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
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
Useful Car Finance Tools
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
Friday 13th July saw Bonhams stage its 50th Goodwood sale at the 25th Festival of Speed. The star lot was ‘2 VEV’, as raced by Jim Clark and now arguably the most desirable of the 19 Aston Martin DB4 GT Zagatos built despite it having been involved in two significant shunts back in the day and not powered by its original engine.
Considering investing in a classic car but have reservations about complex and costly maintenance, availability of parts and unforeseen running costs? We’re here to help.
We recently caught up with Academy Motorsport team owner and driver Matt Nicoll-Jones at the British GT event at Rockingham.
Every once in a while an opportunity arises for me to get behind the wheel of something rather special. In this instance, that ‘something’ is the new Rolls-Royce Phantom VIII – a car that redefines luxury and is, perhaps surprisingly, as enjoyable to drive as it is to be driven in.
JBR Capital was named Best Specialist Car Finance Provider at last night’s Car Finance Awards.