How to Finance a Supercar in Australia
Finance a Luxury or Performance Car in 5 Clear Steps
Financing a supercar in Australia, whether it’s a Ferrari, Lamborghini, Porsche or McLaren, is often more straightforward than buyers expect once you understand how lenders approach performance and prestige vehicles. Unlike standard car loans, supercar finance involves specialised structures tailored for high-value assets and luxury buyers. This guide explains how supercar financing works, what your key options are, and the essential steps to get approved. Whether you're purchasing from a dealer, private seller or importing, we cover everything you need to make informed decisions. Start with our Supercar Finance Guide for a full overview, then use this page to explore the practical details of financing a performance car in Australia. Visit our Take Action page when you're ready to compare tailored finance solutions or begin your application.
Why More Australians Are Financing Supercars
Supercar buyers today are strategic. Whether the goal is a Ferrari, McLaren, Porsche or Aston Martin, most prefer to keep their cash working elsewhere while spreading the cost of ownership over time.
Key benefits of financing a supercar include:
• Lower upfront cost compared to paying in full
• Freedom to allocate capital to property, investments or business growth
• Flexibility to upgrade or rotate vehicles as new models release
• Ability to unlock equity from cars already owned
• Access to specialist lenders offering structures built for high-value vehicles
If you’re looking to enjoy a supercar while maintaining financial control, structured finance is often the smartest approach.
Can You Finance a Ferrari, Porsche, Lamborghini or Aston Martin?
Yes, these brands are financed every day in Australia.
We regularly assist buyers with tailored options for:
• Ferrari finance
• Porsche finance
• Lamborghini finance
• McLaren finance
• Aston Martin finance
• Bentley, Maserati, AMG, BMW M and more
Each brand has its own nuances around valuation, depreciation and insurance. Working with a broker who understands prestige vehicles ensures the structure matches the car you’re purchasing and your goals for ownership.
How to Finance a Supercar: A Simple Breakdown
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Many clients speak to us before they commit to a specific car.
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We compare specialist lenders who fund high-value performance vehicles.
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This may include ID, income verification or business financials.
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With documents ready, approvals can occur within 24 hours.
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We coordinate with the dealership or private seller so you can take delivery.
Financing Options for Supercar Buyers
While structures vary, most supercar loans fall into three categories:
Hire Purchase
Equal monthly repayments over a fixed term leading to full ownership.
Lease or Lease Purchase
Lower payments during the term with a larger final payment (residual or balloon).
Equity Release
Access the value tied up in your current supercar or classic car to fund another purchase.
Each structure suits different goals, some buyers want the lowest monthly commitment, while others want to maximise cash flow or prepare for their next upgrade.
How Much Does Supercar Finance Cost?
Monthly repayments are influenced by:
• The vehicle price
• Your deposit
• The length of the term
• The size of the residual/balloon
• Whether the loan is business or personal
• Your financial profile
Lenders also consider the car’s condition, age, brand and resale history. We model different scenarios so you can see how each option affects cash flow before you commit.
Where to Find Your Dream Supercar
Whether you’re browsing prestige dealerships, private listings or collector networks, we work with buyers at every stage. Many clients bring us a vehicle they’ve found online; others ask us to confirm borrowing capacity before they begin searching.
Once you’ve found the right car, simply send us the details and we’ll prepare a tailored quote.
Do You Need Special Insurance for a Supercar?
Yes. Performance vehicles require comprehensive cover before settlement. We can direct you to prestige insurers who understand high-value vehicles and offer fast turnaround.
Speak with a Supercar Finance Specialist Today
Owning a supercar is about more than passion; it is about precision.
Whether you are upgrading your collection or purchasing your first performance car, our specialists will tailor a finance structure that fits your goals.