Koenigsegg Gemera Finance in 2026: Funding the Four Seat Hypercar
Two rear seats. That is the detail that separates the Gemera from every other car this company has built, and it changes the finance conversation more than the power figure does. A Jesko or a One:1 goes into a collection and stops. A car with four seats and space for luggage gets driven to places, with people in it, which means mileage, stone chips, a service history that actually accumulates and a valuation that moves with all three. The Gemera is also the least expensive Koenigsegg currently sold new, at a reference price of £1,800,000 on our model page, and it carries the largest planned production run the company has ever committed to. Both facts pull in the same direction: this is the Koenigsegg a lender has the most to work with on, and the one where how you use the car matters most to what it is worth at the end.
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, we are 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 what happens to a hypercar valuation when the car is genuinely used.
Why Koenigsegg Gemera finance is a different conversation
Koenigsegg Gemera finance is a specialist asset backed agreement secured on the car. So far that is true of every car on this site. What differs is the evidence available to the person setting the advance, and on the Gemera there is simply more of it: more cars planned, a published reference price, and a buyer profile that looks less like a collector and more like someone replacing a fast estate car with something considerably faster.
Three practical effects follow. Lenders that would hesitate over a car with a run in single figures are more comfortable here. The deposit conversation starts lower, because £360,000 at 20 per cent is a smaller ask than the £730,000 the CC850 needs at the same percentage. And the questions about how the car will be kept and driven are asked seriously rather than as a formality, because the honest answer on a Gemera is often that it will cover real miles.
Our Koenigsegg Gemera finance page sets out the same assumptions we use here: 8.9 per cent as an indicative nominal rate, 48 months, 20 per cent down and 40 per cent deferred where an agreement defers anything.
What a run of 300 cars does to the lending
According to manufacturer data the Gemera is planned at 300 cars. Set beside a Bugatti or a Pagani that is nothing. Set beside the rest of this marque it is enormous: 125 Jeskos, 80 Regeras, 70 CC850s, 29 CCXs, seven One:1s and six CC8Ss. The Gemera on its own is planned to outnumber every other Koenigsegg with a documented run put together.
For an underwriter that cuts two ways.
| Effect of the larger run | What it means for your agreement |
|---|---|
| More cars in circulation over time | A resale, if one is ever needed, has more than one possible buyer |
| Public sales evidence will eventually exist | Later agreements will have something to price against |
| Right now, almost no used cars have traded | The first Gemera agreements are still valuation led |
| Scarcity premium is thinner than on a One:1 | Do not assume the car appreciates simply because it is a Koenigsegg |
The last row is the one people argue with. Several models from this company have risen in value, and a car planned at 300 units is the least likely of them to repeat that. A lender will not build an expectation of appreciation into the advance, and neither should a buyer planning how to settle a deferred payment.
Worked example: a Gemera at £1,800,000
Take a hypothetical Gemera bought at the £1,800,000 reference price, with 20 per cent down over 48 months at an indicative 8.9 per cent nominal rate. The car and the buyer are imaginary, the arithmetic is not.
The deposit is £360,000, so £1,440,000 is financed. The monthly rate is 8.9 divided by 12, which is 0.7417 per cent. Compounded across 48 months that gives 1.425733, and the annuity factor that converts a balance into a monthly payment is 0.024838.
On hire purchase, nothing is deferred. £1,440,000 multiplied by 0.024838 is about £35,766 a month. Forty eight payments come to £1,716,768, and with the deposit the total is £2,076,768, of which £276,768 is interest before any fees.
On lease purchase, 40 per cent of the full price is left to the end. That is £720,000, worth £505,003 in today’s money once divided by 1.425733. Taking that from the £1,440,000 financed leaves £934,997 to amortise, and at 0.024838 that is about £23,223 a month.
Four seats make the Gemera the one Koenigsegg likely to be used, and use is the thing a valuer studies hardest.
