Financing a Used Supercar in the UAE: LTV & Documents

Financing a Used Supercar in the UAE: Loan-to-Value (LTV) Ratios and Documentation for Exotic Vehicles

Owning a supercar in the UAE has always been a symbol of prestige — a reflection of the nation’s passion for performance, luxury, and speed. From roaring Ferraris on Sheikh Zayed Road to elegant McLarens cruising Jumeirah Beach Road, Dubai and Abu Dhabi are playgrounds for automotive excellence. But what happens when you want to own one of these dream machines without paying the full price upfront?
That’s where supercar financing comes in.

Understanding Loan-to-Value (LTV) Ratios for Supercars

The Loan-to-Value ratio (LTV) determines how much of the car’s price a bank or finance company is willing to cover. For standard used cars in the UAE, LTV can reach up to 80%, but when it comes to exotic or high-performance vehicles, lenders tend to be more conservative.

• Used supercars like Lamborghini Huracán, Ferrari 488, or McLaren 720S often get LTV ratios between 50%–70%, depending on the model year, mileage, and depreciation trends.
• Lenders assess resale value and market demand — meaning a Porsche 911 Turbo S might get a higher LTV than a niche model from a boutique manufacturer.
• Financing terms also depend on whether the car is GCC-spec (preferred by banks) or an imported model.

The lower the LTV, the more down payment you’ll need. But this also means less interest and a lower overall loan cost in the long run.

Key Documentation Needed for Supercar Financing

Financing a supercar involves more scrutiny than a standard sedan. Here’s what most banks or finance companies require in the UAE:

1. Emirates ID and driving license
2. Valid residence visa (for expats)
3. Proof of income (salary certificate or business trade license)
4. Bank statements (last 3–6 months)
5. Vehicle quotation or proforma invoice from a recognized dealer
6. Insurance quotation for the car

If the car is a used supercar, banks may also ask for:

• A valuation report from an approved inspection center
• Service history records to verify condition and maintenance

Tips to Secure Better Financing Terms

• Buy from a trusted dealer: Authorized or reputed used car dealers often have relationships with finance institutions that make approval smoother.
• Maintain good credit history: A higher credit score can help you negotiate better LTV ratios and lower interest rates.
• Consider shorter loan terms: This reduces total interest and keeps your equity higher.
• Compare finance offers: Some banks specialize in luxury car loans with tailored packages for supercars.

Where to Finance Exotic Cars in the UAE

Leading financial institutions like Emirates NBD, ADCB, RAKBANK, and Al-Futtaim Finance offer packages designed for high-end vehicles. Some dealerships also have in-house finance consultants who can connect buyers directly with partner banks.

If you’re buying from a specialized luxury car dealer in Dubai such as First Motors, Al Ain Class Motors, or VIP Motors, they can streamline the documentation and approval process.

Explore More:

- Best Supercars in Dubai Under AED 1 Million – Affordable Luxury & Performance

- The Ultimate Dubai Supercar Spots: Where to See Exotic Cars in 2025

Final Paragraph

Whether you’re eyeing a pre-owned Ferrari, Lamborghini, or McLaren, understanding how supercar financing works in the UAE can make your dream ride a reality. With the right loan-to-value ratio, clean documentation, and trusted dealers, buying a used exotic car for sale in Dubai has never been easier. Explore the latest used supercars for sale in UAE today at Auto Trader UAE — the ultimate marketplace for luxury and performance vehicles across the Emirates.