Core structure
Bentley PCP Finance
Continental GT, Flying Spur and Bentayga on a monthly payment, with the steep early years priced in before you sign
Indicative monthly payment from
£2,190a month
Based on Bentley Bentayga at £165,000, arranged as Personal Contract Purchase at 8.9% nominal.
- Deposit
- £24,750
- Term
- 48
- Final payment
- £74,250
15%
months
45%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
Own a Continental GT, a Flying Spur or a Bentayga through the years that cost the most, on a monthly payment, with your exit price fixed on day one. Bentley PCP does that: money down, 48 monthly payments, then a guaranteed final figure drawn from a deep pool of comparable Crewe transactions, which is why it tends to be accurate rather than defensive.
We arrange Bentley PCP 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 PCP 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 PCP is set once a lender has seen both.
The table prices the Bentley Continental GT, then the Flying Spur and Bentayga. 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 Continental GT | £200,000 | £40,000 (20%) | 48 months | £90,000 (45%) | 8.9% | £2,406 |
| Bentley Flying Spur | £180,000 | £36,000 (20%) | 48 months | £75,600 (42%) | 8.9% | £2,260 |
| Bentley Bentayga | £165,000 | £24,750 (15%) | 48 months | £74,250 (45%) | 8.9% | £2,190 |
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 PCP 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
£
Personal Contract 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 PCP
We arrange Bentley PCP 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 Continental GT, the Flying Spur and Bentayga suit Bentley PCP. The Mulliner Batur and Speed Edition 12 do not, for the residual reason set out further down. Prices below are list, and a pre-owned Continental GT is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| Continental GT | £200,000 | Yes | Forecastable residual, guaranteed figure available |
| Flying Spur | £180,000 | Yes | Forecastable residual, guaranteed figure available |
| Bentayga | £165,000 | Yes | Forecastable residual, guaranteed figure available |
| Mulliner Batur | £1,650,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Speed Edition 12 | £250,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
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 PCP financing against that specific vehicle.
Bentley PCP deposit, term and balloon
Bentley PCP 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 guaranteed minimum future value 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.
Our specialists place Bentley PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and a Bentley decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £160,000 to £2,500,000
- Bentley deal range
- 3 of 5
- Models suited to PCP
- 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 with a specialist broker
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 PCP 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 PCP 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 set the guaranteed future value
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 PCP 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.
You are here
Bentley Personal Contract Purchase
Core structurePCP 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.
- 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 PCP 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. If you intend to own the car through the steep part of that curve and then move on, PCP lets you do it with the lender carrying the risk that the curve is steeper than expected. The guaranteed figure is set from a deep pool of comparable transactions, so it tends to be accurate rather than defensive.
There is a second reason this works on Bentley specifically. Crewe cars are heavily optioned, often by tens of thousands of pounds, and the used market prices the car rather than the invoice. That means a large part of what you spend at order is not coming back. Fixing your exit price at the outset, before you have discovered that, is a materially better position than finding out at part-exchange.
Mulliner cars are outside the product. The Batur was built in double figures and the Speed Edition 12 closed out the W12, and both trade on scarcity rather than on the Continental GT curve. Lenders will not set a guaranteed figure on either, and no owner of one is looking for the option to hand it back.
Related Reading
Bentley PCP finance FAQs
Bentley Bentayga at £165,000 works out at roughly £2,190 a month on Personal Contract Purchase, with £24,750 down at 15% and a 48 month term at 8.9% indicative nominal, leaving £74,250 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.
Enough that the guaranteed figure is the most important number in the agreement. We do not publish a percentage because it moves with specification, mileage and the model cycle, but the shape is consistent: steep early, flat later. Ask us to model the same car on PCP and hire purchase side by side and the size of the deferred amount will tell you more than any published figure.
Much less than they cost. A lender setting a guaranteed minimum future value works from comparable used transactions, and the used market does not reimburse a long option list. This is the most common surprise among Bentley buyers, and it is a strong argument for agreeing your exit price at the start rather than discovering it at part-exchange.
Slightly, yes. The used market for large luxury SUVs is broader and moves faster than the market for luxury saloons, which gives a lender more confidence in the guaranteed figure and usually produces a marginally stronger one. The Flying Spur is still a straightforward car to place, it just sits a little behind the Bentayga on this measure.
Not by voluntary termination. That right belongs to regulated consumer credit agreements, and everything we arrange above £25,000 is unregulated commercial finance, so it does not apply. What you can do is settle early, and we agree the early-settlement basis with the lender when the agreement is written rather than leaving it to be discovered later.