Specialist
Best Ways to Finance a Bentley Purchase in the UK
For buying and refinancing Bentley cars
For buying and refinancing Bentley cars
High quality Bentley finance solutions for UK & international clients.
We can deliver enhanced, bespoke or exclusive terms through our market knowledge.
Call us on 0203 900 4322 to discuss your requirements.
At Clifton Private Finance, we specialise in sourcing high value car finance for business owners in the UK. We take pride in delivering exceptional customer service and personalised decision-making for every client. We can deliver enhanced, bespoke or exclusive terms through our market knowledge. To get a quote or assistance with your Bentley finance options, please contact our team today.
Asset finance is a highly flexible solution for purchasing an expensive luxury vehicle like a Bentley. Given that even the cheapest new Bentley model starts at over £160,000, dipping into your own savings or company cash reserves to cover the entire purchase price can be a significant commitment.
With asset finance, a finance company secures the loan directly against the physical asset itself (the car) and manages the agreement, helping you cover the cost of the purchase over a longer period while enjoying use of the vehicle.
The total amount payable will include not only the borrowed sum but also interest and any additional fees, giving you a clear picture of your complete financial commitment.
A business loan is a general form of finance that can be used for any business purpose. Eligibility for a business loan is based on your company’s credit score, annual revenue and the availability of collateral (in the case of a secured business loan).
You gain immediate use of the vehicle while spreading the cost over an agreed term, typically through affordable monthly payments.
Asset finance helps you acquire the Bentley car you want for your business, without depleting your cash reserves all at once. Bentley remains an iconic British luxury car brand, giving your business an undeniable dose of prestige and glamour. However, that history comes with a notable price tag.
Prices for new Bentleys typically range from £160,000 to well over £250,000, depending on the model and bespoke Mulliner specifications. Even for successful business owners, frontloading this level of spending from the business can represent a substantial hit to working capital reserves.
With asset finance, you can benefit from:
For business owners, purchasing a Bentley through the company has traditionally come with heavy Benefit in Kind (BiK) tax implications due to high emissions. However, Bentley’s new Ultra Performance Hybrid range (including the new Continental GT, Continental GTC, and Flying Spur) offers significantly more attractive emissions credentials. This makes them some of the most viable and tax-efficient luxury company cars Bentley has ever produced.
When wondering how much a Bentley is on finance, the reality is that there is no single answer; your monthly instalments (monthly payments) will depend heavily on:
Interest rates for Bentley finance may be competitive, often starting around 7.9% to 8.9% APR, depending on the lender and your credit history.
To illustrate how different structures affect your outlay, consider the purchase of a 3-year-old Bentley Continental GT valued at £120,000. Assuming a 20% deposit of £24,000, leaving a balance of £96,000 to finance over 48 months:
There are many Bentley dealerships across the UK with models available, whether you're looking for a new or used car. For custom builds, you can tailor your ideal vehicle through Bentley’s configurator. Since this offers a wide array of customisation, the models can vary greatly in price, but here are some examples spanning their entire line-up (including hybrid vehicles). If you're considering upgrading or trading in your current vehicle for your next car, these options provide flexibility for every stage of your Bentley journey:
| Bentley Model | Style | Consumption (WLTP) | Transmission | RRP (New) | Engine | Top Speed | Acceleration |
|---|---|---|---|---|---|---|---|
| Bentley Continental GT (Coupé) | 2+2 Grand Tourer Coupé | 26.6 - 27.4 mpg | Four-wheel drive, four-wheel steering | £202,820 - £343,955 | 4.0-litre V8 Plug-in Hybrid | Up to 208mph | 0-60 mph: 3.1 secs |
| Bentley Continental GTC (Convertible) | 2+2 Drop-top Grand Tourer | 26.4 - 26.6 mpg | 8-speed auto, 4WD, rear steering | £190,620 - £301,080 | 4.0L V8 PHEV (680-782 HP) | 168mph to 177mph | 0-62 mph: 3.4 to 3.9 secs |
| Bentley Flying Spur | 4-Door Luxury Saloon | 18.8 - 26.4 mpg | Four-wheel drive, four-wheel steering | £194,545 - £265,615 | 4.0L V8 twin-turbo PHEV (782 HP) | 167.8 to 177.1 mph | 0-60 mph: 3.5 secs |
| Bentley Bentayga EWB | Extended Luxury SUV | 21.7 - 22.1 mpg | 8-speed auto, 4WD, rear steering | £212,145 - £280,185 | 4.0-litre twin-turbo V8 (550 HP) | 180mph | 0-62 mph: 4.6 secs |
There are several ways to structure the funding for a luxury Bentley vehicle, and the right choice depends heavily on your end goals, including whether you wish to own the Bentley outright, upgrade it in a few years, or keep your monthly outgoings to a minimum.
