Ferrari SF90 Stradale Finance

The car

The Ferrari SF90 Stradale broke the marque's series-production rulebook when it was unveiled in 2019. It pairs a 4.0-litre twin-turbo V8 with three electric motors and an 8-speed dual-clutch transmission, producing a combined 986 hp at 7,500 rpm. Zero to 100 km/h takes 2.5 seconds, zero to 200 km/h takes 6.7 seconds, and the top speed is 340 km/h. The car will travel up to 25 kilometres on battery power alone in eDrive mode, and the front axle is powered exclusively by two of the three electric motors, making it the first mid-engine V8 Ferrari with all-wheel drive.

The platform sits one tier above the F8 Tributo and 296 GTB in the Maranello range and one tier below the LaFerrari successor programme. It is the first Ferrari road car to wear the 'SF' badge since the Schumacher-era Formula 1 cars from which the name derives, and the first to commit publicly to electrification on a series-production V8 platform. For collectors, the car matters because it sits on the cusp of two eras: the last V8 Ferrari to ship before the 296 GTB's V6 took over the entry hybrid slot, and the first to bring plug-in hybrid technology out of the limited-edition LaFerrari programme into series production.

Production is uncapped in the traditional sense (Maranello has not committed to a closed run), but allocation discipline remains tight. Order books tracked roughly two to three years of demand at peak, and Tailor Made and Atelier specifications routinely cleared 20% above MSRP at delivery in the secondary market through 2022 and into early 2023.

In the market

Pricing has cooled from the 2022 to early-2023 peak. Indicative spot values in Q3 2025 sit in the $500k to $700k band for Stradale coupes, with Spider variants holding a 5% to 10% premium over equivalent coupes, and Assetto Fiorano cars commanding a further 10% to 15% over a comparable standard specification. Hagerty's North American tracker placed the median Stradale transaction at approximately $556,000 through Q3 2025, against a $507,000 US launch MSRP.

Auction visibility remains light because the car is current production and most owner-to-owner trades sit privately or through Ferrari Approved dealer channels. The reference comp most widely cited is the RM Sotheby's Monterey 2024 sale of a 2021 Stradale with the Assetto Fiorano pack and approximately 1,400 miles, which cleared at $612,500 inclusive of premium. These figures are reference points, not a deep market: the bid-to-ask spread on SF90s remains wider than on more established Ferrari flagships, and pricing is highly specification-sensitive. What the comps suggest is a market settled, not falling. The 2024 introduction of the XX Stradale and XX Spider has pulled some attention to the limited variants, but underlying demand for series Stradales appears stable into 2026.

Variants we finance

We finance the full Ferrari SF90 Stradale family across road and limited specifications. Indicative LTV runs to 60% on standard-specification cars and to 65% on Assetto Fiorano cars with confirmed provenance and mileage under 5,000 km, in line with our hypercar finance terms. Tenor typically runs 12 to 60 months. Currency is available in GBP, USD, EUR and SGD; jurisdictions covered include the UK, Singapore, the UAE and selected EU markets, subject to valuation and approval.

• SF90 Stradale coupe (2019 to present): the standard car. Combined 986 hp, 25 km EV range, 1,570 kg dry weight, eDrive mode for zero-emission urban running.
• SF90 Stradale Assetto Fiorano (2019 to present): the track-biased pack. Multimatic shock absorbers, additional carbon fibre body panels, titanium springs and exhaust, and a Manettino-linked aero balance shift. Roughly 30 kg lighter than the standard car. Approximately one in three Stradale orders is specified with the pack, and Assetto Fiorano cars hold residuals materially better than standard specifications.
• SF90 Spider (2020 to present): retractable hard top folding in 14 seconds, no measurable weight penalty over the equivalent coupe, identical drivetrain.
• SF90 XX Stradale (2024 to present): 799-unit limited series. 1,030 hp combined output, fixed rear wing, recalibrated four-wheel torque vectoring, an 'Extra Boost' mode that draws on the hybrid system for short-burst acceleration, and a stripped cabin with carbon-shell seats. The first non-V12 model in Ferrari's XX Programme open to road registration. Allocation is closed; secondary market only.
• SF90 XX Spider (2024 to present): 599-unit limited series of the XX Stradale. Same drivetrain and aero, retractable hard top, identical cabin treatment. Allocation is closed; secondary market only.

The XX Stradale and XX Spider carry allocation premiums indicatively 40% to 70% over their approximate $850,000 and $950,000 list prices respectively (based on broker quotes we have seen through Q3 2025), and are typically financed against confirmed Ferrari delivery rather than open-market spot. For build-slot capital ahead of delivery, see deposit financing; for cars purchased through an established auction house, auction finance settles directly with the house. For owners already holding a Stradale outright, equity release unlocks capital against the car while the keys stay with the owner.

All facilities are arranged discreetly, with Ferrari Approved settlement where appropriate, and KYC and source-of-funds documentation completed in parallel. Multi-currency, cross-border, jurisdiction-aware. Indicative terms within 24 hours. Speak to our private capital team.