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Product Focus: Refinance

Note: The following content was originally produced for the Lamborghini Club UK magazine. No changes have been made to the extract for this online version.



Their vision is to change the way people experience motor finance

Settling for mediocracy is not in their DNA.

Ferruccio Lamborghini created Automobili Ferruccio Lamborghini S.p.A. to challenge Ferrari. He believed that not only could he create a superior product but more importantly, that he could provide the high level of customer service, that such a product warranted.

Since its inception, AMF has followed this same approach.


AMF is one of the fastest growing finance brokerages in the UK. With over 40 years combined experience, their team of expert Account Managers specialise in securing the right finance solution for each client. Unlike traditional high street banks and direct lenders, AMF can shop across its whole lender panel for the best deal. Whether it is for a weekend toy, a daily driver or the latest addition to a collection, AMF understands that clients need fast decisions, clear costs and flexible payment terms in order for them to own their dream vehicle.

Their finance product range is extensive and includes Personal Contract Purchase (PCP), Hire Purchase (HP) and Refinance options.

We are extremely excited about our new partnership with AMF (Approved Motor Finance). Our members will benefit from industry leading rates, and the personal experience that Approved provide will allow our customers to realise their dreams of purchasing their next Lamborghini. Not only will they be able to guide our club members through new purchases, but also ensure that their existing agreements are the best available.
- Ciro Ciampi, Lamborghini Club UK Committee


Most are familiar with PCP and HP finance options when purchasing a new vehicle. What many are unaware of, is the option of refinancing an existing vehicle.

Interest rates and personal circumstances are subject to change. Finance agreements that were set up previously may not be suitable or beneficial to a vehicle owners’ current financial situation.

For example, by refinancing an existing agreement, AMF may be able to save a client up to half their interest rate in comparison to main dealer finance:

There are multiple reasons to consider refinancing. These may include:

• A desire to keep a current vehicle but wanting to restructure payments to facilitate purchase of a second vehicle

• Access to better rates due to an Individual’s credit rating improving

• A need to shorten or lengthen the loan term

• A decrease in interest rates and the cost of borrowing

• Wanting to release positive equity for other projects

• Low customer satisfaction levels with a current provider

• Mitigating negative equity through a large lump sum payment at the end of the agreement

• Wanting to lower the balloon payment at the end of an agreement


Approved Motor Finance is part of the Approved Finance Group, which includes Approved Business Finance (ABF). ABF are already one of the UK’s leading brokerages and have recently helped facilitate over £50million in government backed CBILS (Coronavirus Business Interruption Loan Scheme) funding.

Their comprehensive business finance products include Asset Finance, Business Loans, Refinance, Commercial Mortgages and Invoice Finance as well as a bespoke Business Vehicle Finance product. With over 75 lenders, ABF can search the market to source the best finance agreement to suit their client’s needs. As with AMF, ABF pride themselves on their personal approach to business funding. The experienced team supports their clients from start to finish, and they benefit from over 40 years’ experience in the SME finance market.


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