Supercar Finance Guide
Understanding Supercar Finance in Australia
They’re engineered for speed, crafted for prestige, and designed to stir emotion.
Supercars sit in a class of their own, but so does the way you finance them.
This guide explains how supercar finance works in Australia, what lenders look for, and how to structure ownership intelligently so you can drive the extraordinary without disrupting your investment strategy.
You can also review our How to Finance a Supercar in Australia guide for a simple breakdown of the process.
What Counts as a Supercar
Supercars, exotics and hypercars all belong to an elite tier of automotive excellence, each blending power, rarity, and design: Ferrari, Porsche, Lamborghini, Aston Martin, Maserati, Ford GT, Lotus, Ruf, Hennessey and many more.
Exotic Cars
Exotic cars are rare, high-performance luxury vehicles that stand apart for design and craftsmanship but may not reach full “supercar” extremes.
Examples: Aston Martin DBS, Bentley Continental GT, Rolls-Royce Wraith, Jaguar F-Type.
Supercars
Supercars define the modern performance benchmark with lightweight materials, advanced aerodynamics, and track-level speed that still thrives on the open road.
Examples: Ferrari 296 GTB, Porsche 911 GT3, Lamborghini Huracán, McLaren Artura, Chevrolet Corvette Z06.
Hypercars
Hypercars are the summit of innovation and exclusivity where technology, performance, and price reach seven-figure territory.
Examples: Bugatti Chiron, McLaren P1, Ferrari LaFerrari, Porsche 918 Spyder, Koenigsegg Jesko.
How Supercar Finance Works
Supercar finance operates much like a standard car loan but with larger sums, more tailored structures, and stricter credit vetting.
Most buyers choose to fund their vehicles through specialised lenders or brokers who understand the nuances of high-value automotive assets.
Financing can be set up personally or through a business, allowing clients to preserve liquidity, manage tax efficiency, and plan asset rotation.
Common Supercar Finance Structures
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A popular option for business owners and company directors purchasing through their ABN.
You own the vehicle from day one.
GST on the purchase price can often be claimed on your next BAS.
Interest and depreciation may be tax-deductible when the car is used for business purposes.
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Ideal for executives or professionals receiving vehicle benefits.
Payments are deducted from pre-tax income.
Option to upgrade every few years.
Residual value at the end of the term gives flexibility to retain or replace the vehicle.
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Designed for collectors or private buyers not purchasing through a business.
Fixed or variable rates available.
Flexible balloon and term options (1–7 years).
Suitable for new, used, or privately purchased supercars.
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From application to approval, our streamlined process is designed to make financing your dream car as effortless as possible.
Eligibility and Requirements
Because of the values involved, often $300,000 to $1.2 million or more, lenders apply stricter assessment criteria. Typical requirements include:
Excellent credit history: Generally above 700.
Strong income or business cash flow: Proof you can service high-value repayments.
Deposit: 10 to 30 percent is standard.
Established lending history: Especially if applying for seven-figure limits.
Comprehensive insurance: Must be in place before settlement.
Business applicants: Two years of trading history, financial statements, and tax compliance may be requested.
Understanding Balloons and Residuals
A balloon (or residual) payment is a lump sum due at the end of the term.
It lowers your monthly repayments while keeping options open to refinance, upgrade, or pay out.
Managing residuals correctly can preserve cash flow and align your finance with business depreciation schedules.
Tax and Business Considerations
Business buyers may claim GST and depreciation where eligible.
Interest expenses can often be offset against income.
Luxury Car Tax (LCT) applies to vehicles above the current ATO threshold (updated annually).
Speak with your accountant before purchase to structure ownership efficiently.
Advantages of Financing a Supercar
Preserve Capital – Keep funds invested in appreciating assets.
Tax Efficiency – Potential deductions for business use.
Upgrade Flexibility – Trade or refinance at the end of term.
Access to Specialist Lenders – Better rates and understanding of prestige assets.
Alternative Funding Options
Business Loan: For ABN holders wanting a broader lending facility.
Asset-Based Lending: Use existing business or property equity as security.
Refinance or Equity Release: Unlock value from owned vehicles or collections.
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.