Bespoke Car Finance
Finance for Prestige, Luxury, Supercars & Classic Cars
Bespoke Finance for Exceptional Vehicles
Buying a prestige or specialist vehicle is rarely an impulse purchase. It's an investment, a passion or the fulfilment of a long-held ambition. That's why the finance solution deserves just as much thought as the vehicle itself.
Whether you're purchasing a supercar, modern classic, collector's vehicle, luxury SUV or campervan, Rayner Smith Finance offers bespoke funding solutions tailored to your individual requirements. We understand that every client is different, and every vehicle has its own story.
With decades of automotive and finance experience, we'll guide you through the options, explain everything clearly and provide a level of personal service that's increasingly hard to find. From your initial enquiry through to completion, you'll deal with experienced people who genuinely understand both the vehicles and the finance behind them.
We regularly arrange finance for vehicles that fall outside standard motor finance criteria, including classic cars, collector vehicles, limited editions, imports, high-value prestige cars and specialist leisure vehicles.
What we offer
Performance & Supercar
From Porsche and Aston Martin to BMW M and Audi RS models, we arrange tailored finance for drivers who want more than just everyday motoring.
Vehicle Equity Release
If you already own a prestige or specialist vehicle, equity release can unlock capital tied up in your vehicle without the need to sell it, giving you greater financial flexibility while retaining ownership.
Classic & Investment
From cherished classics to collectible investment vehicles, we arrange bespoke finance for customers looking to preserve, enjoy or invest in exceptional cars.
Hire Purchase (HP)
A straightforward finance option for customers who want to own their vehicle outright. Spread the cost over an agreed term with fixed monthly payments, before taking full ownership once the final payment has been made.
Personal Contract Purchase (PCP)
A flexible way to finance your next vehicle with lower monthly payments than traditional Hire Purchase. At the end of the agreement, you can choose to return the vehicle, pay the optional final payment to own it, or change into something new.
Lease Purchase
Ideal for prestige and specialist vehicles, Lease Purchase offers lower monthly payments by deferring part of the balance until the end of the agreement. It's a popular option for customers planning to retain ownership of their vehicle.
Refinance & Equity Release
Release capital tied up in a vehicle you already own without having to sell it. Whether you're looking to improve cash flow or fund another investment, refinancing can provide greater financial flexibility while allowing you to keep your vehicle.
