Oracle Car Finance

Oracle Car Finance, car finance brokerage for prestige vehicles in the UK

Oracle Car Finance is an independent credit brokerage, not a lender, operating in the UK under the trading names of Oracle Asset Finance Limited. Its activity focuses on financing high-end cars: prestige, sports, supercars, classic and racing vehicles, with amounts ranging from £25,000 to supercars valued at several million. The firm states it has channelled over £2 billion in funding for its clients.

The company presents itself as one of the country's leading independent brokers in its segment and claims to have received the Best Specialist Car Finance Provider award in five of the last six years. It also states that its service has been recognised at the Car Finance Awards 2025.

Available finance products

The brokerage's range covers different finance options, arranged through a panel of more than twenty lenders:

• Personal Contract Purchase (PCP).
• Hire Purchase.
• Lease Purchase.
• Balanced Payments, presented as a more sophisticated product with tax advantages.
• Refinancing of a vehicle already owned.
• Equity release on the car.
• Finance for auction purchases.
• Electric vehicle finance.
• Finance for private sales.

The company stresses that underwriting is done manually, without automated algorithms, which according to its approach avoids delays in the credit decision. Interest rates depend on factors such as the vehicle's age, the amount borrowed and the term of the agreement.

Specialisation by vehicle type and brands

Financing is also organised according to the nature of the car: prestige vehicles, supercars, classic and vintage cars of any age and make, sports cars and racing cars. The firm claims specific expertise in classic car valuation, which allows it to speed up appraisals and decisions.

The site lists the brands it works with, including Alfa Romeo, Aston Martin, Audi, Bentley, BMW, Bugatti, Ferrari, Ford, Jaguar, Lamborghini, Land Rover, Lotus, Maserati, Maybach, McLaren, Mercedes-Benz, Morgan, Nissan, Porsche, Range Rover, Rolls-Royce and Tesla.

Partnership with Porsche Club GB

Oracle Car Finance identifies itself as the official car finance partner of Porsche Club GB, presented as Europe's largest officially recognised Porsche members' club. The company notes that it funds more Porsche products than those of any other brand and that the 911 is its most requested model, which it attributes to its account managers' specialisation in that brand.

Customer service and company structure

Each client has a dedicated SAF-certified account manager who supports them throughout the process, whether it is a new agreement, a refinance or a business arrangement. The company states it serves hundreds of customers daily and has built lasting relationships with them. Its headquarters are in Knaresborough, in the county of North Yorkshire.

Oracle Asset Finance Limited is authorised and regulated by the UK Financial Conduct Authority for the sale of consumer credit, with Financial Services Register number 662576. The firm operates as an independent credit broker and is not tied to any car manufacturer.

Location and contact

Oracle House, Whitfield Business Park, Knaresborough, HG5 8BS · Phone: 0800 012 6666 · Email: info@oraclefinance.co.uk · Hours: Monday to Friday: 9:00 – 20:00; Saturday: 10:00 – 16:00; Sunday: closed