for a deposit.

Can I finance a classic or vintage car?VAST2025-03-24T11:25:28+00:00

Can I finance a classic or vintage car?

Yes – we work with lenders who specialise in classic and collectible car finance, including restoration projects.

Can I settle my agreement early?VAST2025-03-24T11:25:37+00:00

Can I settle my agreement early?

Yes – early settlement is possible with most agreements, often with minimal fees. We’ll advise you upfront.

Can I finance a car purchased from a private seller?VAST2025-03-24T11:25:44+00:00

Can I finance a car purchased from a private seller?

Yes – we can arrange finance for both dealership and private sales.

Can I refinance my current luxury car finance?VAST2025-03-24T11:25:52+00:00

Can I refinance my current luxury car finance?

Absolutely – we can help you restructure or refinance an existing agreement for better terms, lower payments or cash release.

Get Started Today

Ready to fund your next prestige or performance vehicle? Whether personal or business, we’ll build the perfect finance package for your needs.