How to Finance an Aston Martin

Why People Finance an Aston Martin

There’s a certain allure to an Aston Martin—synonymous with British craftsmanship and cinematic glamour. From the sleek Vantage to the commanding DBX SUV, these cars have a loyal following among drivers seeking both performance and prestige. However, their exclusivity comes at a price. New Aston Martins typically range from £120,000 to well over £200,000, while approved used models still command significant sums.

Few buyers pay outright for such high-value vehicles. Financing an Aston Martin becomes not just practical but often essential, allowing buyers to spread the cost over manageable monthly payments. In the UK, drivers gravitate toward Personal Contract Purchase (PCP) or Hire Purchase (HP) to tailor agreements to their budget and lifestyle. These methods make luxury more accessible, preserving cash flow and providing flexible ownership options.

Your Car Finance Options Explained

Understanding your finance choices is crucial before committing to an Aston Martin. Here’s a breakdown of the main options available to UK buyers:

Personal Contract Purchase (PCP)

PCP is one of the most popular ways to finance an Aston Martin. You pay an initial deposit, followed by fixed monthly payments over 2–4 years. At the end, you can:

• Pay the optional final “balloon” payment to own the car

• Hand the car back

• Use any equity as a deposit on your next Aston Martin

Pros:

• Lower monthly payments compared to HP

• Flexibility at contract end

• Often includes manufacturer-backed offers

Cons:

• Higher final payment to own the vehicle

• Mileage and condition limits apply

Example: “Aston Martin PCP deals often feature lower monthly payments, but the final balloon payment can be substantial.”

Hire Purchase (HP)

HP is straightforward: pay a deposit, then monthly instalments until the full value (plus interest) is paid off. Ownership transfers after the final payment.

Pros:

• Simpler path to ownership

• No mileage restrictions

Cons:

• Higher monthly payments than PCP

• Less flexibility if you want to change cars frequently

Personal Contract Hire (PCH) / Leasing

Leasing is essentially a long-term rental. You never own the car, but enjoy a new or nearly new Aston Martin for a fixed period.

Pros:

• Lower upfront costs

• Maintenance often included

Cons:

• No path to ownership

• Strict return conditions

Personal Loan

Alternatively, some buyers use an unsecured personal loan to fund their Aston Martin purchase. You own the car from day one, but rates may be less competitive for high-value borrowing.

How to Get the Best Deal on an Aston Martin

Securing the best Aston Martin car finance deals in the UK requires a strategic approach. Here’s how savvy buyers maximise value:

1. Compare Lenders & Online Brokers

Don’t rely solely on dealer finance. Use online brokers like Kandoo to compare Aston Martin PCP offers and HP rates from a wide panel of lenders. A broader comparison often reveals more competitive deals and flexible terms.

2. Check Your Credit Score

A strong credit profile unlocks the best rates. Before applying, check your score with a UK credit reference agency (Experian, Equifax, TransUnion) and address any issues. Even a modest boost can lower your monthly payments.

3. Negotiate With Dealers

Dealers may have promotions or manufacturer-backed finance packages, especially on new or nearly new cars. Don’t hesitate to negotiate on price, APR, or extras—especially at the end of a quarter or during plate-change events when sales targets matter.

4. Consider Your Deposit Size

A larger deposit reduces your borrowing amount and monthly payments. While 10% is typical, putting down 20% or more can improve acceptance odds and unlock better rates.

5. Timing Matters

Look for end-of-quarter or end-of-year incentives, and consider shopping around new plate releases (March and September). Dealers may offer enhanced deals to clear stock or hit targets.

Tip: Always read terms carefully and compare the total cost of credit—not just the monthly payment.

Eligibility & Credit Check Tips

Lenders will assess your eligibility based on several factors:

• Income and Affordability: Proof of steady income is key, especially for high-value finance.

• Employment Status: Full-time employment (or stable self-employment) is preferred, but not mandatory.

• Credit History: A clean record unlocks the best Aston Martin finance deals, but imperfect credit doesn’t mean automatic rejection.

• Deposit Size: The more you can put down, the more attractive you appear to lenders.

• Existing Debt: Lenders will check your existing financial commitments to ensure affordability.

Reassurance: Even if you have bad credit, Kandoo can help match you with lenders who may still approve your application. Each lender has their own criteria, and some specialise in helping those with less-than-perfect credit.

Practical steps:

• Check your credit file for errors

• Be honest about your income and expenses

• Avoid multiple hard searches in a short period

Example Finance Scenarios

Let’s bring the numbers to life:

Scenario: You’re buying a 3-year-old Aston Martin Vantage for £80,000.

Option 1: PCP (48 months, 10% deposit, 9.9% APR)

• Deposit: £8,000

• Monthly Payment: ~£950

• Optional Final Payment: £35,000

• Total Payable: ~£88,600 (if you pay the balloon)

Option 2: HP (48 months, 10% deposit, 9.9% APR)

• Deposit: £8,000

• Monthly Payment: ~£1,540

• Final Payment: £0 (car is yours)

• Total Payable: ~£82,000

These figures are illustrative; individual deals will vary by APR, term, and lender. Always obtain a personalised quote.

Common Questions About Aston Martin Finance

Can I get 0% APR on an Aston Martin?

Zero percent finance offers are rare on luxury brands like Aston Martin, especially for used models. Occasionally, manufacturers may run promotions on new cars, but these are limited and often require a strong credit profile and substantial deposit.

Is it cheaper to lease or finance an Aston Martin?

Leasing (PCH) usually offers lower monthly payments and includes maintenance, but you never own the vehicle. Financing (PCP or HP) typically costs more per month, but gives you the option or certainty of ownership. The best route depends on your priorities—ownership or access to a new car every few years.

Can I get Aston Martin finance with bad credit?

While premium lenders may prefer strong credit, there are specialist lenders who consider applicants with less-than-perfect histories. Expect higher rates and larger deposit requirements, but approval is possible. Kandoo can help you compare your options.

Can I refinance my current Aston Martin?

Yes, refinancing is possible, especially if your circumstances or credit profile have improved since your original agreement. This can lower your payments or release equity. Check your current settlement figure before applying.

Are there mileage restrictions on Aston Martin finance?

PCP and PCH agreements include annual mileage limits. Exceeding them can result in additional charges at the end of the contract. HP and personal loans do not impose these limits.

What documents do I need to apply?

Typically, you’ll need proof of ID, address, income, and employment. Lenders may request bank statements or payslips for affordability checks.

How Kandoo Can Help

At Kandoo, we work with a panel of trusted UK lenders to help you find the best Aston Martin finance deals—quickly, securely, and with no impact on your credit score. Our approach is tailored: whether you prefer PCP, HP, or a lease, we compare offers so you can make an informed choice.

If your credit isn’t perfect, don’t worry. We have relationships with specialist lenders who may still approve your application.

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