Bentley PCP Car Finance

Our Service

At Clifton Private Finance, we specialise in providing tailored and flexible Personal Contract Purchase (PCP) finance solutions for luxury vehicles, including the prestigious Bentley range. Whether you're drawn to the classic luxury of a Continental GT, the commanding presence of a Bentayga, or the thrilling performance of a Flying Spur, we can help you access competitive rates and custom financing options.

With our independent market comparisons, we ensure you secure the most suitable PCP finance package for your Bentley, often arranging funding within hours. Here's what our service includes:

• Flexible Finance Options: Alongside PCP, we offer Hire Purchase (HP), Lease Purchase, and unsecured loans to cater to your unique financial preferences.
• Competitive Rates: Our experts compare rates across the market to provide cost-effective solutions often superior to dealership offerings.
• Custom-Tailored Plans: Finance packages are designed to align with your budget, lifestyle, and long-term goals.
• Repayment Flexibility: Terms extend up to 10 years, enabling manageable repayments tailored to your financial circumstances.
• Options for New, Used, and Auction Vehicles: Whether you're eyeing a brand-new Bentley or a well-maintained used model, we adapt our solutions to suit your requirements.

Contact us today for a personalised quote and take the first step towards driving your dream Bentley.

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Why Choose PCP Car Finance for Your Bentley?

Owning a Bentley represents a significant investment, and PCP finance offers a streamlined and accessible route to driving one. By spreading costs into manageable monthly payments, PCP enables a seamless balance between luxury and affordability.

With its lower monthly costs compared to other financing options and end-of-contract flexibility, PCP is one of the most popular choices for luxury car enthusiasts. You can upgrade to a newer model, return the vehicle, or retain ownership by paying the final balloon payment, allowing you to adjust based on your preferences or lifestyle changes.

How PCP Works for a Bentley

PCP finance breaks down the cost of your Bentley into three main stages:

• Initial Deposit: An upfront payment, typically around 10% of the car’s total value, secures the agreement.
• Monthly Payments: These payments cover the vehicle's depreciation rather than its full value, keeping costs significantly lower.
• Final Balloon Payment: At the end of the contract, you can choose to pay this lump sum to own the vehicle, return it, or exchange it for a new PCP agreement.

This structure focuses on the depreciation of the vehicle rather than outright ownership, making Bentley ownership more accessible for many.

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Bentley Models Eligible for PCP

Bentley’s luxurious line-up is ideal for PCP agreements, offering vehicles that combine sophisticated design, cutting-edge technology, and unparalleled performance. Here are some popular Bentley models you can finance through Clifton Private Finance:

Bentley Continental GT

The Continental GT is a grand tourer that combines elegance with performance. It offers engine options from a 4.0L V8 to a 6.0L W12, delivering 542-771 bhp. The latest models can accelerate from 0-60 mph in 3.1 seconds and reach a top speed of 208 mph. It's available as both a coupe and convertible, with luxurious interiors and advanced technology.

Bentley Bentayga

The Bentayga is Bentley's flagship SUV, offering a blend of luxury and versatility. It comes with V8 and V6 hybrid engines, providing 428-626 bhp. The Bentayga can go from 0-60 mph in 3.8 seconds and reach a top speed of 180 mph. It's available in various configurations, including a 4-seat, 4+1, and 5-seat setup, making it perfect for families.

Bentley Flying Spur

The Flying Spur is Bentley's luxury sedan, known for its exquisite craftsmanship and powerful performance. It features V8 and W12 engines, with 542-626 bhp. The Flying Spur offers a smooth ride, spacious interiors, and advanced technology, making it ideal for those who want a high-performance yet comfortable vehicle.

Bentley Mulliner Models

For those seeking ultimate customisation, Bentley Mulliner models allow for bespoke features, exquisite detailing, and unique craftsmanship, making your Bentley a one-of-a-kind masterpiece.

Whether you’re opting for a pre-owned Continental GT or a fully personalised Bentayga, our PCP finance packages are designed to accommodate your specific needs.

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Comparing PCP to Other Car Finance Options

When it comes to car finance, options can be varied. When financing a Bentley, it's essential to consider how PCP compares with other finance methods like Hire Purchase (HP), Personal Contract Hire (PCH), unsecured loans, and credit cards. Each option offers unique advantages and limitations depending on your financial goals and priorities.

Here's a handy quick-guide table to review, and compare, between the many options available when it comes to financing a Bentley

 

 

Personal Contract Purchase (PCP)

PCP is a popular choice for luxury vehicles like Bentley because of its affordability and flexibility. It allows you to enjoy a high-end car with lower monthly payments by focusing on the vehicle's depreciation rather than its total value. At the end of the agreement, you can choose to pay the balloon payment to own the car, return it, or exchange it for a newer model.

Key Features:

• You pay a deposit, make monthly payments, and have a large optional final payment (balloon payment) at the end.
• Monthly payments are lower because you’re not financing the full cost of the car.

Pros:

• Lower monthly payments compared to HP, making luxury cars more affordable.
• Flexible end-of-contract options, including ownership, return, or upgrade.
• Suitable for both new and lightly used vehicles, offering versatility.

Cons:

• Mileage limits and condition checks apply, which may lead to extra charges if exceeded.
• A balloon payment is required to own the car outright.
• You don’t own the car until the final payment is made.

