A Ferrari lease can be the beginning of a highly considered ownership journey. For many drivers, the appeal goes beyond acceleration figures: Ferrari represents design, racing heritage and a distinctive way of experiencing a high-performance car. The right model and the right finance structure should both fit your lifestyle.
Please note: borrowing money also costs money.
Before applying for a Ferrari lease, compare how different models will be used, what shapes the monthly profile and what the process requires. A grand tourer, a four-door Purosangue and a focused mid-engined car solve very different needs.
Why consider a Ferrari lease?
A Ferrari lease gives an approved client access to a specific vehicle through an agreement with a defined initial contribution, term, monthly instalments and residual value. It can suit clients who prefer structured payments, want to preserve capital or expect to review their vehicle needs after a defined period.
Leasing is not automatically better than buying. Outright ownership may suit a collector or someone who plans to retain the same vehicle for many years. The correct decision depends on the full cost, intended use, future plans and contract conditions.
STX Finance provides specialist luxury car finance for premium and high-value vehicles, including Ferrari models acquired through recognised dealers.
Start with research, not the monthly payment
Very few people choose a Ferrari on impulse. Buyers often compare model layouts, passenger space, luggage capacity, technology and driving character before they request finance.
The model decision should come first because it affects more than the purchase price. It determines how often you will use the car, whether it can accommodate passengers, how it fits business or family travel, and what ownership responsibilities to expect.
Questions to ask during your research
- Will this be a daily vehicle, a grand tourer, a weekend car or part of a collection?
- How many passengers and how much luggage space do I need?
- Do I want a current model or a pre-owned example with a specific history?
- How important are custom paint, interior materials and carbon-fibre options?
- What annual mileage is realistic?
- Do I have access to suitable servicing, storage and insurance?
Which Ferrari model fits your lifestyle?
Ferrari's range covers very different use cases. Availability changes, so confirm the current model and build status with an authorised dealer before making a finance decision.
Ferrari Amalfi: modern grand touring
The Ferrari Amalfi is a front-engined 2+ coupé designed to combine V8 performance with the refinement expected of a grand tourer. It is likely to appeal to drivers who want a car for weekend use and longer journeys without moving into a four-door format.
Its 2+ layout still requires a realistic assessment of rear-seat and luggage needs. A test drive and direct inspection are more valuable than relying only on specifications.
Ferrari Purosangue: four-door versatility
The Ferrari Purosangue offers four doors, four seats and a naturally aspirated V12. It is the more practical option for clients who need easier passenger access, greater luggage flexibility and a higher seating position while retaining Ferrari character.
The Purosangue may suit business travel, family use and longer trips better than a traditional two-seat or 2+ coupé. Its size and use profile should still be considered carefully, particularly for urban driving and secure parking.
Ferrari Roma: a pre-owned grand-touring option
The Roma remains relevant in the pre-owned market for buyers who appreciate its front-engined grand-touring layout. When considering a pre-owned Roma, review the vehicle's history, mileage, servicing, condition and provenance alongside the dealer offer.
Pre-owned availability and specification vary widely. The exact asset—not only the model name—must be assessed for a Ferrari lease.
Purosangue or grand tourer?
The Purosangue and Ferrari's grand-touring coupés serve different priorities.
A Purosangue may be the better fit if you need:
- four full doors and easier passenger access;
- greater luggage flexibility;
- a higher seating position;
- a Ferrari suited to more frequent use; and
- one premium vehicle that can cover several roles.
An Amalfi or pre-owned Roma may suit you if you prefer:
- a lower, more traditional coupé profile;
- a more intimate grand-touring experience;
- occasional rear-seat capability rather than four-door practicality; and
- a vehicle focused on personal or weekend journeys.
Performance is only one part of the choice. Think about how the car will fit your personal and professional routine after the novelty of delivery has passed.
What determines the cost of a Ferrari lease?
There is no fixed monthly price that applies to every Ferrari lease. The proposal is built around the specific vehicle, applicant and structure.
Vehicle price and specification
The dealer price, model year, mileage and condition establish the starting point. Bespoke paint, premium leather, carbon-fibre components, wheels, technology and other options can materially increase the asset value.
Initial contribution
A larger initial contribution can reduce the amount financed and lower the monthly instalment. It also uses more capital at the start, so it should be considered within your wider financial plan.
Lease duration
A longer term can spread payments across more months, but the monthly figure should not be viewed in isolation. Compare the total cost of borrowing and the time you expect to keep the vehicle.
Residual value
The residual value affects both the monthly profile and the amount remaining at the end of the agreement. Some Ferrari models have historically shown strong demand, but future values are never guaranteed. Condition, provenance, mileage, supply and market conditions all matter.
Credit assessment and contract conditions
Final pricing and approval depend on the completed assessment and supporting documents. Mileage allowances, insurance, registration, tax treatment and end-of-term provisions should all be reviewed before signing.
See why clients choose leasing with STX Finance for an overview of the process and responsibilities.
What should the leasing simulation include?
An indicative simulation helps you understand a possible structure before making a commitment. It should clearly identify:
- the exact Ferrari and agreed purchase price;
- the initial contribution;
- the term and monthly instalments;
- the residual value;
- included and excluded costs;
- mileage and use conditions;
- the total amount payable; and
- early-termination and end-of-term options.
Treat the simulation as an illustration until the assessment is complete and final documents have been issued. Never base a decision only on a headline monthly figure.
How does the Ferrari lease process work?
1. Share the dealer offer or sourcing brief
If you have found a Ferrari, send the dealer offer or online listing to STX Finance. If you are still searching, explain the model, age and specification you want so the team can assess whether its dealer network can assist.
2. Review the draft simulation
STX Finance discusses your priorities and prepares an indicative structure. The team aims to provide a tailored simulation within 24 hours after receiving the necessary vehicle and applicant information.
3. Complete the credit intake
If the initial structure is suitable, complete the secure digital credit intake. Typical requirements include proof of identity, contact information, company and beneficial-owner details where relevant, and a credit analysis questionnaire.
4. Confirm the vehicle details
Final documentation may require the Certificate of Conformity, Vehicle Identification Number and other dealer information. Ensure the specifications and price in the final documents match the car you selected.
5. Sign, pay and arrange delivery
After approval, review and sign the final agreement, pay the agreed initial contribution and complete the vehicle acceptance documents. STX Finance coordinates the dealer purchase, while the delivery date is agreed with the dealer. The lease and recurring invoices begin according to the final contract.
The Ferrari experience begins before delivery
Choosing the right Ferrari requires honest consideration of how the car will be used. The Purosangue offers four-door versatility, while the Amalfi and pre-owned Roma provide a more traditional grand-touring experience. Once the model decision is clear, the Ferrari lease can be structured around the specific asset and your priorities.
If you already have a dealer offer, contact STX Finance to request an indicative leasing simulation. Review the full structure, ask questions and proceed only when the final agreement is clear.