Specialist Bentley finance, arranged through a panel of commercial lenders for deals from £25,000 upwards. We work across the full Bentley range, from current model-year cars to limited-build halo models and classics.
Typical Bentley list prices range from £160k to £2.5m+
Bentley finance is specialist commercial car finance arranged against a Bentley at £25,000 and above, placed by Hypercar Finance with a panel of commercial lenders. The Bentley Continental GT lists from £200,000, the Flying Spur from £180,000 and the Bentayga from £165,000, so every current Crewe car clears the floor and the useful question is which structure does the most for you.
The Bentley finance deals we arrange run from those three lines through the Mulliner Batur at £1.65m and the Continental GT Speed Edition 12 at £250,000, and back into the used and classic market. Each of our four Bentley product pages carries a payment deck computed at render time, so the numbers follow your deposit and term rather than sitting fixed in a paragraph.
Hypercar Finance is an independent credit broker and is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated consumer credit and we give no financial advice. Every agreement here is unregulated commercial finance for a business, a company director or a high net worth buyer.
What a Bentley costs to fund each month
What a Bentley costs to fund is decided by the price, the deposit, the term and the balloon, and by very little else. On a Continental GT at £200,000, a 20 per cent deposit with a 45 per cent balloon leaves roughly a third of the car to amortise across the term. Remove the balloon and the whole balance amortises. That one decision moves the figure further than any realistic movement in rate.
Specification is the second lever and it is larger on this marque than on most. A Mulliner commission on a Continental GT or a Flying Spur can add a substantial sum to the invoice without adding the same amount to the resale figure, so a lender will often fund against a considered valuation rather than the full order form. We flag that before you commission rather than after, which is a point of information rather than advice on what to specify.
Deposits on Bentley finance run 15 to 30 per cent, terms 36 to 60 months, and our indicative band is 8.9 to 9.9 per cent. Rather than quote a payment figure that ages the moment the deposit changes, the calculator on this page computes one against any Bentley price, and the hire purchase, lease purchase, PCP and equity release deals each carry a full computed deck.
Bentley finance deals and the four structures we place
Four types of agreement cover every Bentley finance deal we write, and the differences between the deals show up at the end of the term. Hire purchase spreads the full balance with no balloon and hands over title with the final payment. It is the usual answer on a used Bentayga or an older Continental GT held through a limited company, because it amortises cleanly and there is no residual left to argue about.
Lease purchase defers an agreed sum to a final balloon pegged to the projected residual, and it is the structure we place most often on a current Continental GT and Flying Spur. The Ultra Performance Hybrid V8 in both cars is new enough that the balloon conversation is worth having properly, and a good one is worth more than a fractional improvement in rate. Bentley Financial Services offers the same two types through the retailer network, so the comparison is straightforward to make.
Personal contract purchase fixes a Guaranteed Minimum Future Value at the outset so the lender carries the residual risk rather than you. It suits the Bentayga, where volumes give a lender enough comparable data to commit to a firm number. Equity release refinances a Bentley already owned, releasing the difference between an agreed valuation and any outstanding balance as cash, and it does the most work on pre-war cars, the R-Type Continental and the Mulliner Batur. Bentley Financial Services cannot arrange that at all, because a captive funds new stock rather than a car you already hold.
Our finance guides set out all four types in full. Where you want two Bentley finance deals compared against the same car and the same deposit, ask and we will model both rather than steer you to one, and the finance deals we quote will show what each does to the amount financed.
Which Bentley models we fund, from Bentayga to Batur
The Continental GT is the Crewe grand tourer, now in its fourth generation with a 771 bhp Ultra Performance Hybrid V8, from £200,000 and rising to around £290,000 with options. The Continental GTC is the convertible version of the same car and funds identically. The Flying Spur is the four door on the same powertrain from £180,000, and the Flying Spur Speed sits above it. The Bentayga is the SUV from £165,000, offered as Bentayga, Bentayga S, Bentayga Azure, Bentayga EWB and Bentayga Speed.
