Lease Purchase

We make owning a luxury, classic or high-performance car within your reach, with flexible and competitive lease purchase packages to suit you.

Owning your own supercar, classic car or prestige car has never been more affordable, thanks to our lease purchase options.

Choosing a lease purchase agreement lets you make regular payments, similar to a hire purchase agreement, but you own the car at the end of the fixed term. There’s a final ‘balloon payment’, usually paid at the end of the term. After that, the car is all yours. Here’s what you need to know:

  • You pay a deposit and then make monthly payments for the length of the agreement
  • The balloon payment is normally based on what the car is conservatively expected to be worth at that point in time, taking into account the car’s mileage, its age and the length of the agreement
  • The more the car holds its value, the more affordable the lease purchase agreement becomes. This makes lease purchase agreements very popular with owners of premium or luxury cars

At the end of the agreement, you are required to pay the balloon amount (usually through a cash payment or via a second finance agreement. There’s no option to return the vehicle. A typical lease purchase agreement lasts between two and five years, but it is possible to fully or partially settle the outstanding finance at any point. To find out more about how to do this, get in touch and we’ll do our best to help.

If you’re interested in finding out more about how lease purchase can put you on the path towards owning the car of your dreams, it’s well worth calling us on 020 3355 0035 and asking us for a quotation.

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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

We offer lease purchase finance on all high end vehicles

Our Customers come first

‘I work in an area where cashflow can be rather all-or-nothing. JBR understood this and were able to arrange financing for me where others struggled.’

An Audi R8 owner

‘The McLaren P1 really is the pinnacle of modern supercars. The finance package JBR Capital put together for me made it a possibility rather than a dream.’

A McLaren P1 purchaser

Expert, independent and secure

We are happy to lend anything from £25,000 to £3m, and to date we have loaned over £175m. 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 regulated by the Financial Conduct Authority.

Our Financial Partners

FAQs

HOW DOES CAR FINANCE DIFFER FROM LEASING?

When you lease a car, you make monthly payments but the vehicle is returned to the finance provider at the end of the lease. With our finance options, you own the vehicle at the end of the agreement.

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.

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 percent 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.

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.

WHAT HAPPENS AT THE END OF THE AGREEMENT TERM?

You have several options. You can pay off the balance and own the car outright, you can refinance the balloon sum for an additional term or you can sell the car to pay the balloon sum and keep the remaining equity yourself. It’s up to you.

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 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.

Contact us to learn more about fast, flexible lease purchase