Works, with a caveat
Bentley Hire Purchase Finance
A deposit, fixed monthly payments and a Bentayga or Continental GT in your own name when the term closes
Indicative monthly payment from
£3,483a month
Based on Bentley Bentayga at £165,000, arranged as Hire Purchase at 8.9% nominal.
- Deposit
- £24,750
- Term
- 48
- Final payment
- None
15%
months
owned outright
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
Take a Continental GT, a Flying Spur or a Bentayga on fixed monthly instalments and finish the term holding the car outright. Bentley hire purchase asks for a deposit, then clears the whole balance across the term with nothing deferred to a balloon, so the option list you paid Crewe for stays yours instead of being priced by somebody else.
We arrange Bentley hire purchase across 5 current and recent Bentley Motors models, from the Bentayga at around £165,000 to the Mulliner Batur at £1,650,000. Every figure on this page is computed from those real list prices by the same finance calculator you can run yourself, and we are an independent credit broker arranging the financing rather than a lender, so the rate and the term come back from our panel of specialist lenders rather than from us.
What Bentley hire purchase costs a month
The figures below are computed from each car's real list price using the same amortisation the finance calculator on this page runs, at 8.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific Bentley, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Bentley hire purchase is set once a lender has seen both.
The table prices the Bentley Mulliner Batur, then the Speed Edition 12 and Continental GT. Change the car and the monthly payment moves with the list price, the deposit and the term rather than with anything we decide.
| Vehicle | Price | Deposit | Term | Rate | Monthly |
|---|---|---|---|---|---|
| Bentley Mulliner Batur | £1,650,000 | £495,000 (30%) | 36 months | 8.9% | £36,675 |
| Bentley Speed Edition 12 | £250,000 | £62,500 (25%) | 48 months | 8.9% | £4,657 |
| Bentley Continental GT | £200,000 | £40,000 (20%) | 48 months | 8.9% | £3,974 |
Indicative only and not a quotation. Figures are calculated on a balance-with-balloon amortisation at the nominal annual rate shown, and assume no fees. Final terms depend on the commercial lender's underwriting, your circumstances, and the vehicle's specification and provenance.
Bentley hire purchase finance calculator
Change the price, the deposit and the term to see what moves. The calculator runs the same amortisation as the table above, so the two can never disagree.
Vehicle Config
mi
£
Hire Purchase
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Crewe models we place on Bentley hire purchase
We arrange Bentley hire purchase across the Bentley Motors range rather than on a shortlist of easy cars, but the structure does not fit every model equally. Our specialist lenders take new, pre-owned and classic Bentley cars alike, and the judgement in the table below comes from how each car has actually behaved at the end of a term rather than from what is easiest to place.
Every car in the range suits it: the Continental GT, Flying Spur, Bentayga, Mulliner Batur and Speed Edition 12. Prices below are list, and a pre-owned Continental GT is arranged on the same panel as a new one.
| Model | List from | Suits hire purchase | Why |
|---|---|---|---|
| Continental GT | £200,000 | Yes | Full ownership at the end, no final payment to find |
| Flying Spur | £180,000 | Yes | Full ownership at the end, no final payment to find |
| Bentayga | £165,000 | Yes | Full ownership at the end, no final payment to find |
| Mulliner Batur | £1,650,000 | Yes | Clean route to ownership on a car nobody will guarantee |
| Speed Edition 12 | £250,000 | Yes | Clean route to ownership on a car nobody will guarantee |
Bentley
Mulliner Batur Finance
From £1,650,000740 bhp
Bentley
Speed Edition 12 Finance
From £250,000650 bhp
Bentley
Continental GT Finance
From £200,000771 bhp
Bentley
Flying Spur Finance
From £180,000771 bhp
Bentley
Bentayga Finance
From £165,000542 bhp
Each card opens the model page, where you can model Bentley hire purchase financing against that specific vehicle.
Bentley HP deposit, term and final instalment
Bentley hire purchase is built from three numbers. A deposit, typically 20% on a Bentley Motors car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And no deferred payment at all, which is why the monthly figure is the highest of the four structures and why the Bentley is yours outright when the last instalment clears.
There is nothing to refinance and no residual to argue about, which is what makes a hire purchase agreement the cleanest route to outright ownership on cars a lender will not forecast. Interest rates are indicative rather than fixed, because every agreement above £25,000 is underwritten individually on the car and the borrower. New, pre-owned and classic Bentley cars are all eligible.
A hire purchase agreement is the simplest of the four finance types: the total amount payable is fixed when the agreement starts and the monthly payments do not change. No agreement here turns on a future value.
- £160,000 to £2,500,000
- Bentley deal range
- 5 of 5
- Models suited to hire purchase
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged from £25,000 upwards
On current residual behaviour
Moves with the car and your position
Indicative rates from 8.9% nominal
Why arrange Bentley finance through a broker rather than a dealer
Bentley finance at this level is not a retail product and is not priced from a rate card. We are an independent credit broker rather than a lender, so Bentley hire purchase goes to the lenders on our panel that genuinely write against Bentley Motors cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Bentley finance figure on this page is computed from a real list price in our catalogue, from the Bentayga up to the Mulliner Batur, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing a Bentley Motors car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Bentley car finance, luxury car finance, classic car finance and prestige car finance, or simply a monthly payment on a Bentayga, the four structures and the panel behind them are the same. We arrange bespoke finance across the UK, a classic car goes to the same underwriters as a new one, and the monthly payments quoted here are computed rather than advertised.
