HOW WE DO IT

We offer competitive, flexible finance and we assess each application on its own merits

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.

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BESPOKE FINANCE

Finance personally designed to suit you and your vehicle

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EXPERT KNOWLEDGE

We specialise in high-end vehicles. That’s our only focus

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PERSONAL SERVICE

Face-to-face conversations, decisions made by humans

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COMPETITIVE RATES

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!’

Mercedes 230SL owner

‘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’

Bentley Continental owner

Expert, independent and secure

We are happy to lend anything from £25,000 to £3m, and to date we have loaned over £206m. We pride ourselves on personal service, which means that we don’t just punch numbers into a computer and wait for an answer – we talk to you, use our expert knowledge to assess you and your vehicle, and arrange a finance package to suit your needs.

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 Business Finance Code on trading fairly and responsibly. We are also authorised and regulated by the Financial Conduct Authority.

JBR is award winning

Customers

We arrange a simple, quick and flexible finance package to suit your circumstances and needs perfectly

Brokers

We offer expert advice and a holistic approach to credit scoring, invaluable for unusual or complex client cases

Dealers

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

If you’re looking to finance any new or used classic, luxury or high performance car, our expert team would love to chat with you.

FAQs

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

The Ford GT Story

Follow us on a journey through 54 years of Ford’s illustrious line of two-seater GT models in an in-depth feature about these legendary sports cars.

Bentley Mulsanne The World’s Finest Luxury Car, Probably

In late July Rolls-Royce revealed its all-new Phantom. This eighth-generation model replaces the previous Phantom which, like the six generations before that, was widely regarded as ‘The Best Car in the World’. However, anyone who has ever driven or ridden in the current Bentley Mulsanne might beg to differ with that assertion.

SEPTEMBER’S AUCTION UPDATE 2017

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.

The Rise and Rise of SUVs

It’s no secret that sales of SUVs and crossovers have boomed in recent years with buyers opting for them in place of more traditional hatchbacks, saloons and estates.

Get in touch with our expert team. Find out how we can help you drive the car of your dreams. We are the Ferrari of financiers – with fast, flexible finance and a highly personal approach,

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