Koenigsegg Finance in 2026: Funding a Car Built in Double Figures
Seventy. That is the entire production run of the Koenigsegg CC850, and it only reached seventy because the first fifty sold out. The car carries a UK reference price of £3,650,000, which means a buyer who wants to spread the cost is asking a lender to put well over two million pounds against something almost nobody else owns. There is no trade guide for it, no auction history worth the name and no used market that moves every week. So when someone asks us how Koenigsegg finance works, the honest answer starts somewhere unexpected. It starts with the car’s value, not the interest rate, because a lender cannot price the risk until everyone agrees what the security is worth. This guide works through that problem with real numbers: what the monthly figures look like, why allocation and import change the timing, and which side of consumer credit law your agreement lands on.
Koenigsegg Finance is part of Hypercar Finance, a trading name of Lenzie Consulting Ltd (company number 08174104). We arrange finance: we are not a lender, not a dealer and we do not sell cars. The business is not authorised or regulated by the FCA. Agreements entered into wholly or predominantly for business purposes are not regulated consumer credit, and we arrange those directly; where an agreement is regulated consumer credit we introduce it to an FCA authorised broker partner, which carries the regulated activity and any advice. There is no minimum advance. Every figure below is indicative, not an offer.
Not affiliated with Koenigsegg Automotive AB. Vehicle marques named here are the trade marks of their respective owners.
In the episode below, Georgina walks through how a car with almost no comparable sales gets valued, allocated and funded.
Can you finance a Koenigsegg in the UK?
Yes, but not through the routes most car buyers know. There is no Koenigsegg captive finance arm in this market, so there is no manufacturer scheme to sign at the point of sale, and a high street bank will rarely take a view on a car priced in millions. The lending comes from specialist asset lenders and private banks that are comfortable holding security over a rare car.
The agreements themselves are familiar. Hire purchase spreads the whole cost and the car is yours with the last payment. Lease purchase leaves a slice of the balance to one final payment, which lowers the monthly figure. A personal contract purchase guarantees a closing value, which is hard to get on a car with so little sales evidence behind it. And a refinance releases capital against a Koenigsegg you already own. Our Koenigsegg finance pages set each of these out against the current cars.
What differs from an ordinary car is the order of the conversation. On a mass-market car the lender reads a value from a guide and moves straight to affordability. Here, the value is the first thing to be argued over.
Why the valuation comes before the rate
When we reviewed every Koenigsegg publicly advertised for sale in the UK on 8 August 2026, we found five cars. Three carried no price at all. The two that did were a 2025 Jesko at £4,260,000 including VAT and a 2022 Regera at £2,600,000. Those are asking prices, not sale prices, and they are the whole visible market.
Now set that beside the production runs. According to manufacturer data, the Jesko run is 125 cars, the Regera 80, the Agera RS 25 and the One:1 just seven. A lender advancing 80 per cent of a price on a car like that is not leaning on a broad used market, because there is not one. It is leaning on the individual car: its specification, its mileage, its service record and whether the history file is complete.
That cuts both ways. Scarcity that well documented is easier to underwrite than it sounds, because the lender is not exposed to a flood of similar cars hitting the market at once. But it also means the advance follows an agreed valuation rather than a published figure, and the deposit a lender asks for tends to rise as the comparable evidence thins out.
On a car built seventy times, the rate is the easy part. The number everyone has to agree first is what the car is worth.
A worked example: a CC850 over 48 months
Take a hypothetical CC850 at its £3,650,000 reference price, with the assumptions used across our money site: a 20 per cent deposit, 48 months, and an indicative nominal rate of 8.9 per cent. This is an illustration, not a quote.
The deposit is £730,000, so the amount financed is £2,920,000. The monthly rate is 8.9 divided by 12, or 0.7417 per cent, and over 48 months the compounding factor (1 plus the monthly rate, raised to the 48th power) comes to 1.4257.
Hire purchase. Nothing is deferred. £2,920,000 multiplied by the annuity factor of 0.024838 gives about £72,526 a month. Across 48 payments that is £3,481,248, so with the deposit the total is £4,211,248 and the interest cost before fees is £561,248.
Lease purchase. Forty per cent of the full price, £1,460,000, is left to a final payment. In today’s money that final payment is worth £1,460,000 divided by 1.4257, which is £1,024,034. Take that from the £2,920,000 financed and £1,895,966 is left to amortise. Multiply by the same annuity factor and the monthly figure is about £47,091. The 48 payments total £2,260,368, and adding the deposit and the £1,460,000 final payment brings the total to £4,450,368, an interest cost of £800,368.
So lease purchase takes £25,435 off every monthly payment and adds £239,120 to the total. Neither is the right answer in the abstract. The question is whether you would rather carry a large final payment on a car whose value in four years nobody can prove today.
