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Best ways to finance a Rolls-Royce purchase in the UK

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Rolls Royce Finance

Clifton private finance

We specialise in sourcing high value car finance in the UK

 

High quality Rolls-Royce finance solutions for UK & international clients.

  • Finance from £15,000
  • Competitive vehicle finance that often outperforms in-house car dealer offers
  • Flexible finance options which includes: Personal loans, Personal contract Purchase (PCP), Hire Purchase, Lease Purchase
  • Tailored bespoke service
  • Refinance options
  • Flexible repayment periods
  • Finance available on new, used and auction bought Rolls-Royce cars
  • Business owners - Refinance existing assets to free up your company's liquid capital
  • Business owners - Cashflow matched repayments
  • Prestige car leasing

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  

Call us on 0203 900 4322 to discuss your requirements.

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Best ways to finance a Rolls-Royce purchase in the UK

Rolls-Royce cars have always been a symbol of status and prestige. They combine the finest craftsmanship, the most advanced technology, and the most exquisite design to create a unique and unforgettable driving experience.

However, buying a Rolls-Royce is not a cheap affair. The upfront cost of a new or used Rolls-Royce can be quite high, and you also have to consider the depreciation, maintenance, and insurance costs that come with owning such a premium vehicle. That’s why many people opt for financing their Rolls-Royce instead of paying cash.

But how do you finance a Rolls-Royce in the UK? What are the different options available, and how do they compare? How do you find the best deal for your needs and circumstances? And what are the popular types of Rolls-Royce that you can buy on finance?

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The Different Finance Options Available for a ROLLS-ROYCE

If you want to buy a Rolls-Royce in the UK, you have several finance options to choose from. Each option has its own features, advantages, and disadvantages. Depending on your personal and financial circumstances. In this section, we will explain the main differences between the different types of finance available for buying a Rolls-Royce in the UK, such as:

Asset Finance

Asset finance is a form of leasing, where you pay a monthly fee to use the Rolls-Royce, but you do not own it. The monthly fee is based on the depreciation of the Rolls-Royce over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the Rolls-Royce at the end of the lease, which is agreed upon at the start of the contract.

The advantage of asset finance is that you can enjoy driving a new Rolls-Royce without having to pay the full purchase price upfront. You also have lower monthly payments than other finance options, as you are only paying for the depreciation of the Rolls-Royce.

At the end of the lease, you have three options, you can either:

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Hire Purchase

Hire purchase is a form of credit, where you pay a deposit and then monthly instalments to buy the ROLLS-ROYCE over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The Rolls-Royce is the security for the loan, which means that if you fail to make the payments, the lender can repossess the Rolls-Royce.

The advantage of hire purchase is that you can own the Rolls-Royce at the end of the contract, and you can choose the deposit and the duration of the contract to suit your budget. You also have the option to settle the loan early, by paying the outstanding balance and a small fee. The disadvantage is that you have to pay interest on the loan, and you do not own the Rolls-Royce until you make the final payment.

The final payment is usually the same as the monthly instalment, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the Rolls-Royce from the lender to you.

Hire Purchase with Balloon Payment

Hire purchase with balloon payment is similar to hire purchase, but with a twist. Instead of paying equal monthly instalments, you pay lower monthly instalments and a larger final payment, known as the balloon payment. The balloon payment is usually 25% to 50% of the purchase price of the Rolls-Royce, and it is agreed upon at the start of the contract.

The balloon payment is usually the same as the agreed percentage of the purchase price, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the ROLLS-ROYCE from the lender to you.

Balanced Payments

Balanced payments is a credit option, where you pay a deposit and monthly instalments, including principal and variable interest, to buy the Rolls-Royce over a fixed term. You can own the Rolls-Royce at the end of the contract, and benefit from low interest rates when the base rate is low.

You can also settle the loan early, by paying the balance and a fee. The drawback is that you have to pay variable interest, and may have higher payments when the base rate is high. The final payment is the same as the monthly instalment, and there is no fee.

Contract Purchase

Contract purchase is a leasing option, where you pay a deposit and monthly instalments, based on the depreciation and the GFV of the Rolls-Royce. You do not own the Rolls-Royce, but you can buy it for the GFV, return it, or part-exchange it at the end of the contract. Contract purchase has lower monthly payments and less upfront cost than other finance options, but no equity and possible extra charges for exceeding mileage limit, or any damage or wear and tear.

At the end of the contract, you have three options: you can either buy the Rolls-Royce for the GFV, return it to the lender and walk away, or part-exchange it for a new one or use any equity as a deposit.

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Personal Contract Purchase (PCP)

PCP is a flexible leasing option, where you pay an initial payment and lower monthly instalments, based on the depreciation and the GFV of the Rolls-Royce. You can own, return, or part-exchange the Rolls-Royce at the end of the contract, by paying, avoiding, or using the GFV as a deposit. PCP has lower monthly payments and more options than contract purchase, but higher interest and a large final payment.