Hire Purchase is the most straightforward route to outright ownership. After paying an initial deposit, you then cover the remaining balance of the Bentley, plus the agreed interest, through fixed monthly instalments over a set term (typically 24 to 60 months). This means you are paying off the entire value of the car in monthly instalments, and once all payments and a nominal “option to purchase” fee are cleared, you own the car outright.
Since you are paying off the entire capital amount over the course of the agreement, your monthly payments will be higher than other finance types. However, once all repayments and the nominal “option to purchase” fee are cleared, full ownership of the Bentley is transferred to you. This is an ideal structure if you intend to keep the car for the long term and want a predictable, fixed monthly outgoing. Learn more about Hire Purchase (HP).
If you want the path to ownership provided by an HP agreement but prefer lower monthly payments, a Balloon Hire Purchase (often called Lease Purchase) is highly effective. With this plan, a significant portion of the Bentley’s capital cost is deferred to the very end of the agreement as a final “balloon payment”.
As you are only paying off the depreciation and interest during the main term, your monthly payments are drastically reduced. At the end of the term, you have the flexibility to retain the car by settling the balloon payment. You can do this by either refinancing the final amount or using a cash lump sum. Alternatively, you can trade the vehicle in for a new Bentley as part of a renewal process.
A Balanced Payment plan is a more sophisticated facility generally reserved for experienced investors and high-net-worth borrowers. It offers the predictability of a fixed monthly payment but operates with a variable interest rate linked to the Bank of England base rate (or London Interbank Offered Rate).
Personal Contract Purchase (PCP) and Contract Purchase are popular for securing competitive Bentley finance offers because they afford maximum flexibility and peace of mind at the end of the term. With PCP, you pay an initial deposit followed by monthly installments over a term typically between 18 to 48 months.
A large portion of the car’s cost is deferred to the end of the term, keeping your monthly payments low. The final balloon payment is set as a Guaranteed Minimum Future Value (GMFV), and if you wish to retain the Bentley, you simply pay this amount. PCP agreements also include mileage caps, and excess mileage charges will apply if you exceed the agreed limit. At the end of the contract, you have three choices:
This flexibility gives you peace of mind, knowing you can choose the option that best suits your needs at the end of your agreement. Personal Contract Purchase (PCP) is structured with maximum consumer adaptability.
Contract Purchase operates identically but is structured for business customers, allowing companies to potentially claim expenses on the monthly rental costs and, if VAT-registered, recover a portion of the VAT. Learn more about PCP deals and their distinct structural features.
The best way to finance a used Bentley is typically through a Lease Purchase (Balloon HP) or a Personal Contract Purchase (PCP) agreement, provided the vehicle meets the lender's age restrictions at the end of the term. These structures keep your monthly commitments highly manageable by deferring a large portion of the car's cost to a final payment.
The prestige and build quality of a Bentley mean there is a thriving market for pre-owned and heritage models. Buyers often prefer balloon-based structures for these vehicles because used cars have already absorbed their steepest period of initial depreciation. This allows lenders to set realistic guaranteed future values or balloon payments, allowing you to enjoy a nearly-new vehicle without tying up unnecessary liquid capital.
At the end of your Bentley asset finance plan, you will generally have the option to retain the vehicle by clearing any remaining balances, trade it in for your next car, or return the car to the lender. The exact options available to you will depend entirely on the specific type of finance agreement you selected at the outset. Here is how the end of the term works for the most common finance structures:
Leasing shifts the risk of rapid luxury car depreciation to the lender, whereas financing allows you to build equity in the asset. It is also worth noting that you do not always have to wait until the end of your term to change your vehicle. If you wish to upgrade early or simply want to clear your debt, you can request a Bentley finance settlement figure from your lender at any point. This figure outlines exactly how much is required to clear the finance agreement entirely.
Purchasing a Bentley is a major investment, so it’s essential to secure a financial structure that works with your wider wealth and business interests.
When financing a high-value car like a Bentley, remember that high-end insurance, such as Bentley motor insurance or other specialised insurance products, should be considered in your monthly budget to protect your investment, ensure peace of mind, and maintain your vehicle’s value and reliability.
At Clifton Private Finance, our experienced prestige car finance providers can provide the information and assistance to help you secure the right funding for your dream car.
Whether you are a company director looking for tax-efficient contract hire, or a high-net-worth individual seeking a balanced payment plan for a classic Bentley, our experts will review your circumstances and negotiate market-leading terms on your behalf.
Call us today to discuss your requirements on 0203 900 4322
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