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Bentley Continental GT Finance
2024-present
771 bhp
Power
3.2s 0-62mph
Acceleration
208 mph
Top Speed
Finance from
£2,406 a month
Indicative, on Lease Purchase
List price
£200,000
Specified to £290,000
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Continental GT finance from £2,406 a month
- £2,406
- Per month
- £40,000
- Deposit
- 771 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
20% of £200,000
4.0L Twin-Turbo V8 Hybrid
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £200,000 list price at 8.9% nominal over 48 months.
A Bentley Continental GT comes to £2,755 a month on Personal Contract Purchase over 48 months, with a 20% deposit of £40,000 against the £200,000 list price at an indicative 8.9%. Crewe is one of the few marques on this site where a commercial lender will put its own money behind a guaranteed future value, £70,000 in this case, because it can forecast what the car will be worth. That guarantee is the product here.
Bentley Continental GT 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 Continental GT three ways, on a 20% deposit of £40,000 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.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Bentley Continental GT | Hire Purchase | £200,000 | £40,000 (20%) | 48 months | None | 8.9% | £3,974 |
| Bentley Continental GT | Lease Purchase | £200,000 | £40,000 (20%) | 48 months | £90,000 (45%) | 8.9% | £2,406 |
| Bentley Continental GT | Personal Contract Purchase | £200,000 | £40,000 (20%) | 48 months | £70,000 (35%) | 8.9% | £2,755 |
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.
Hire Purchase amortises the whole balance, which is why it is the highest payment at £3,974 and the only row with no final payment to plan for. Lease Purchase defers £90,000 to a final balloon, taking £1,568 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 has built the Continental GT since 2003 and is now on its fourth generation, so a lender pricing one works from two decades of the same nameplate rather than from an estimate. Predictable depreciation is not a criticism of this car. It is the condition a commercial lender needs before it will commit to a residual value four years out instead of amortising the whole balance and handing you the larger figure.
The current car runs the Ultra Performance Hybrid powertrain, a 4.0-litre twin-turbo V8 with a 187 bhp electric motor for a combined 771 bhp and up to 50 miles of electric-only running. It is the most powerful road-going Bentley yet built, and it is also the first Continental GT whose resale record is not being written by a W12. That is exactly the sort of open question a guaranteed future value exists to absorb.
Commissioning is the other half of the picture. A Continental GT can leave Crewe well above its list price once a Mulliner specification, an extended paint and the upgraded audio have been added, and the used market a lender prices against buys the car rather than the order sheet. Options lift the residual value but they do not lift it pound for pound, so size the deposit against what you actually spent.
Calculate your Continental GT finance
The finance calculator below runs the same arithmetic as the tables above. Change the deposit, the term or the amount deferred and the monthly payment moves with it, so you can model the agreement you actually want on a Continental GT. Car finance on a £200,000 asset is priced on the car as much as on you.
Vehicle Config
mi
£
Lease Purchase
£
Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£2,515 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Bentley Continental GT
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £3,974 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,406 | £90,000 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £2,755 | £70,000 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 8.9% over 48 months on a 20% deposit.
Our answer on the Continental GT is Personal Contract Purchase. Personal Contract Purchase is genuinely written on a Continental GT, which is not true of most cars on this site. The lender guarantees £70,000 and carries the shortfall itself if the hybrid generation resells softly.
Lease Purchase if you already know you are keeping the car. The deferred figure becomes a £90,000 balloon that belongs to you rather than a guarantee you are paying the lender to provide, the monthly payment falls to £2,406, and anything the car is worth above that figure is yours at settlement.
If you came here looking for Bentley Continental GT 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 Continental GT: 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 Continental GT sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.
What a lender sees in the Bentley Continental GT
A commercial lender underwrites the Bentley Continental GT as an asset before it underwrites you as a borrower. The engine is where that starts: a 4.0L Twin-Turbo V8 Hybrid engine producing 771 bhp, with 3.2s 0-62mph and 208 mph, puts this car in a category a specialist lender recognises. A Continental GT at £200,000 and specified to £290,000 is also not one asset with one value, and options rarely come back at what they cost.
| Continental GT | |
|---|---|
| Engine | 4.0L Twin-Turbo V8 Hybrid |
| Power | 771 bhp |
| Torque | 1,000 Nm |
| 0-62mph | 3.2s 0-62mph |
| Top speed | 208 mph |
| Transmission | 8-speed dual-clutch |
| Drivetrain | AWD |
| List price | £200,000 |
| Specified to | £290,000 |
| Production | 2024-present |
The plug-in system is the specification detail that does the most underwriting work. A high voltage battery carries its own inspection schedule and its own warranty term, and a lender setting a figure 48 months out wants the car still inside a recognised Bentley maintenance programme when the agreement ends.
Dual-valve air suspension and all-wheel steering are standard equipment and they are also the two systems that produce the largest bills on an out-of-warranty Continental GT. A lender is pricing the probability that the car arrives at the end of the term in the condition it assumed, which is why a continuous main dealer record moves the residual value rather than the rate.
The commissioning sheet matters more here than on any other series car we finance. Without it a lender values a Continental GT at base specification because it has no evidence of what was fitted, so producing the build documentation at the start of the case is the cheapest improvement available to your figure.
