Works, with a caveat
Bentley Lease Purchase Finance
A Continental GT, Flying Spur or Bentayga on a monthly cost, with the largest slice of the price deferred to the end
Indicative monthly payment from
£2,046a month
Based on Bentley Bentayga at £165,000, arranged as Lease Purchase at 8.9% nominal.
- Deposit
- £24,750
- Term
- 48
- Final payment
- £82,500
15%
months
50%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
Crewe cars run on a monthly payment here rather than a single cheque. Bentley lease purchase combines a deposit, a term over the amortised balance and an agreed final balloon that you either pay off or refinance when the date arrives, at which point title passes. It is also the structure that reaches a Mulliner Batur or a Speed Edition 12 at all.
We arrange Bentley lease 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 a Bentley lease 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 lease 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 | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|
| Bentley Mulliner Batur | £1,650,000 | £495,000 (30%) | 36 months | £1,155,000 (70%) | 8.9% | £8,566 |
| Bentley Speed Edition 12 | £250,000 | £62,500 (25%) | 48 months | £175,000 (70%) | 8.9% | £1,608 |
| Bentley Continental GT | £200,000 | £40,000 (20%) | 48 months | £100,000 (50%) | 8.9% | £2,232 |
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 lease 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
£
Lease 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 lease purchase
We arrange Bentley lease 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.
The Bentley Mulliner Batur, the Speed Edition 12 suit Bentley lease purchase. The Continental GT, Flying Spur and Bentayga do not, for the residual reason set out further down. Prices below are list, and a pre-owned Mulliner Batur is arranged on the same panel as a new one.
| Model | List from | Suits lease purchase | Why |
|---|---|---|---|
| Continental GT | £200,000 | No | You carry the residual on a falling asset |
| Flying Spur | £180,000 | No | You carry the residual on a falling asset |
| Bentayga | £165,000 | No | You carry the residual on a falling asset |
| Mulliner Batur | £1,650,000 | Yes | You keep the appreciation above the balloon |
| Speed Edition 12 | £250,000 | Yes | You keep the appreciation above the balloon |
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 lease purchase financing against that specific vehicle.
Bentley lease purchase deposit, term and balloon
Bentley lease 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 a agreed final balloon deferred to the end, which is what pulls the monthly payment down to the figures above.
You have three ways to deal with the balloon payment: settle it and take the Bentley outright, refinance it over a further term, or sell the car and clear it from the proceeds. Which of those is right is worth deciding before the agreement is written rather than in its final month. Early settlement part way through is allowed, with interest you have not yet run rebated. New, pre-owned and classic cars are all eligible, and Bentley sits inside the wider luxury car finance, classic car finance and prestige car finance market we work across.
Interest rates on a lease purchase agreement move with the term, the deposit and your credit profile, and financing a classic Bentley runs on the same agreement as a current one.
- £160,000 to £2,500,000
- Bentley deal range
- 2 of 5
- Models suited to lease 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 Bentley finance at this level goes through a panel
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 lease 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 lease 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
- Structure around Bentley Motors residual behaviour rather than against it, which is the whole of the argument on this marque
- Say when one of the other three structures suits your Bentley better, even where it is the one we place less often
How Bentley Motors residuals decide the balloon you agree
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 lease 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.
- Works, with a caveat
Bentley Hire Purchase
Hire 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.
You are here
Bentley Lease Purchase
Works, with a caveatLease 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 lease 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 in the first three years and comparatively little after that. Lease purchase puts that curve on your side of the agreement. If you intend to own the car well past the balloon date, that is not a problem, because you were always going to sit through the fall and you avoid paying for an option you would never use. The lower monthly cost and the clean route to title are the reward.
If you are not certain, the arithmetic is unforgiving. Crewe cars are heavily optioned, often by tens of thousands of pounds, and the used market prices the car rather than the invoice. Agree a balloon that assumes a specification premium survives four years and you will find it has not. The Mulliner cars read differently: the Batur and the Speed Edition 12 trade on scarcity, no lender will guarantee a figure on either, and lease purchase is the structure that actually reaches them.
It stops if there is any prospect of you wanting out. A Continental GT four years old is worth considerably less than the one you ordered, and with an agreed balloon that gap belongs to you. There is no voluntary termination on unregulated commercial finance to fall back on either. If the exit is uncertain, do not take the residual on.
If that is your position, Personal Contract Purchase is worth putting alongside this one before you decide.
Worth putting alongside this one
Bentley Personal Contract Purchase
Where you might want to hand the keys back at the end, a guaranteed figure on a Continental GT or a Bentayga transfers the steep part of Crewe's depreciation curve to the lender, which is what that curve is for.
Related Reading
Bentley lease purchase FAQs
Bentley Bentayga at £165,000 works out at roughly £2,046 a month on Lease Purchase, with £24,750 down at 15% and a 48 month term at 8.9% indicative nominal, leaving £82,500 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.
On lease purchase or hire purchase. The Batur was built in double figures and trades on scarcity rather than on the Continental GT curve, so no lender will set a guaranteed future value and none is sought. Lease purchase defers an agreed balloon to keep the monthly cost proportionate, and the appreciation, if the car behaves as scarce Mulliner cars have, stays with you rather than with the lender.
Lower than the one that produces the nicest monthly figure. The Flying Spur sits at the softer end of the Crewe range through the first cycle, and because you are agreeing the balloon rather than being guaranteed it, every pound you defer is a pound of residual risk you have taken on. We would rather set a conservative figure and have the car comfortably clear it at the end.
Yes, and most of the Bentley agreements we arrange are written that way. Everything we place is unregulated commercial finance above £25,000, which is the natural home for a company purchase and comfortably covers a Bentayga upwards. The benefit-in-kind position on a car at this value moves the answer more than the finance cost does, so take your accountant's view before the structure is fixed.
It changes the market rather than the credit. The Speed Edition 12 closed out the W12 and last-of-line cars in that position have historically firmed, which is why no guaranteed figure is offered on it. On lease purchase you are the one who benefits if that firming happens, and the one who funds the balloon if it does not. We would not structure a deal on the assumption of appreciation.