Hire Purchase (HP)

Hire Purchase is a more straightforward option for those looking to own their Bentley outright. Payments are higher compared to PCP since they cover the vehicle's full cost, but once the contract ends, you own the car with no further payments.

Key Features:

• You make an upfront deposit and fixed monthly payments over the term.
• Ownership transfers automatically at the end of the agreement.

Pros:

• Full ownership after the final payment, providing long-term value.
• No mileage restrictions or condition checks, offering greater flexibility.

Cons:

• Higher monthly payments, as you’re paying towards the full vehicle value.
• Less flexibility for upgrading during the contract term.

Personal Contract Hire (PCH) / Leasing

Personal Contract Hire is essentially a long-term rental agreement. You make monthly payments to use the car for a set period, after which you return it to the leasing company. PCH is ideal for those who like driving a new car regularly without the need for ownership.

Key Features:

• Payments typically cover vehicle use, maintenance, and road tax (if included).
• No option to buy the car at the end of the term.

Pros:

• Lower monthly payments, often with maintenance packages included.
• No concerns about ownership depreciation or resale value.
• Ideal for frequent upgrades to the latest Bentley models.

Cons:

• No ownership option, meaning you’re continually paying without gaining an asset.
• Mileage limits and condition requirements can lead to additional costs.

Unsecured Loans

An unsecured personal loan is a flexible option for financing a Bentley. You borrow a lump sum upfront to cover the car’s purchase, repaying it through fixed monthly instalments. This option gives you immediate ownership of the vehicle without any restrictions.

Key Features:

• Ownership is immediate as you purchase the car outright using the loan.
• No ties to mileage limits or condition checks.

Pros:

• Full ownership from the outset, giving you complete control over the car.
• No usage restrictions, such as mileage limits or end-of-contract inspections.
• Loan terms can often be tailored to suit your repayment preferences.

Cons:

• Higher interest rates compared to PCP or HP agreements, depending on your creditworthiness.
• Less flexibility for upgrading or exchanging the car.

Credit Cards

While not a typical choice for financing a luxury car like a Bentley, credit cards can be used to cover smaller portions of the purchase, such as deposits or ancillary costs.

Key Features:

• Works best for smaller balances rather than the full purchase price.
• May offer rewards like cashback or air miles.

Pros:

• Flexibility in covering deposits or supplementary costs.
• Some cards offer 0% introductory interest rates, making short-term borrowing inexpensive.
• Potential for reward points or cashback benefits.

Cons:

• High-interest rates apply if balances are not paid off within the billing cycle or promotional period.
• Not practical for large purchases, as it could exceed your credit limit.

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Choosing the Right Option – PCP Finance for Bentleys

When to Choose PCP:

• You want lower monthly payments and are comfortable with a final balloon payment.
• You value the flexibility to upgrade or change vehicles every few years.

When to Choose HP:

• You’re aiming for full ownership at the end of the contract.
• You prefer no restrictions on mileage or vehicle condition.

When to Choose PCH/Leasing:

• You enjoy driving a new car regularly and don’t mind not owning it.
• You prefer fixed payments and want to avoid depreciation concerns.

When to Choose an Unsecured Loan:

• You want immediate ownership of your Bentley.
• You’re comfortable with slightly higher interest rates in exchange for no restrictions.

When to Use Credit Cards:

• You need to cover smaller costs, such as deposits or maintenance expenses.
• You want to take advantage of introductory 0% interest offers.

By carefully comparing these finance options, you can select the one that best suits your financial goals and lifestyle while ensuring you drive away in the Bentley of your dreams.

Benefits of Choosing PCP for Your Bentley

Opting for PCP finance offers several advantages:

• Affordability: Pay for depreciation rather than full ownership, keeping monthly payments lower.
• Flexibility: Decide at the end of the contract whether to own the car, return it, or upgrade.
• Equity Opportunities: If your Bentley’s market value exceeds the Guaranteed Minimum Future Value (GMFV), you can benefit from equity to use as a deposit on your next car.

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GAP Insurance for Added Protection

GAP (Guaranteed Asset Protection) insurance provides peace of mind by covering the difference between your main insurer’s payout and the outstanding balance on your finance agreement if your Bentley is written off or stolen.

Types of GAP Insurance:

• Finance GAP: Covers the outstanding balance on your finance agreement.
• Return to Invoice (RTI): Bridges the gap between the insurance payout and the original invoice price.
• Vehicle Replacement GAP: Covers the cost of replacing the car with an equivalent model if prices have increased.

How to Apply for Bentley PCP Finance

At Clifton Private Finance, we simplify the process of securing PCP finance for your Bentley:

• Use Our Online Calculator: Get an estimate of monthly payments for your chosen Bentley model.
• Speak to a Finance Expert: Contact us for personalised advice tailored to your financial goals.
• Complete Your Application: Our team handles the paperwork, ensuring a smooth process from start to finish.

Start your journey toward driving a Bentley with confidence and convenience.

Are you ready to move forward with car finance? We can help. At Clifton Private Finance we have the expertise to help you balance your choices and make the right decision - as well as a full understanding of the things finance companies are looking for to help you present yourself in the best possible way, increasing your chance of getting the best deal.

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