Car Finance

At Invictus Porsche Specialist, we want every customer to make an informed decision when purchasing their next Porsche or prestige vehicle.

Whether you are buying a Porsche 911, Cayman, Boxster, Macan, Cayenne, Panamera, Taycan, Ferrari, McLaren or another performance vehicle, finance can be a useful way to structure the purchase.

Our approach is simple: we want our customers to obtain the most competitive finance option available to them.

That may be through a direct bank or lender, or through one of the finance brokers and lenders we work with. Before asking us to arrange finance, we normally recommend that customers first check direct options with established lenders such as:

• Lloyds Bank Car Finance
• Admiral Car Finance
• Tesco Bank Car Loan

As of June 2026, the Bank of England base rate is 3.75%. Against that background, some direct lenders are offering vehicle finance or car loan products at rates from around 6% APR, subject to status, eligibility, loan amount, term and credit approval.

For many customers, a rate around this level can be very competitive compared with traditional motor finance packages.

At Invictus Porsche Specialist, we believe customers should have this information in front of them before making a decision. If you are able to obtain a strong rate directly from your own bank or lender, we are happy for you to do so.

We are a supplier with Lloyds Bank and can receive cleared funds from them where applicable, allowing customers to arrange finance directly while still purchasing their vehicle from us smoothly.

We would rather give customers honest guidance from the beginning than push them towards a finance product that may not be the most cost -effective option for them. Customers may wish to compare direct options such as:

Lloyds Bank Car Finance
Lloyds may be able to offer car finance or car loan products at competitive rates, depending on your circumstances, loan amount, term and eligibility.

Admiral Car Finance
Admiral also offers car finance products and may be suitable for customers looking to compare structured vehicle finance options.

Tesco Bank Car Loan
Tesco Bank offers car loans which may be competitive for certain customers, depending on loan amount, term, eligibility and credit profile.

Rates can change at any time and will vary depending on the lender, the customer, the amount borrowed, the repayment term and the product selected.

Customers should always check the latest rate directly with the lender before applying. If you would prefer us to help arrange finance, we can also assist.

Invictus Porsche Specialist works with a number of established finance brokers and lenders who can offer a range of funding options for Porsche, prestige, performance and specialist vehicles.

These include brokers such as:

• Zenith Finance Ltd
• Daytona Finance
• DSG Finance
• Other specialist brokers and direct lenders

This allows us to support customers who may want a tailored finance package, including finance for Porsche, Ferrari, McLaren, BMW M, Mercedes-AMG, Audi RS, classic cars and other specialist vehicles.

We can help introduce customers to suitable finance options depending on the vehicle, deposit, term, credit profile and preferred monthly budget. There are several different ways to finance a vehicle. The right option will depend on how long you intend to keep the car, whether you want to own it at the end, your deposit, monthly budget and future plans.

Common finance options include:

• Hire Purchase
• Personal Contract Purchase
• Hire Purchase with Balloon
• Lease Purchase
• Classic Car Finance
• Prestige & Performance Car Finance

We always recommend that customers consider the full cost of borrowing, not just the monthly payment. Hire Purchase, often called HP, is one of the simplest ways to finance a vehicle.

You usually pay an initial deposit, followed by fixed monthly payments over an agreed term. Once all payments have been made, including any option-to-purchase fee, the vehicle becomes yours.

Hire Purchase is often suitable for customers who intend to keep the vehicle at the end of the agreement and want a simple, fixed monthly repayment structure.

Benefits of Hire Purchase:

• Straightforward finance structure
• Fixed monthly payments
• Flexible deposit options
• Choice of agreement length
• Vehicle ownership at the end of the agreement
• No mileage restrictions in the same way as PCP

Hire Purchase is often a good option for Porsche and prestige vehicle buyers who want long-term ownership. Personal Contract Purchase, known as PCP, is a popular way of financing a vehicle with lower monthly payments than traditional Hire Purchase.

With PCP, part of the vehicle’s value is deferred until the end of the agreement. This is known as the Guaranteed Minimum Future Value, or GMFV.

At the end of the agreement, you usually have three options:

• Pay the final value and keep the car
• Part-exchange the vehicle and use any equity towards your next car
• Hand the vehicle back, subject to mileage and condition terms

PCP can suit customers who like to change cars regularly and want fixed monthly payments over an agreed term.

Benefits of PCP:

• Lower monthly payments than standard HP
• Flexible deposit options
• Fixed monthly payments
• Three options at the end of the agreement
• Useful for customers who change cars regularly

PCP availability may depend on the age, mileage and value of the vehicle. Hire Purchase with a balloon payment is similar to standard Hire Purchase, but with part of the loan deferred until the end of the agreement as a final balloon payment.

This can reduce the monthly payments while still providing a clear route to ownership.

Unlike PCP, there is no Guaranteed Minimum Future Value. The final balloon payment must be settled, refinanced or cleared through part-exchange if you want to move into another vehicle.

This type of finance can be particularly useful for certain Porsche, Ferrari, McLaren andprestige vehicles with strong residual values.

Benefits of Hire Purchase With Balloon:

• Lower monthly payments than standard HP
• Fixed monthly repayments
• Flexible deposit options
• Useful for higher-value specialist vehicles
• Can suit collectable or strong-residual-value cars
• No GMFV structure like PCP

This can be a popular option for performance and specialist vehicles where customers want to manage monthly payments while retaining flexibility. Some Porsche and prestige vehicles require more specialist funding.

This may include modern classics, rare manual Porsche 911s, limited-production models, Ferrari, McLaren or other performance vehicles.

Through our broker network, customers may be able to access finance options designed specifically for specialist vehicles, depending on age, value, mileage and lender criteria.

This can be useful where a standard high-street finance product may not be the best fit. At Invictus Porsche Specialist, our priority is to help customers make a sensible and informed decision.

We will always encourage customers to compare direct lender rates first. If a customer can obtain a better rate directly from their bank or lender, we are happy for them to use that option.

If you would like us to assist, we can introduce you to finance brokers and lenders who may be able to offer suitable options based on your circumstances.

Our aim is to make the buying process straightforward, transparent and properly explained from start to finish. All finance is subject to status, affordability checks, lender approval and terms and conditions.

Rates, deposits, monthly payments and final payments will vary depending on the lender, vehicle, amount borrowed, term and individual circumstances.

The rates referred to on this page are provided as general guidance as of June 2026 and should not be treated as a guaranteed offer of finance.

Customers should always check the latest available rate directly with the lender or finance provider before applying.

Invictus Porsche Specialist may act as an introducer to finance providers and brokers. We do not provide independent financial advice. Customers should consider whether any finance agreement is suitable for their own circumstances before proceeding. If you are interested in financing a Porsche or prestige vehicle, please contact us and we can discuss the options available.

You are also welcome to arrange finance directly with your own bank or lender and purchase the vehicle from us using cleared funds.

Invictus Porsche Specialist
The Old Barn Store, Mill Lane
Hatfield Heath
Bishop’s Stortford
CM22 7AA

Telephone: 07791 261078
Email:[email protected]

Vehicle viewings, finance discussions and appointments are strictly by appointment only.