ROLLS-ROYCE Best Finance Options - Comparisons

To help you compare the different options, we have prepared a table that shows the key criteria of each option, such as total cost, deposit, duration, and final payment. You can use this table as a reference, but remember that the actual figures may vary depending on the lender, the model, and your credit score.

Option

Total Cost

Deposit

Duration

Final Payment

Asset finance

Depends on the monthly fee and the residual value of the ROLLS-ROYCE

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Depends on whether you want to own, sell, or extend the lease

Hire purchase

Purchase price + interest

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Usually the same as the monthly instalment + £10 option to purchase fee

Hire purchase with balloon payment

Purchase price + interest

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Usually 25% to 50% of the purchase price + £10 option to purchase fee

Balanced payments

Purchase price + interest

Usually 10% to 20% of the purchase price

Usually 2 to 5 years

Usually the same as the monthly instalment

Contract purchase

Depends on the monthly instalment and the guaranteed future value (GFV) of the Rolls-Royce

Usually 10% to 20% of the purchase price

Usually 2 to 4 years

Depends on whether you want to own, return, or part-exchange the Rolls-Royce

Personal contract purchase (PCP)

Depends on the monthly instalment and the guaranteed future value (GFV) of the Rolls-Royce

As you can see, each option has its pros and cons, and the best one for you will depend on your preferences and goals. For example, if you want to own the Rolls-Royce at the end of the term, you might prefer hire purchase or balanced payments. 

If you want to have lower monthly payments, you might prefer hire purchase with balloon payment or PCP. If you want to have more flexibility at the end of the term, you might prefer contract purchase or PCP.

Get in contact with Clifton Private Finance to help make your decision easier – we can guide you to the right finance option, when considering your situation.

Popular Models of Rolls-Royce you can Buy on Finance

Now that you have an idea of the different ways to finance a Rolls-Royce in the UK, you might be wondering what types of Rolls-Royce you can buy on finance. The good news is that you can find almost any model of Rolls-Royce on finance, as long as it is within your budget and meets the lender’s criteria.

However, some models are more popular and available than others, depending on the demand, supply, and market trends. Here’s a brief overview:

Model

Description

Price Range

Monthly Payment

Ghost

Mid-engine luxury saloon, petrol or diesel engines, refined and elegant performance, spacious and comfortable interior, leather seats, digital cockpit, advanced safety and infotainment features

£60,000 to £200,000

£500 to £2,000

Dawn

Large luxury saloon, petrol or diesel engines, smooth and powerful performance, luxurious and spacious interior, leather seats, panoramic roof, advanced safety and infotainment features

£100,000 to £300,000

£1,000 to £3,000

Wraith

Mid-engine luxury coupe or convertible, petrol or hybrid engines, exhilarating and agile performance, sporty and sophisticated design, premium and luxurious interior, leather seats or soft-top roof (convertible), adaptive LED headlights (convertible), cutting-edge safety and connectivity features (convertible)

£120,000 to £350,000 (convertible) or £120,000 to £3000 (coupe)

£1.2k to £3k (convertible) or £1.2k to £3k (coupe)

Phantom

High-performance luxury saloon or coupe or convertible (all variants), petrol or hybrid engines (all variants), smooth and powerful performance (all variants), stylish and modern design (all variants), spacious and comfortable interior (all variants), leather seats (all variants), panoramic roof (all variants), advanced safety and infotainment features (all variants)

Prices range from £250k to over £1m, except for the Coupe which starts at £400k and has a limited edition of 200 units. 

What Happens at the End of an Asset Finance Plan?

Asset finance is a type of finance that allows you to use the Rolls-Royce as an asset for your business, while paying a fixed monthly fee to the lender. Asset finance can be either a finance lease or an operating lease, depending on whether you want to own the Rolls-Royce at the end of the term or return it to the lender.

At the end of an asset finance plan, you have different options depending on the type of lease you have chosen. Here are the possible scenarios:

The option that you choose will depend on your preferences and circumstances. For example, if you want to own the Rolls-Royce at the end of the term, you might prefer a finance lease. If you want to have a newer and more efficient Rolls-Royce, you might prefer an operating lease.

Using a Finance Broker to Help

If you are interested in financing a Rolls-Royce car in the UK, you might want to consider using a finance broker to help you with the process. A finance broker can help you find the best asset finance option for your needs and budget, as well as negotiate the best deal with the lender. A finance broker can also advise you on the different types of asset finance available for buying a Rolls-Royce car, such as cash flow matched repayments, CBILS facilities, and bespoke terms.

At Clifton Private Finance, we have a team of specialist finance brokers who can help you finance a Rolls-Royce car in the UK. We can work with Rolls-Royce to arrange your car finance plan and finalise your purchase. We can also help you finance new, used, or auction-bought Rolls-Royce cars, and offer the most competitive asset finance service for you.

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To find out more about our finance broker service, don't hesitate to contact us today. We offer a free and no-obligation telephone consultation at a time that suits you.


Call us today to discuss your requirements on 0203 900 4322

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