Continental GT
The car most people mean when they say Bentley. Four generations since 2003, so there is everything here from a brand new one to a twenty-year-old at a small fraction of the price.
What a Bentley costs a month.
New, used, or old enough that most finance companies will not look at it. We arrange the finance and we do not sell the cars, so what you get is a straight answer on what it costs rather than a payment built backwards from something somebody needs to shift. Companies and individuals, no minimum.
- Models we finance
- 25
- Oldest car we will fund
- 1985
- Minimum
- None
The new range, month by month
Every figure assumes you put down 20 per cent and pay over 48 months at 8.9 per cent. The last column shows what happens if you push 45 per cent of the price into a single payment at the end instead of paying it off as you go. These are estimates, not quotes, and nobody has looked at your credit file yet.
| Model | Price | Paying it off | With a payment at the end |
|---|---|---|---|
| Bentayga | £176,000 | £3,497 | £2,117 |
| Flying Spur | £180,000 | £3,577 | £2,166 |
| Continental GT | £200,000 | £3,974 | £2,406 |
The cheapest new Bentley here is a Bentayga at £176,000, or £3,497 a month paying it off in full. Buy the same car two or three years old and the monthly figure drops again, for the simple reason that you are borrowing less. That is the single biggest lever there is, and it moves the number far further than haggling over the rate will.
Which Bentley are you looking at?
Flying Spur
The four-door version of the same car. It loses money faster than the coupe in the first few years, which is bad news if you buy new and good news if you do not.
Bentayga
The SUV, and the easiest Bentley to get finance on. Enough have been sold that lenders know exactly what they are worth, so they will commit to a figure without much argument.
Mulsanne and the big saloons
The 6.75 litre V8 cars, built until 2020. Not many were made, so we agree what yours is worth before you apply rather than looking up a price.
Coachbuilt and limited runs
Bacalar, Batur, GTZ. Twelve to eighteen cars each. There is no going rate for something like this, so every car is valued on its own.
Older Crewe cars
Turbo R, Continental T, Arnage, Azure, Brooklands. Old enough that condition and history decide the price, and old enough that most finance companies will not look at them.
Five ways to pay for it
They differ in one way that matters: what happens at the end. Either you have paid the car off and own it, or there is a payment left to make and somebody has to be wrong about what the car is worth by then. Who that somebody is changes the monthly figure more than the interest rate does.
- Hire purchase Pay the whole cost across the term. The car is yours at the end.
- Lease purchase Defer part of the balance to a final payment. Lower monthly cost.
- PCP Like lease purchase, but the lender promises what it will be worth.
- Business contract hire Rent the car to your company. Hand it back at the end.
- Refinance Release capital against a Bentley you already own outright.
Bentley finance questions
- Can you get a Bentley on finance?
- Yes, on any model the marque has built, from a current Continental GT to a 1980s Turbo R. Hire purchase, lease purchase, PCP, business contract hire and refinancing against a Bentley already owned all apply. We arrange it through specialist lenders, for limited companies and for individuals, with no minimum advance.
- How much does it cost to finance a Bentley per month?
- On a Continental GT at the list price of £200,000, a 20 per cent deposit over 48 months at an indicative nominal rate of 8.9 per cent works out at £3,974 a month on hire purchase. Deferring 45 per cent of the price to a final payment of £90,000 takes that to £2,406. A Bentayga at £176,000 comes in at £3,497. Those are arithmetic rather than an offer.
- What deposit do you need for a Bentley?
- There is no fixed figure. Between 10 and 20 per cent is the usual starting point, and every worked example on this site assumes 20 per cent because it is the commonest rather than because it is a rule. On a Flying Spur at £180,000 that is £36,000. A larger deposit lowers the monthly payment and usually improves the rate.
- Is a used Bentley cheaper to finance?
- The monthly payment is lower because the advance is smaller, and that is the single most effective way to reduce it. A used car has already had the steepest part of its depreciation taken by an earlier owner. What changes is how the advance is set: there is no list price to lend against, so the figure follows what the car is worth today, supported by condition, mileage and service history.
- Can you finance a classic Bentley?
- Yes. On a Turbo R, a Continental T or an Arnage we agree what the car is worth before you apply, rather than looking up a price, and it is almost always written as hire purchase, because no lender will commit to what a car of that age is worth in four years. Condition, documented history and originality carry more weight than mileage does.
- Can a limited company buy a Bentley on finance?
- Yes, and it is a large share of what we arrange. The agreement is written in the company name, the lender underwrites the company rather than only the individual, and directors guarantees are common. How the car is treated for tax, and the benefit in kind position if it is available for private use, are questions for your accountant and we will not pretend to answer them.
- What is the 50 per cent rule on car finance?
- It is a Consumer Credit Act right, called voluntary termination, and it does not attach to an unregulated business agreement, only to a regulated consumer one. Under a regulated agreement it lets a borrower hand the car back once half the total amount payable has been paid. Which type you sign decides whether the right is there at all, so ask us if it matters to you.
- Should I use the manufacturer scheme instead?
- It is a sensible first quote to get, and on a current car bought from a retailer it is often competitive. It is written to a narrow set of criteria though: recent cars, standard specification, and applicants who fit a fixed template. Older cars, private sales, imports and buyers with income across several entities fall outside that, and it cannot refinance a car you already own at all.
- Are you regulated by the Financial Conduct Authority?
- We are not authorised or regulated by the FCA ourselves, and we do not hold ourselves out as being. Finance taken wholly or predominantly for business purposes sits outside the consumer credit regime and we arrange that directly. Where an agreement is regulated consumer credit, it is arranged through an FCA authorised broker partner, and that firm is responsible for the regulated activity and for any advice given on it. You can confirm that for yourself on the FCA Register.
- Are you connected to Bentley?
- No. We have no affiliation with Bentley Motors Limited. We are not a Bentley retailer and not an authorised representative of the manufacturer or of any Bentley financial services business. We are an independent finance company arranging lending against Bentley cars, and we use the name only to describe what we do.
Tell us about the car
We come back with which agreements the car supports and what each one is likely to cost. If none of them work, that is the answer you get.