Bentley Bentayga Finance

Bentley Bentayga finance deals and what they cost

Car finance deals are usually quoted as one monthly figure with the structure hidden behind it, which makes them impossible to compare. The table prices the same Bentley Bentayga three ways, on a 15% deposit of £24,750 over 48 months at an indicative 8.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.

Hire Purchase amortises the whole balance, which is why it is the highest payment at £3,483 and the only row with no final payment to plan for. Lease Purchase defers £74,250 to a final balloon, taking £1,294 a month off. Personal Contract Purchase looks similar and differs underneath, because that final payment is a Guaranteed Minimum Future Value the lender stands behind rather than a balloon you have agreed to pay.

Bentley launched the Bentayga in 2015 as its first SUV and it now accounts for a substantial share of everything Crewe builds. Volume is what makes a residual value forecastable, and a forecastable residual is what a Guaranteed Minimum Future Value is built on. Of all the cars on this site, this is close to the easiest to place with a commercial lender, and the terms available reflect the asset rather than any negotiation we do on your behalf.

The standard car runs a 4.0-litre twin-turbo V8 producing 542 bhp and 770 Nm, reaching 62 mph in 4.4 seconds and 180 mph. No hybrid, no W12, no complication. A lender underwriting this powertrain is underwriting an engine used across a large group in significant numbers, with a parts and service position that remains well understood four years out.

The trim ladder is where the money hides. A Bentayga, a Bentayga S and a Bentayga Speed are three different assets with three different valuations, and above them sit the four-seat executive configuration, the Naim audio and the more expensive hides. Those choices land on the invoice in full and on the lender's valuation only in part, so a deposit sized against the car you actually ordered is what keeps the agreement in equity.

Which finance structure suits the Bentley Bentayga

Our answer on the Bentayga is Personal Contract Purchase. This is the model where a guaranteed future value is easiest to obtain and most useful, because most Bentayga buyers replace the car on a cycle rather than keep it, and Personal Contract Purchase is built for exactly that.

Hire Purchase if the plan is to keep the Bentayga past the term. At £3,483 a month it costs more each month and leaves you owning the car outright with nothing outstanding, which is the cheaper answer over any horizon longer than the agreement itself.

If you came here looking for Bentley Bentayga leasing or lease deals, the distinction worth knowing is that we do not arrange contract hire, where the car goes back at the end and was never yours. Lease Purchase is the structure closest to what most people mean by leasing a Bentayga: the same lower monthly payment, with legal ownership from the first payment. Contract hire on cars of this value is rare, and sites offering it usually quote short-term rental rather than finance.

Bentley depreciates predictably and then stops, which makes Crewe one of the more straightforward marques to structure finance against. The Bentley Bentayga sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.

Financing a used Bentley Bentayga

There is a deep pre-owned Bentayga market because Bentley has been building the model for a decade, and that depth is worth money in a finance conversation. A lender pricing a three year old car is reading a market with hundreds of comparable transactions behind it, so the residual value it commits to is not a guess, and the payment reflects that confidence.

The thing to establish on a used example is which generation and which tune you are buying, because the model was substantially revised for 2020 and the S and Speed cars carry different equipment. Beyond that a lender wants a complete service file, a clear vehicle record, no outstanding finance, and mileage consistent with the recorded history.

Pre-owned cars price the same way with smaller numbers. A used Bentayga at £74,500, on the same 15% deposit and 8.9% rate, comes to £1,573 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.

Part exchange and settlement on a Bentley Bentayga

Three things can happen at the end of a Lease Purchase term on a Bentley Bentayga, and it is worth knowing which you are planning for. You settle the £74,250 balloon and keep the car, you refinance it over a further term, or you part exchange the Bentayga and take whatever sits above the balloon as equity toward the next one.

Across a 48 month agreement the running costs on a Bentayga are the ordinary ones for a large luxury SUV: scheduled servicing, tyres in a size that is not cheap, brakes, and insurance at the level a 180 mph five-seater attracts. The advantage over the rest of the range is that none of it is exotic, and a specialist can quote the whole picture before you sign anything.

Because so many Bentaygas are ordered new, most agreements start with full warranty cover running well into the term. On a pre-owned car the question is how much of that cover remains and whether it was extended, and the answer should decide the term length before the monthly payment does.

Part exchange is the route most owners take, and it is where the residual value does the most work. If the Bentayga is worth more than the balloon, the difference becomes the deposit on your next agreement. If it is worth less, the Guaranteed Minimum Future Value protects you on Personal Contract Purchase, while on Lease Purchase the shortfall is yours.

Early settlement is available on every structure we arrange, but the settlement figure is calculated under the terms of the agreement rather than under the Consumer Credit Act rebate rules. Ask us for it in writing before you fix a sale date on the Bentayga.

Other Flying B models we finance

The Bentley Bentayga sits at £165,000 in a range we finance end to end. Either side of it are the Flying Spur at £180,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.

The other Bentley cars we arrange finance deals on are the Bentley Continental GT, the Bentley Flying Spur, the Bentley Mulliner Batur and the Bentley Speed Edition 12, each with its own page and payment table, because a lender does not price a range, it prices a car.