Premium & Performance Car Finance in London

Making Exceptional Cars Accessible

Owning a premium performance or luxury vehicle doesn't require paying the full amount upfront. At Farlan Automotive, we work with specialist lenders who understand these vehicles and can arrange competitive finance packages tailored to your circumstances.

Whether you're considering a Lamborghini, Porsche, AMG Mercedes, BMW M car, or any vehicle from our collection of vehicles for sale, we'll help you find a finance solution that fits your budget and ownership plans.

Free Finance Check - No Impact on Your Credit Score

Get pre-approved for car finance in minutes with our free eligibility checker. We'll show you exactly what you can borrow and your monthly payment options across our lending partners - all without affecting your credit score.

Our soft search process checks your eligibility with providers such as Admiral, MotoNovo, and Octane Finance, giving you transparent visibility of your options before you commit to anything.

If you're happy with the terms, we can move forward with a full application. If not, there's no obligation and no mark on your credit file.

Your Car Finance Options Explained

We offer two main types of finance for premium and performance vehicles, each with distinct benefits depending on how you prefer to own and drive your car:

Personal Contract Purchase (PCP) - Flexible Ownership

PCP is our most popular finance option for luxury and performance vehicles, offering lower monthly payments and flexibility at the end of your agreement.

How PCP Works:

When you choose PCP, we calculate a Guaranteed Future Value (GFV) for your vehicle - the amount it will be worth at the end of your agreement. You pay a deposit upfront, then make monthly payments on the balance of the vehicle's current price, minus this future value, plus interest.

Because you're only paying the difference between the purchase price and the future value, your monthly payments are lower than traditional car finance, making premium and performance vehicles more accessible.

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

1. Pay the Guaranteed Future Value and keep the vehicle
2. Hand the vehicle back with nothing more to pay (subject to mileage and condition)
3. Part-exchange the vehicle and use any equity toward your next car

PCP car finance is ideal if you:

• Want lower monthly payments for a higher-spec vehicle
• Like changing cars every few years
• Value flexibility in your ownership options
• Want protection against depreciation

Hire Purchase (HP) - Straightforward Ownership

HP offers a more traditional route to car ownership with fixed payments and full ownership at the end of your term.

How HP Works:

You pay an initial deposit (typically between 10% to 20% of the car’s value, but this can be flexible based on your circumstances), then make fixed monthly payments over an agreed period - usually between 2 and 5 years for premium vehicles.

Once you've made your final payment, the vehicle is yours with no further fees or balloon payments.

HP car finance is ideal if you:

• Want to own the vehicle outright at the end
• Prefer straightforward, predictable payments
• Plan to keep the vehicle long-term
• Don't want mileage restrictions

Why Choose Farlan Automotive for Car Finance?

Specialist Lenders for Premium Vehicles

We work exclusively with lenders who understand luxury and performance cars and can structure finance appropriately for high-value vehicles.

Transparent Vehicle Comparison

View finance examples for every vehicle in our stock, sorted by monthly payment, term length, APR, or total repayable amount. This way, you'll see exactly what each option costs before making any commitments.

Expert Guidance

Our team understands both the financial products and the vehicles. We'll explain your options clearly and ensure you're comfortable with every aspect of your agreement.

No Hard Credit Checks Until You're Ready

Check your eligibility and get pre-approved without impacting your credit score. Only when you decide to proceed do we run a full credit application.

Quick Decisions

Most applications receive a decision within hours, not days. If you're pre-approved, you could be driving your new car within a few days.

Reserve Your Vehicle for £99

Found the perfect car? Secure it online with a £99 refundable deposit while we arrange your finance. This holds the vehicle exclusively for you and gives you time to finalise the details without any pressure.

Rest assured that your reservation fee is fully refundable if you decide not to proceed.

How to Apply for Car Finance

1. Find Your Vehicle - Browse our collection of premium and performance cars for sale
2. Check Your Eligibility - Use our free tool to see your finance options (no credit impact)
3. Choose Your Terms - Select your deposit, monthly payment, and agreement length
4. Reserve Your Car for £99 - Secure the vehicle while we arrange everything
5. Complete Your Application - Provide final documentation and verification
6. Drive Away - Collect your vehicle once finance is approved and the documentation is signed

Are you ready to get started? Contact our team on 020 3874 6171 or use our online eligibility checker. 

Car Finance FAQs

Can I settle my car finance agreement early?

Yes, both Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements can be settled early. We'll provide a settlement figure which includes any early settlement charges as set out in your agreement.

What deposit do I need for car finance?

Deposits vary based on the vehicle and your circumstances. Typically, you can expect to pay between 10% to 20% upfront for HP car finance, and sometimes lower for PCP agreements. What’s important to know is that larger deposits reduce your monthly payments.

What documents do I need for car finance?

You’ll need proof of identity, proof of address (within the last 3 months), and proof of income (recent payslips or bank statements). If you’re self-employed, we'll need your latest accounts or SA302 forms.

Can I part-exchange my current vehicle?

Absolutely. We'll provide a fair valuation for your current car, which can be used as your deposit, reducing the amount you need to borrow.

What credit score do I need for car finance?

Requirements vary by lender. Our free online eligibility checker will show which lenders you're most likely to be approved with based on your credit profile.