At JBR Capital, we take a holistic approach to credit underwriting. Whether you’re looking for hire purchase, lease purchase, buying from a private owner, an auction or direct from a supercar manufacturer, we take your needs into account and will prepare a custom-built finance package.
- Equity release: we can offer equity release against your existing vehicles, releasing tied-up funds and allowing you to make another purchase or upgrade. See how equity release can work for you.
- Refinancing: if you have existing finance agreements we can take them over and arrange bespoke terms to fit your exact circumstances. Find out more about how to refinance your current vehicle.
- Quick decision: within a week most of our customers get the go-ahead on their finance.
Our bespoke finance packages range from £25,000 to £3 million-plus, and to date we’ve loaned more than £125 million to hundreds of satisfied customers. We’re committed to lending responsibly – please read our Fair Treatment Manifesto.
How we do it
Finance personally designed to suit you and your vehicle
We specialise in high-end vehicles. That’s our only focus
Face-to-face conversations, decisions made by humans
Fast results, with the ability to achieve low monthly repayments
Our Customers come first
‘I was very pleased that JBR were able to take into account a realistic value for my classic 1972 Mercedes – some lenders had told me it was still depreciating!’
‘I was one of a number of enthusiasts interested in a rare Bentley. Thanks to JBR’s fast service, I was able to get the funds quickly and beat the others to the car’
Expert, independent and secure
We are happy to lend anything from £25,000 to £10m+, and to
As a result, we have received numerous awards and nominations, including the Auto Finance Awards, Motor Finance Awards and Car Finance Awards.
Backed by Cabot Square Capital, our management team has decades of combined experience in the worlds of automotive finance and financial services. We are full members of the Finance & Leasing Association and abide by its FLA Lending Code on trading fairly and responsibly. We are also authorised and regulated by the Financial Conduct Authority.
We arrange a simple, quick and flexible finance package to suit your circumstances and needs perfectly
We offer expert advice and a holistic approach to credit scoring, invaluable for unusual or complex client cases
We know speed is vital for getting deals done. Thanks to our experience and flexibility, we meet the tightest deadlines
Contact us to learn more about our fast, flexible luxury car finance
How much deposit will I need?
Usually 10-20% of the cost of the vehicle. The exact sum will depend on your financial situation and whether you are buying a new or used car. However, there are a few agreements that do not require any deposit, whereas others may ask for up to 30 per cent to qualify for a low interest rate. Of course, the more money you can put down as a deposit the less you’ll have to borrow and therefore the lower your monthly repayments will be.
I have bad credit; can I still get car finance?
The short answer is: Quite possibly. We take a holistic approach to credit underwriting and assess each application on its own merits. There are often very valid reasons why someone has a less than perfect credit history, and we always take into account each individual’s circumstances. If you’d like to discuss this, we’d be delighted to explain further.
Can I settle the agreement early?
Yes, but charges will usually apply – these are explained in the terms and conditions of your agreement. Please call us for further information.
Can I sell the car?
Once you’ve paid off the outstanding sum it’s yours and you can do whatever you like with it. However, while you’re still paying off the finance you aren’t legally entitled to sell the car.
Can I reduce my monthly payment?
You can reduce your monthly repayments by putting down a larger deposit at the start of a finance agreement, or deferring a lump sum (also known as a balloon payment) until the end of the agreement, which can be a useful option in some circumstances. Call us to discuss your options and we can explain more.
What interest rate will I be charged?
This will depend on the value of the car you are interested in buying, the type of finance you choose and your personal circumstances. If you’d like a personal quote, get in touch. We’d be happy to oblige.
Can I arrange finance for more than one car?
Yes – we have financed multiple car purchases for many clients. We look to build long-standing relationships with our clients and we’ll be happy to assess your requirements.
JBR Blog Entries
Having sold some 188 cars grossing $152.6 million between them during Monterey Week in mid August, and no doubt downed a celebratory flute or two of Californian spumante, the Bonhams and RM Sotheby’s teams packed their bags for Britain and beyond.
We caught up with our friends at Ginetta to find out more about the Ginetta Racing Drivers Club (GRDC) – a racing programme designed for newcomers to motorsport. We joined them at Rockingham for the British GT event, which saw the first GRDC race of the season, as well as more experienced drivers in the GT5 Challenge.
Following our recent test drive of the GT8, we were lucky enough to get our hands on an Aston Martin V12 Vantage Red Bull Edition. JBR Capital’s Martin Kennington took the car for a spin around Henley and found it be something rather special indeed.
A while back we spoke to a number of classic car dealers and experts about their ‘classic finds’ – dusty and forgotten old cars that had been languishing unloved for years. Their stories made for interesting reading, so having allowed suitable time to pass we’ve unearthed a few more.
This Saturday (March 24th) we were lucky enough to join 300 supercars at Bruntingthorpe Proving Ground for SuperCar Driver’s season-opening event, the ‘secret meet.’