How to buy a hypercar on finance

If you’re anything like us, the Geneva Motor Show mostly involved dribbling over the styling and specs of the latest supercars, marveling at the boundary-pushing engineering… and then wincing at the six or seven-figure price tag. Bubble burst. Dreams evaporated. Back to reality.

Except, there is another way. Buying a car on finance isn’t only restricted to the more mundane, sub-£50k stuff: if your credit rating is in shape you can whack something far more exotic on the never-never. And as luck would have it, finance provider JBR Capital has compiled a list of the cars it’s had most enquiries about in the last week, since the Geneva Motor Show, and a calculation on each. The results, unless you’re a Premiership footballer on £200,000 a week, are probably still a little out most people's leagues…

Let’s start with the small fry – the new £141,000 Porsche 911 GT3 RS: yours for a deposit of £14,200, 48 monthly payments of £1,561.61 and a final balloon payment of £85,200. 520bhp and 9,000rpm not enough for you? How about the Ferrari 488 Pista, available for a £37,950 deposit, 48 monthly payments of £2,485.47 and a final payment of £151,800.

Sure, you might have to sell the family jewels to scrape together the deposit and take a second job working night shifts at the 24hr McDonalds to keep up with payments, but what’s the big deal? You’ll be the owner of a shiny new, stripped-out Porsche and/or Ferrari.

And if you’re prepared to go that far… why not sell the house and keep on going? A £2.2m Bugatti Chiron Sport could have your name on its V5 for a piffling £440,000 deposit, 48 monthly payments of £19,042.79 and a final cheque for £1.32m. Too comfy? The £3m Aston Martin Valkyrie AMR Pro, when it actually exists, could be your transport and permanent residence for £600,000 down, 48 x £25,972 and £1.8m final payment.

Admittedly, with the latter you’ll end up paying £646,656 more than list after four years, but by that time your one of 25 AMR Pro will almost certainly be worth a fair bit more… if you can get your name on the list at all, that is. Because that’s the problem isn’t it? In the rarified world of hypercars and limited-run supercars you can have all the money in the world but that doesn’t guarantee the manufacturer will let you buy one. Think it’s back to dribbling and wincing for us.