Continental GT features that bear on the valuation
- 771 bhp Ultra Performance Hybrid
- Plug-in hybrid powertrain
- Up to 50 mile electric range
- All-wheel steering
- Dual-valve air suspension
What a lender wants to see on a Continental GT
- Full Bentley main dealer service history with the hybrid system inspections recorded
- The original factory or Mulliner commissioning sheet, so the options fitted can be valued rather than assumed
- Confirmation of how far the remaining warranty and service cover runs against the term
- A clear vehicle record with no outstanding finance and no recorded structural repair
- A deposit sized against the commissioned invoice rather than against the list price
Financing a used Bentley Continental GT
Almost every pre-owned Continental GT for sale today is a third-generation car, because the fourth arrived in 2024. Those cars carry the W12 or the earlier V8, and they fund well for a plain reason: a lender can see what a 2019 or a 2021 example changed hands for and does not have to model it.
Mileage is treated more generously on this car than buyers expect, because covering distance is what a grand tourer is for. Provenance is where a lender is strict. A clear vehicle record, no outstanding finance and a documented ownership chain come before the odometer in every case we take to credit.
Pre-owned cars price the same way with smaller numbers. A used Continental GT at £90,000, on the same 20% deposit and 8.9% rate, comes to £1,788 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Bentley Continental GT holds its value
The Continental GT gives up the bulk of its value early and then settles, and the second half of that sentence is what pays for the agreement. A flat curve at the four year mark is what allows a lender to guarantee anything at all, and it is why Bentley sits in the conventional residual class rather than the speculative one.
Do not price this car off the scarce Bentleys. The Mulliner Batur and the Speed Edition 12 trade on how few were built and behave nothing like a series grand tourer. A standard Continental GT was never a scarcity asset, and every advantage it holds in a finance conversation follows from that.
Bentley is one of the few marques where a lender will put its own balance sheet behind a future value. On a Continental GT that guarantee is worth more than anything you will win on rate.
Everything here about the Continental GT market is commentary on transactions that already happened, not a valuation and not a forecast. The residual value in your agreement is the lender's figure, set on the specific Bentley you are buying.
Part exchange and settlement on a Bentley Continental GT
Three things can happen at the end of a Lease Purchase term on a Bentley Continental GT, and it is worth knowing which you are planning for. You settle the £90,000 balloon and keep the car, you refinance it over a further term, or you part exchange the Continental GT and take whatever sits above the balloon as equity toward the next one.
Running a Continental GT across the term is unusually predictable. Servicing follows a published Bentley schedule, tyres and brakes wear at the rate 771 bhp through a two and a quarter tonne car implies, and the plug-in element cuts the fuel bill if you charge it and does nothing at all if you do not.
The variable that moves the total cost most is whether warranty and service cover reach the end of the agreement. On a new commission they will. On a pre-owned car it depends on the registration date and on whether the previous owner extended the cover, and it is worth settling before you fix the term.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Continental GT 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 Continental GT.
How we arrange Bentley Continental GT finance
Tell us about the car
Specification, mileage, history and where you are buying the Continental GT. On a £200,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Bentley paper, and those that do price it differently. As an independent credit broker we place the deal across a panel.
We structure the agreement
Deposit, term and the deferred amount. A 20% deposit of £40,000 over 48 months is our starting point on the Continental GT.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Continental GT agreements complete inside a week, anywhere in the United Kingdom.
Other Flying B models we finance
The Bentley Continental GT sits at £200,000 in a range we finance end to end. Either side of it are the Flying Spur at £180,000 and the Speed Edition 12 at £250,000, 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 Flying Spur, the Bentley Bentayga, 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.
Bentley Continental GT finance FAQs
On the £200,000 list price with a 20% deposit of £40,000 over 48 months at an indicative 8.9% nominal, a Continental GT is £3,974 a month on Hire Purchase, £2,406 on Lease Purchase against a £90,000 balloon, and £2,755 on Personal Contract Purchase against a guaranteed £70,000. Use the finance calculator on this page with your own deposit and term, because both move the monthly payment further than the rate does.
Yes, and it is one of the few cars on this site where that is true. PCP depends on a lender being willing to guarantee what the car will be worth at the end of the term, and it does that only where the forecast is credible. Bentley sells in volume and its specifications cluster around a recognisable set of options, so the forecast holds. On Crewe's limited-build Mulliner models no guaranteed figure is offered at all.
No, and it finances better because of it. This is a series-production grand tourer that gives up value in a pattern a lender can model, and that model is what buys you a guaranteed future value and a competitive monthly payment. The Bentleys that have held their money are the scarce ones. If capital preservation rather than driving the car is the objective, both the car and the structure need to be different, and we would say so before you commit.
20%, or £40,000 against the £200,000 list price, is our starting point and where most Continental GT agreements are written. More than that lowers the payment and widens the panel of specialist lenders willing to quote. The figure that matters more than the percentage is whether the deposit covers the difference between a commissioned invoice and the lender's valuation, because that difference decides whether the agreement opens with equity in it.
Yes, and a pre-owned car is often the sharper decision. A third-generation example has taken the steep part of its curve already, so the same deposit produces a lower payment and the residual value the lender sets rests on transactions it can see. What we need to put the case to credit is a full service history, evidence of the original specification, a clear finance and damage record and a documented ownership chain.
It affects how long a term a lender is comfortable with rather than whether it will lend at all. The high voltage battery has a defined warranty period, and a commercial lender writing sixty months on the fourth-generation car wants that cover and the service programme to reach the end of the agreement. Where they do, the longer term is available and the payment falls. Where they do not, 48 months is the sensible ceiling.
Bentley finance by structure
This page covers the Continental GT. For how each structure behaves across the Flying B range, including the models we place on it and the ones we do not, the four pages below go a level up.
Ready to finance a Bentley Continental GT?
Tell us about the car and we will come back with terms from the specialist lenders that write Bentley paper. From £2,406 a month on Lease Purchase.