Term: what 36, 48 and 60 months do to the figures
Most of our worked examples across the site hold the term at 48 months. Here is what happens when it moves, with the price, the deposit and the rate held still. Hire purchase defers nothing; the lease purchase column keeps the final payment at £720,000 throughout.
| Term | Hire purchase monthly | Hire purchase total | Lease purchase monthly | Lease purchase total |
|---|---|---|---|---|
| 36 months | £45,725 | £2,006,100 | £28,202 | £2,095,272 |
| 48 months | £35,766 | £2,076,768 | £23,223 | £2,194,704 |
| 60 months | £29,822 | £2,149,320 | £20,251 | £2,295,060 |
Going from 36 to 60 months takes £15,903 off the monthly hire purchase payment and adds £143,220 to what the car ends up costing. That is the whole trade, stated plainly. Where the Gemera differs from an older Koenigsegg is that a five year term is a realistic ask here: a lender taking a view on a car still in production, with a run of 300, is on firmer ground five years out than it would be on a car built seven times.
What using the car does to its value
This is the section that does not appear on the other model pages, because it barely applies to them. A Gemera is built to be driven with passengers, and the things that follow from that are the things a valuation is most sensitive to.
- Mileage. There is no published mileage band that costs you a fixed amount on this car. What there is, is a valuer comparing your car against a handful of others, where a large mileage difference is visible immediately.
- Condition of the interior. Four seats means four seats that get used. Wear that would be unremarkable on a saloon is noticed on a car at this price.
- Service record. A car that covers real distance needs real servicing, and the record of it is worth more to a lender than the odometer reading is.
- Originality. Changes made to a car of this kind should be documented and reversible. Undocumented work is the fastest way to lose value on any low volume car.
- Storage and security. Lenders ask, insurers ask, and the answers affect both quotes.
None of this argues for leaving the car in a garage. It argues for keeping the paperwork as carefully as the car, because on a marque with almost no comparable sales the file is a large part of what the valuation rests on. You can compare the endings on each of the agreements we arrange on this marque before deciding how much value you want to be forecasting four years out.
Who signs the agreement, and which rules apply
A limited company taking the agreement sits outside the consumer credit regime, and so does an agreement entered into wholly or predominantly for business purposes at these sums. We arrange those directly, and directors guarantees are normal on them.
A personal purchase is likely to be a regulated agreement under the Consumer Credit Act 1974, which brings rights an unregulated agreement does not carry, including ending the agreement once half the total amount payable has been paid. Where that is the case we introduce the application to an FCA authorised broker partner, which carries the regulated activity and any advice given on it. The tax position, and the benefit in kind question if a company car is available for private use, belong to your accountant.
Outlook for Gemera buyers
The Gemera is the one car in this range where the evidence base should improve. As cars are delivered against a run of 300 and the first of them change hands, valuers will finally have something to compare, and the agreements written in 2028 will be less of a judgement call than the ones written now. The Bank of England base rate stands at 3.75 per cent, held at the 30 July 2026 decision, with the next decision due on 17 September 2026. That is background on the cost of money and not the rate a borrower pays, which a lender sets against the specific car and the specific case.
FAQ
Can I finance a Koenigsegg? Yes, through specialist asset lenders rather than a high street bank or a manufacturer scheme, since no Koenigsegg captive finance arm operates in this market. Hire purchase, lease purchase and a refinance against a car already owned all apply to the Gemera, for limited companies and for individuals, with no minimum advance.
How much does a Koenigsegg Gemera cost? The reference price we work from is £1,800,000, which makes it the least expensive Koenigsegg currently sold new. What any individual car costs depends on its specification and on what the seller asks, and a used example will be priced by agreement rather than from a published guide.
How much does a Koenigsegg cost monthly? On a Gemera at £1,800,000 with 20 per cent down over 48 months at an indicative 8.9 per cent, about £35,766 on hire purchase or £23,223 on lease purchase with a £720,000 final payment. Stretching to 60 months brings hire purchase to about £29,822 and raises the total cost. These are indicative figures, not quotes.
What family car has 2300 hp? Combined output figures quoted for the Gemera have varied by version and by fuel, which is why our model page states the specification we hold rather than the largest number in circulation: 1,700 bhp, 1.9 seconds to 62 mph and a top speed of 248 mph. Whichever figure is right, none of it changes the advance. Lenders price condition, history and originality.
Talk to us
Tell us what the car is, what you are paying, who will own it and roughly how far you expect to drive it, and we will take the case to the lenders whose appetite fits. Start with our Koenigsegg Gemera finance page, compare the agreements we arrange on this marque, and read how Koenigsegg Finance works before we speak. See also our CC850 page if you are weighing the four seat car against the anniversary one.
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.