Bespoke finance for your dream Lotus

If you’re considering purchasing a Lotus, talk to us. We are high-end car finance experts, and can put together a bespoke, flexible arrangement to suit your financial circumstances, your car, and your future needs.

Our personal service means that we can take into account many more factors than a high street lender – for instance the car’s true residual value, other assets you may own or your business situation – and come up with a fast decision and a plan to suit you. We often offer lower payments than other lenders, and we can offer finance to clients who may be turned away by the computer-driven checklists of other companies. So contact us about finance, either before you start hunting for the perfect Lotus, or after you’ve decided on your dream car.



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


Competitive rates

Fast results, with the ability to achieve low monthly repayments

The Incredible Lightness of Lotus

Even more than most small car companies, Lotus was the product of a singular vision – that of Colin ChapLotus Elan - Lotus Finance - Classic Car Financeman, a brilliant engineer and designer of racing and road cars. His racers won Formula One world championships seven times as well as the
Indianapolis 500, and his road cars set new standards for handling and driver feedback.

And what’s more, many of the early Lotus cars have become much sought-after – one of the very earliest, the stripped-down purists’ delight Lotus Seven, is still in production today under the Caterham name, proving that the appeal of a no-frills sports-racer endures endlessly.

Then there are the other Lotuses (Loti?) which became larger, more powerful and more civilised as the years went on, from the cute Elite to the pretty Elan, The striking Europa and on through a series of E-prefixed supercars like the Esprit, Éclat and Excel.

There have been many collaborations with other marques too, from ‘60s super-saloon the Lotus Cortina to the beefy Lotus Carlton for Vauxhall/Opel; there was a collaboration with Toyota too, Sunbeam Talbot, Opel and even a record-breaking bicycle.

Colin Chapman’s engineering mantra, borrowed from American engineer William Bushnell Stout, was ‘simplicate and add more lightness’. “Adding power makes you faster on the straights”, he said once, “but losing weight makes you faster everywhere.” This occasionally had unwanted side-effects – his techniques of making one component do multiple jobs and paring down every element to a bare minimum sometimes made his designs rather prone to failure compared to more sturdily-built rivals. The enthusiast’s joke that Lotus stands for ‘Lots Of Trouble, Usually Serious’ is meant light-heartedly, but certainly contains a grain of truth. However, modern materials and uprated components mean that it’s now perfectly possible to run a well-fettled classic Lotus without a gold card breakdown membership.

Though he died in 1982, Chapman’s legacy very much lives on in the modern Lotus company. The engineering side is highly respected across the world and works for a variety of clients on all kinds of complex leading-edge projects. The car division, meanwhile, producesLotus Esprit - Lotus Finance - Classic Car Finance the Elise roadster and Exige coupé, the Evora supercar and the incredibly fast and single-minded track-only Exos. All share the Chapman DNA – they’re light, often with much use of exotic materials, grippy and quick.

And as an unexpected side-effect, that lightness makes them ideal for the latest hybrid or electric powertrains; the battery-fuelled Tesla Roadster was really a mildly re-engineered Lotus Elise, and in fact was largely built at Lotus’s plant in Hethel, Norfolk. As somebody who spent their entire life chasing new and innovative ideas in advanced engineering, Colin Chapman would surely have approved.

If you’re interested in acquiring one of these superlative British-built drivers’ cars, talk to us. We are experts in financing superb cars such as these, and would be delighted to help you achieve your aim.

Financing Your Lotus

Key Points


Hire Purchase

A simple loan arrangement, paid off in regular instalments



A scheme where you pay a regular sum, with a ‘balloon’ payment at the end



Very competitive monthly payments. Can be fixed or variable


Interest Rate

Decided at the start of the arrangement, if fixed; can also vary based on a pre-agreed formula



Usually 10-20% but can be anything from zero to a much higher amount



Our judgement of your ability to afford the payments, based on our own very personal, tailored criteria



What we assess your vehicle will be worth at the end of the agreement, based on our expert knowledge of the high-end car market



Otherwise known as Personal Contract Purchase, we currently only offer this through our McLaren Financial Services partnership. Contact us for more details

Our Customers come first

‘Lotus cars can be expensive to restore, but fetch very high prices when finished. JBR Capital were able to allow me to purchase a very well-restored example indeed.’

A classic Lotus enthusiast

‘If you’ve driven an Elan you imediately want one. It’s that good. But my bonus wasn’t due at the time, so JBR put together a very good lease hire deal for me.’

An enthusiast and City trader

Top Lotus Models We Finance



Superb-handling classic sports car, 1962-1973



Light, sleek drivers’ sports car, 1996-now



Fine-handling 2+2 sports coupé, 2009-now

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

JBR is award winning

Get in touch for fast, flexible Lotus finance tailored to your needs

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.

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