Luxury Car Finance
Million Plus Private Finance arranges bespoke luxury and supercar car finance for high-net-worth and ultra-high-net-worth clients. We structure private bank car loans that integrate seamlessly with wider balance sheets, delivering discreet, flexible solutions beyond dealership and high street limits. Most clients speak with us after realising dealership finance cannot reflect their full balance sheet or long-term objectives.
Why Choose Million Plus Private Finance for Your Luxury Car Finance?
Luxury car finance requires specialist structuring beyond standard dealership or retail offerings. Million Plus Private Finance works with private banks and specialist lenders to support high-net-worth clients with complex income, international assets, and multi-asset portfolios. We assess balance sheet strength rather than narrow affordability, structuring interest-only or hybrid repayment solutions aligned with long-term wealth planning. As a specialist finance broker for supercars and prestige vehicles, our role is advisory and strategic, ensuring every facility complements broader financial objectives rather than constraining them.
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Whether acquiring a prestige vehicle, restructuring existing ownership, or aligning vehicle finance with wider assets, our senior advisers provide discreet, expert guidance. Share your details to arrange a confidential consultation. Initial conversations are confidential and focused on feasibility, structure, and strategic fit at balance-sheet level.
Million Plus Private Finance provides bespoke luxury car finance solutions through private bank car loans and specialist asset-backed facilities, structured around the client’s full balance sheet rather than conventional income-led assessments.
Our clients typically include business owners with retained profits, international investors, family offices, and private clients with multi-asset portfolios who require greater flexibility than dealership or high street vehicle finance can offer. Where income is complex, offshore, or supplemented by investment assets, private bank structuring allows lending to be aligned more accurately with overall net worth and long-term planning.
Facilities can be tailored to support the financing of luxury cars while preserving capital, releasing liquidity from high-value assets already held, or aligning vehicle ownership with wider investment and portfolio structures. Repayment profiles may be structured on an interest-only or hybrid basis, with security positioned to optimise cashflow efficiency and balance sheet positioning.
This approach frequently delivers more competitive terms, preserves liquidity, and avoids unnecessary constraints on the vehicle or broader portfolio. Million Plus Private Finance manages valuations, lender negotiations, and legal coordination throughout, delivering discreet, efficient outcomes aligned with sophisticated wealth strategies.
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Mortgage Closings
Luxury car finance for high-net-worth clients is most effective when structured through private banks that assess net worth holistically. Unlike dealership finance, private bank car loans consider balance sheet strength, asset quality, and long-term wealth planning rather than relying solely on income multiples.
Million Plus Private Finance advises entrepreneurs, international investors, and family offices with complex, multi-asset portfolios. For some clients, vehicle ownership is best supported through carefully structured lending that preserves capital for investment or business use. For others, existing assets may be incorporated into wider financing arrangements to enhance flexibility, rebalance liquidity, or improve overall efficiency without disrupting long-term plans.
For clients assessing how to finance a luxury car within the context of broader wealth planning, private bank structures often provide greater flexibility and balance sheet efficiency than conventional vehicle finance. Repayment arrangements can be aligned to portfolio objectives, with interest-only or hybrid structures frequently appropriate where assets are held for growth, income, or intergenerational planning.
For family offices and ultra-high-net-worth clients, lending is often approached at portfolio level, allowing multiple assets to be considered within a single strategic framework. Million Plus Private Finance manages the full advisory and execution process, including valuations, lender engagement, and legal coordination, delivering a discreet, efficient experience that integrates luxury car finance seamlessly into complex financial lives.
frequently asked questions
Mortgage Questions Answered
How to finance a luxury car as a high-net-worth individual?
Financing a luxury car as a high-net-worth individual typically involves private banks or specialist lenders who assess overall wealth rather than income alone. Structures may incorporate property, investment portfolios, or existing vehicles to align finance with broader liquidity and wealth planning.
Can I get finance to buy a luxury or supercar?
Yes. Bespoke car finance can be structured through private banks and specialist lenders for prestige, supercar, and collector vehicles.
Can I raise finance against a car I already own?
Yes. Existing luxury or classic vehicles may be refinanced to release liquidity, subject to valuation and lender criteria.
Is finance available for classic and collector cars?
Yes. Finance for classic cars can be arranged through specialist lenders who understand provenance, valuation stability, and long-term ownership considerations.
What is a private bank car loan?
A private bank car loan assesses overall wealth and balance sheet strength rather than relying solely on income, allowing vehicle finance to align with wider financial planning.
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Super Cars
Finance Without Limits
From private bank car loans to refinancing existing vehicles or aligning vehicle ownership with property and investment portfolios, Million Plus Private Finance structures bespoke luxury car finance solutions for high-net-worth and family office clients seeking flexibility beyond conventional limits. Where lending decisions sit within a wider balance sheet, specialist structuring often becomes relevant.
