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 £300 million to thousands 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 date we have loaned over £400M. 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 FLA Lending Code on trading fairly and responsibly. We are also authorised and regulated by the Financial Conduct Authority.
Any age of car considered, including classic, vintage and historic cars
Deep expertise in classics means speedy and realistic valuations
Equity release available to unlock the capital in your classic car
Sensible balloons allow the lowest possible monthly payments
Quick credit decisions driven by humans
Loans from £25k to £10m+ for all marques of supercars and hypercars
Competitive rates and monthly repayments
Manual underwriting enables a flexible view of your credit position
Fixed or variable rates, deposits and scheduled lump sums to suit your cash flow
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
Dr Vincent van der Vinne looks at the intriguing history of the Dino, and it’s transformation from ‘affordable’ Ferrari to the collector gem it is today…
We review the ‘car of the year’ – the Alpine A110. We take the car on the road and on the track at Goodwood, as well as getting some insights from BTCC driver Jake Hill and Alpine’s John Fuggles…
Two auction houses held three sales in early December with 174 cars coming under the hammer, we look at the car sold and how much they went for…
Thinking about going green without sacrificing creature comforts or performance? To help guide you through what’s what eco-wise, we take a look at what the prestige brands have to offer now, and what’s in the proverbial pipeline.
In part two of this in-depth article by Dr Vincent van der Vinne we look more closely at the connection between the classic car and art investment market, and how it correlates to today’s economy.
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,