What we do on a Bentley that a dealer finance desk does not
- Place Bentley hire purchase across a panel rather than with one lender, so a decline on a Bentley starts the conversation rather than ending it
- Price new, pre-owned and classic Bentley cars on the same panel, including a Bentayga bought privately or a Mulliner Batur bought at auction
- Set the term against how long you actually intend to keep the Bentley, since nothing here depends on handing it back
- Say when one of the other three structures suits your Bentley better, even where it is the one we place less often
Why Bentley Motors residual behaviour matters less on HP
A Continental GT, a Flying Spur or a Bentayga loses a substantial share of its value in the first three years and comparatively little after that. The curve is steep early and flat late, and because Bentley sells in numbers and specifications cluster around a recognisable set of options, a lender can model it. That combination is exactly what a guaranteed future value product is built for.
The thing that catches buyers out is specification. A heavily optioned Continental GT can carry tens of thousands of pounds of extras that contribute almost nothing to the guaranteed figure three years later, because the used market prices the car and not the invoice. We flag this at the structuring stage rather than at the end of the term.
Mulliner cars sit outside all of this. The Batur was a twelve-car-a-year proposition and the Speed Edition 12 marked the end of the W12, and both trade on scarcity rather than on the Continental GT's curve. Neither is a guaranteed-value candidate.
Bentley depreciates predictably and then stops, which makes Crewe one of the more straightforward marques to structure finance against.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Mulliner Batur, Speed Edition 12 | A guaranteed future value is either declined outright or set below what the car is really worth, so the lender's protection is worth little here |
| Falling | Continental GT, Flying Spur, Bentayga | Forecastable, so a guaranteed figure can be set and priced |
Market commentary rather than a valuation. Residual value is the largest single variable in a £25,000-plus vehicle agreement and no credit broker can guarantee it. Lender posture on Bentley: Straightforward on Continental GT, Flying Spur and Bentayga. Declined on Mulliner Batur and Speed Edition 12.
Bentley hire purchase against the other three structures
The four finance options are not interchangeable on a Bentley, and the reason is the one running through this whole page: who carries the residual. Personal Contract Purchase hands it to the lender through a guaranteed minimum future value. Lease Purchase leaves it with you behind a balloon payment you agree. Hire Purchase removes the question by amortising the full cost and ends in outright ownership. Equity Release is not a purchase structure at all, but a refinance against a Bentley you already hold.
- Core structure
Bentley Personal Contract Purchase
PCP suits Bentley better than almost any structure on this site, because Crewe's cars depreciate steeply and then flatten, which is exactly the shape a guaranteed-value product is built to handle.
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Bentley Hire Purchase
Works, with a caveatHire purchase fits the Bentley owner who intends to sit through the first cycle and come out the other side, because Crewe's cars stop losing value at roughly the point a full-length agreement finishes.
- Works, with a caveat
Bentley Lease Purchase
Lease purchase works on a Bentley for a buyer who is certain they will settle the balloon, but you are volunteering to carry the steepest first-cycle depreciation in this catalogue.
- Works, with a caveat
Bentley Equity Release
Equity release on a Bentley is largely a Mulliner conversation, because a Batur or a Speed Edition 12 refinances cleanly while a Continental GT in the middle of its first cycle usually has nothing to release.
Ratings are our own view of how each structure behaves on Bentley, based on the residual evidence above rather than on which product is easiest to place.
Where hire purchase stops working on a Flying B car
A Continental GT, a Flying Spur or a Bentayga gives up a substantial share of its value early and comparatively little afterwards. A full-length hire purchase carries you through the steep part of that curve and delivers the car at about the point it flattens. If you then keep it, you have paid for the expensive years of the car's life and you own the cheap ones outright. That is a coherent plan and it is the strongest single argument for the structure on this marque.
Specification is the second argument. A heavily optioned Crewe car can carry a very large sum in extras that contributes almost nothing to a guaranteed figure three years later, because the used market prices the car and not the invoice. Under hire purchase nobody prices your option list at the end of the term, because there is no end-of-term valuation to price it at. Mulliner cars make the same point in stronger terms: neither the Batur nor the Speed Edition 12 attracts a guaranteed value, so this is one of only two structures available on them.
The limit is the buyer who is not going to keep the car. A three-year hire purchase on a Continental GT is precisely the wrong length of agreement, because it makes you buy the whole of the steepest part of the curve and then hands you the car at the moment you were planning to move on. If your horizon is one cycle rather than two, the guaranteed-value route lets the lender carry the part of the curve you were only ever going to rent.
Related Reading
Bentley hire purchase FAQs
Bentley Bentayga at £165,000 works out at roughly £3,483 a month on Hire Purchase, with £24,750 down at 15% and a 48 month term at 8.9% indicative nominal, with nothing deferred to the end. Dearer cars in the range scale up from there. Every figure is computed rather than quoted, so run your own before relying on it.
The shape of the depreciation. The expensive years are the first ones, and an owner who keeps the car past them holds an asset that moves very little from one year to the next. Hire purchase is how you buy that position: you pay for the steep part while the agreement runs, then own the flat part with no further finance cost attached to it.
In the sense that you keep the benefit of it, yes. A large option list does not come back to you through a guaranteed figure, because the lender values comparable transactions rather than your invoice. If you own the car outright at the end and go on using it, the specification keeps working for you for as long as you keep it, which is the only way that spend genuinely makes sense.
Yes. The Speed Edition 12 closed out the W12 and trades on scarcity rather than on the Continental GT curve, so no lender sets a guaranteed value on one and the structures available narrow to hire purchase and lease purchase. Underwriting shifts from valuation-book work to an appraisal, and the deposit expectation is usually higher.
Yes, through a settlement figure. The lender holds title until the agreement is cleared, so the sale completes by settling the balance and having the interest released, which is routine and can usually be handled alongside the sale itself. We agree the settlement basis at the outset so the numbers are known rather than requested under time pressure.