Above the core range sit the coachbuilt and limited cars. The Mulliner Batur, of which eighteen were built, lists at £1.65m. The Continental GT Speed Edition 12 marked the end of the W12 engine at £250,000 across 120 cars. The Mulliner Bacalar and the Blower Continuation series sit alongside them, and all three are funded on valuation rather than on any list price.
The used and classic market is the other half of the book. Earlier Continental GT and Continental GT Speed cars, the Continental Flying Spur, the Mulsanne that closed in 2020, the Arnage and the Brooklands, the R-Type Continental, the S1 to S3 and the pre-war 3 Litre, 4½ Litre and Speed Six all fund at £25,000 and above where the valuation supports it. Used Flying Spur deals in particular are among the most competitive finance deals in this sector, because supply is steady and the market is well documented.
Crewe residuals and what a lender will lend against
Bentley Motors has built at Crewe since 1946, and the residual picture divides between the modern volume cars and the coachbuilt and pre-war end. The modern Continental GT, Flying Spur and Bentayga have deep enough transaction data for a lender to price a balloon quickly and confidently. The pre-war cars are the opposite: a 4½ Litre with continuous history and a documented competition record is valued as an individual object, and a lender needs the evidence rather than a table.
Specification decides more here than on any other marque we cover. Two Continental GT cars of the same year and mileage can be tens of thousands apart on the strength of the Mulliner content, the wheels and the paint. That works both ways: a well chosen specification holds, an idiosyncratic one does not, and a lender lends against the market rather than against the original invoice.
What lifts loan to value is documentary and dull. Crewe main dealer or Bentley specialist service history, the original build record, matching numbers on an older car, genuine mileage and a clean provenance check all move the number. On a Flying Spur or a Bentayga used as a chauffeur car, a recorded mileage history matters more than usual. None of this is financial advice; it is simply what the underwriter looks at.
Buying a Bentley through a dealer, at auction, or privately
Franchised Bentley dealers are the simplest route and the one most buyers take. There is an invoice, a warranty position, an approved used inspection where it applies, and the lender pays the dealer directly on the day. A part exchange is valued in the same conversation and settled by us where it carries finance. Most Bentley dealers will present the Bentley Financial Services product at the same time, and there is no obligation to take it.
A private sale is usually cheaper and always slower. The lender verifies title, confirms nothing is outstanding against the car and checks the V5C before releasing funds, and we start that the day a price is agreed. Buyers comparing Bentley cars for sale privately against dealer stock should price in that extra few days rather than be surprised by it.
Auction is where much of the classic Bentley market trades. You are committed at the fall of the hammer and the balance plus the buyer's premium is normally due inside seven days, so the facility has to be agreed before the sale. We confirm in writing whether the lender funds the hammer price or the all-in figure, which is the single most common reason a bidder runs out of room at a sale.
Bentley finance questions buyers ask before they commit
Can you get a Bentley on finance? Yes. We arrange Bentley finance on new, used, coachbuilt and pre-war cars from £25,000 upwards through a panel of commercial lenders, with a decision usually inside 48 hours. Bentley Financial Services provides the captive product on current cars through the retailer network; we are the independent alternative, and the gap is widest on used, classic and Mulliner cars.
How good is Bentley for finance? On the modern range, very. The Continental GT, Flying Spur and Bentayga are among the easiest cars in this sector for a lender to value, because the transaction data is deep and the marque has been consistent for two decades. That translates into competitive finance deals and quick decisions rather than a longer process, and it is why used Bentayga deals price close to new ones.
Does a Mulliner specification change the deal? It changes the valuation rather than the structure. A lender funds against what the market will pay, so an option list that costs a great deal and adds less to the resale figure will affect loan to value. We tell you where the line falls before the order is placed. That is a statement of how the finance will treat it, not financial advice on the specification itself.
What is the 50 per cent rule for car finance? It is voluntary termination under the Consumer Credit Act and applies only to regulated consumer agreements. Everything we arrange is unregulated commercial finance above £25,000, so it does not apply here, and early settlement terms are agreed with the lender at the outset.