What the current range looks like at 8.9 per cent
The same assumptions, run across the five Koenigseggs that carry a reference price on our model pages. Every figure is indicative and rounded to the pound.
| Car | Reference price | 20 per cent deposit | Hire purchase monthly | Lease purchase monthly |
|---|---|---|---|---|
| Gemera | £1,800,000 | £360,000 | £35,766 | £23,223 |
| Regera | £2,300,000 | £460,000 | £45,701 | £29,674 |
| Agera RS | £2,800,000 | £560,000 | £55,636 | £36,125 |
| Jesko | £3,000,000 | £600,000 | £59,610 | £38,705 |
| CC850 | £3,650,000 | £730,000 | £72,526 | £47,091 |
Two things stand out. The deposit alone on the least expensive car is £360,000. And the gap between the two monthly columns widens as the price rises, because the deferred final payment is a fixed share of a bigger number.
Allocation and import: money needed before the car exists
A new Koenigsegg is not bought off a forecourt. Cars are allocated to buyers years ahead of build, against a deposit, and the balance falls due around delivery. That timing matters for finance, because an asset lender takes security over a car, and before the car is built there is nothing to take security over. In practice the allocation deposit is usually funded from the buyer’s own resources, and the finance is lined up to meet the balance when the car is ready. Whether the lender counts that deposit toward its own deposit requirement depends on the order paperwork and the lender, so it is worth raising at the first conversation.
Most UK cars also arrive as imports, whether new from Sweden or used from another market. An imported car must be registered with the DVLA before it is used on UK roads, and import VAT and any duty due are settled with HMRC. Both steps add time and paperwork, and a lender will want the car registered and its security in place before the money moves. We do not quote tax figures, because they depend on where the car comes from and its status, and that is a question for your accountant or import agent.
Business or personal: which side of the line are you on?
Who signs the agreement changes the rules. A limited company borrowing sits outside the consumer credit regime, and at sums this size so does an agreement made wholly or predominantly for business purposes. We arrange those agreements directly.
A personal purchase is different. It is likely to be regulated under the Consumer Credit Act 1974, which brings protections an unregulated agreement does not, including the right to hand the car back once 50 per cent of the total amount payable has been paid. Where that applies we introduce the case to an FCA authorised broker partner, which carries the regulated activity and any advice. You will know which route applies before anything is signed.
For company purchases, directors guarantees are common, and the tax and benefit in kind position is a matter for your accountant rather than for us.
Outlook for the rest of 2026
The pressure points for Koenigsegg finance this year are supply and evidence rather than price. The CC850 sold out before its run was raised to seventy, the Gemera has the largest run the company has committed to at 300 cars, and the few used examples that surface in the UK are mostly advertised without a price. That keeps valuations case by case. On the cost of money, the Bank of England base rate stands at 3.75 per cent after being held at the 30 July 2026 decision, with the next decision due on 17 September 2026. That is background only: the rate a borrower pays on a car like this is set by the lender and the case, not by base rate.
FAQ
How much money do you need to buy a Koenigsegg? On the figures above, the least expensive current car is the Gemera at £1,800,000, which at a 20 per cent deposit means £360,000 up front and about £35,766 a month on hire purchase. Lenders look at income, assets and the strength of the business behind the application, not just the deposit.
How much is a Koenigsegg lease? There is no published lease price. A lease purchase on a Regera at £2,300,000, with 20 per cent down and 40 per cent deferred over 48 months at 8.9 per cent, works out at about £29,674 a month, with a £920,000 final payment at the end. Business contract hire, where the car goes back, is priced by the lease company case by case.
Can a normal person buy a Koenigsegg? Not on ordinary terms. These are multi-million pound cars, and new ones are allocated rather than sold to anyone who walks in. Finance changes how the cost is paid and over what period. It does not change what the car costs, and a lender will want to see wealth or business strength to match.
How much is a down payment on a Koenigsegg? No fixed figure exists. Between 20 and 40 per cent is the usual starting point at this value, and every example here assumes 20 per cent. A rarer car with fewer comparable sales tends to need more equity, and part exchange or equity in a car you already own can count toward it.
Talk to us
If you are weighing up a Koenigsegg purchase, allocation or refinance, start with our Koenigsegg finance team and tell us about the car and who will own it. You can also see hire purchase, lease purchase and refinance compared side by side before we speak. See also our page on the CC850 and what funding one involves.
The Hypercar Finance family
Koenigsegg Finance sits within Hypercar Finance, our hub for the rarest cars on UK roads. If your interest runs to Maranello, our Ferrari finance site covers everything from the current range to classics, and Pagani finance deals with the other hypercar maker whose runs are counted in handfuls. For grand tourers there is Bentley finance, and if you already own a valuable car and want to release capital from it without selling, car equity release explains how that works.
All figures in this article are indicative, not an offer, a quote or a financial promotion, and any agreement is subject to lender terms, valuation and full underwriting. This article was written by Matt Lenzie.