A new GT3 RS deal rarely starts with a loan application. It starts with a call from a Porsche Center that has an allocation, or a private seller two states away who finally agreed on a number. Either way the clock is running, and the money needs to be lined up before someone else steps in.
If you want to read about the car itself, our GT3 RS spotlight covers the engine and the aero. This post is about paying for one.
What a GT3 RS costs
Porsche's US configurator lists the 2025 911 GT3 RS at a base MSRP of $241,300 before options and delivery. Hardly anyone buys a base car. The Weissach Package, the front-axle lift and Paint to Sample colors all cost extra, and a well-optioned RS can sit a long way above the base number.
Then there's the market. GT cars are built in limited numbers and sold through allocation, so plenty of them change hands for more than the original sticker. Used prices swing a lot with year, mileage and options.
Allocation sets the timeline
A new GT3 RS goes through a Porsche Center, and the dealer decides who gets each car. Buyers with history at that store usually get the first calls. Some dealers sell at MSRP to longtime clients. Others add a market adjustment.
When the call comes, you sometimes get only a few days to commit. So apply first. Our application starts with a soft credit pull that won't affect your credit score. When the dealer calls, you already know where you stand.
How we look at a car that sells above sticker
This is where GT3 RS deals get different from a normal car loan.
A bank sees an MSRP and a book value, then a price that matches neither. We lend against what the specific car is worth, based on how it's optioned and driven, and where that car trades today. We don't lend against the sticker. We also don't lend against whatever premium the seller is asking.
When price and value line up, the deal is straightforward. When the price runs well past what the car supports, the gap has to come from you, not from the loan.
On a used RS, get a pre-purchase inspection from a Porsche specialist before you sign anything. Ask for the DME over-rev report. Have the shop check tire and brake wear for signs of hard track use. A clean inspection helps your negotiation and gives us a clear picture of the car.
What it takes to get approved
Our criteria are published on the eligibility page:
- Credit: approval also looks at the vehicle, the loan amount and your overall profile.
- Amount financed: up to $1M+.
- Income: proof of income and stable employment. Self-employed applicants are welcome with documentation.
- Use: personal use only. The car can't be rented out or put on Turo. An LLC can own it as long as it isn't used for hire.
We finance dealer purchases and private party sales, plus lease buyouts and cash-out refinances. A lot of GT3 RS cars sell between enthusiasts, often across state lines, and our private party financing guide covers how those deals work.
How the payments work
There is no prepayment penalty. On a car at this price, a longer schedule can bring the payment down to something sensible. Plenty of owners sell or trade early, and the sale pays off the loan. You can try different amounts and terms in our Borrow Smart estimator.
If you're weighing a GT3 RS against a Turbo S, our 911 Turbo S financing guide walks through the same structure on the other side of the 911 lineup.
A hypothetical example
The numbers below are made up for illustration. They don't describe a real customer or deal.
Say a buyer in Salt Lake County agrees to buy a low-mile 2024 GT3 RS from a private seller for $310,000. They put $62,000 down and finance $248,000. Three years later they sell the car, and the sale pays off the loan. No prepayment penalty.
Now change one thing. The seller wants $360,000 for a car that doesn't support that price. Since we size the loan off the car's value and not the asking price, expect to bring more to the table. Or keep looking. There's always another RS.
The costs that aren't in the payment
The loan is one line in the budget. Owners who track these cars know the rest of it adds up.
- Tires. The RS runs Michelin Pilot Sport Cup 2 tires, 275 wide up front and 335 in the rear on 20- and 21-inch wheels. They're built for grip, not mileage. Track days wear them out fast, and they don't like cold pavement.
- Brakes. Pads go quickly on track. If the car has carbon-ceramic brakes, replacement rotors are a major expense, so check their condition during the inspection.
- Insurance. Get a quote on the actual VIN before you sign. Ask your insurer in writing whether track days are covered. Many standard policies exclude them, and separate HPDE coverage exists for event days.
- Winter. Here in Utah, a car on Cup tires isn't a January car. Budget for storage or a set of winter wheels.
If you plan to run the car at Utah Motorsports Campus out in Tooele County, put alignment and fluid service into the same budget as the tires.
How to apply
- Check that we lend in your state. See the availability page.
- Apply online. We start with a soft credit pull, so checking your options won't affect your credit score.
- Get a decision. We'll review your application and be in touch.
- Close. Sign your loan documents and we fund the purchase.
We're a Riverton, Utah lender, and we know these cars. Apply here, or call us at 801-880-9955.
Loan products subject to credit approval and eligibility. Rizz Lending LLC, NMLS #2682279.