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Bentley Flying Spur Finance
2019-present
771 bhp
Power
3.5s 0-62mph
Acceleration
202 mph
Top Speed
Finance from
£2,260 a month
Indicative, on Lease Purchase
List price
£180,000
Specified to £260,000
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Flying Spur finance from £2,260 a month
- £2,260
- Per month
- £36,000
- Deposit
- 771 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
20% of £180,000
4.0L Twin-Turbo V8 Hybrid
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £180,000 list price at 8.9% nominal over 48 months.
A Bentley Flying Spur is £2,260 a month on Lease Purchase over 48 months, on a 20% deposit of £36,000 against the £180,000 list price at an indicative 8.9%, with £75,600 deferred to the end. This is a four-door that gets genuinely used, often by a driver who is not the owner, and Lease Purchase gives you the lower monthly payment with no mileage condition attached to it.
Bentley Flying Spur 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 Flying Spur three ways, on a 20% deposit of £36,000 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 Flying Spur | Hire Purchase | £180,000 | £36,000 (20%) | 48 months | None | 8.9% | £3,577 |
| Bentley Flying Spur | Lease Purchase | £180,000 | £36,000 (20%) | 48 months | £75,600 (42%) | 8.9% | £2,260 |
| Bentley Flying Spur | Personal Contract Purchase | £180,000 | £36,000 (20%) | 48 months | £57,600 (32%) | 8.9% | £2,573 |
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 £3,577 and the only row with no final payment to plan for. Lease Purchase defers £75,600 to a final balloon, taking £1,317 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.
The Flying Spur has been in its current form since 2019, which gives a lender something the newer cars in this catalogue cannot offer: a used market several years deep in the exact body style it is being asked to price. Where a commercial lender can point at real transactions rather than a projection, it sets the residual value confidently, and a confident residual is what separates a competitive quote from an expensive one.
The current car shares the 771 bhp Ultra Performance Hybrid V8 with the two-door, so this is a four-door saloon that reaches 62 mph in 3.5 seconds and runs to 202 mph while carrying four people in a hand-finished cabin. For underwriting purposes that commonality helps. The powertrain now runs across Crewe's core range, so a lender is not being asked to price an orphan engine in a low-volume shell.
The commissioning gap on this car has its own shape. Rear-cabin executive specifications, the entertainment options and the more elaborate veneers add a great deal to an invoice, and they narrow the pool of buyers at the end of the term rather than widening it. A deposit that covers the distance between what you paid and what a lender will value is the answer, and it matters more on a heavily specified Flying Spur than on almost any Bentley.
Calculate your Flying Spur 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 Flying Spur. Car finance on a £180,000 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
£2,355 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Bentley Flying Spur
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £3,577 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,260 | £75,600 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £2,573 | £57,600 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 Flying Spur is Lease Purchase. It produces the lowest monthly payment of the three structures and it does not police how far the car goes. On a saloon that is frequently chauffeur-driven and covers real distance, the second point is worth more than the first.
Personal Contract Purchase, which a lender will write on this model against a guaranteed £57,600, is the better answer where the car is a personal one, the annual distance is modest and you want the right to hand it back rather than settle. You pay £2,573 a month for that right.
If you came here looking for Bentley Flying Spur 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 Flying Spur: 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 Flying Spur 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 Flying Spur
A commercial lender underwrites the Bentley Flying Spur 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 3.5s 0-62mph and 202 mph, puts this car in a category a specialist lender recognises. A Flying Spur at £180,000 and specified to £260,000 is also not one asset with one value, and options rarely come back at what they cost.
| Flying Spur | |
|---|---|
| Engine | 4.0L Twin-Turbo V8 Hybrid |
| Power | 771 bhp |
| Torque | 1,000 Nm |
| 0-62mph | 3.5s 0-62mph |
| Top speed | 202 mph |
| Transmission | 8-speed dual-clutch |
| Drivetrain | AWD |
| List price | £180,000 |
| Specified to | £260,000 |
| Production | 2019-present |
Dynamic Ride, the active anti-roll system, and the all-wheel steering are the components a lender thinks about when it prices condition at the end of a long agreement, because they are expensive to put right and they are fitted to a heavy car. A Flying Spur presented with a continuous Bentley record is underwritten on its history rather than on a worst case.
The rear cabin is where the specification questions live. A car ordered with four individual seats is a different asset from one with a rear bench, and the four-seat car sells to a narrower audience. Neither is a barrier to credit, but the lender values what it could actually resell, and that is the number the whole agreement is built on.
Business use is normal on this model and it changes the paperwork rather than the appetite. Where the car sits on a company balance sheet, a commercial lender underwrites the trading position alongside the asset, and a set of filed accounts moves a case forward faster than anything else you can send us.
Flying Spur features that bear on the valuation
- 771 bhp hybrid V8
- Rear-cabin executive specification options
- All-wheel steering
- Active anti-roll Dynamic Ride
- Up to 50 mile EV range
What a lender wants to see on a Flying Spur
- Unbroken Bentley service history, with any chauffeur or fleet operator records included
- Confirmation of the rear cabin configuration, because a four-seat car is valued separately
- Filed company accounts where the vehicle is being capitalised by a business
- A clear vehicle record with no outstanding finance registered against the car
- Documented mileage across the ownership chain rather than a single current reading
Financing a used Bentley Flying Spur
Pre-owned Flying Spurs reach us in two conditions and they price differently. There is the privately owned car with modest mileage and a full history, and there is the ex-corporate or ex-chauffeur car with a lot of motorway distance behind it. The second is not the weaker asset where the service record is unbroken, and it is usually the cheaper route into the model.
What a lender looks for on a used example is evidence rather than presentation. A documented ownership chain, no outstanding finance, a clean vehicle record and proof of the original specification are the four things that set the residual value. A car with a thin file is placed at a lower figure however good it looks in photographs.
Pre-owned cars price the same way with smaller numbers. A used Flying Spur at £75,500, on the same 20% deposit and 8.9% rate, comes to £1,500 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Bentley Flying Spur holds its value
The Flying Spur follows the pattern of the large luxury saloons before it. The first owner takes the heaviest part of the fall, and after that the car moves slowly enough that a lender is willing to look four years ahead. That is why Bentley sits on the conventional side of the residual classification on this site, and why guaranteed products get written here at all.
The nameplate is old. Bentley first used Continental Flying Spur on a car in 1957 and the modern saloon has been in production since 2005. Longevity of that kind does not make a car appreciate and nothing about the current model suggests it will. What it does is make the car legible to a lender, which is the more useful property when you are buying with credit.
A Flying Spur is bought to be used, often by someone other than the person paying for it. Structure the agreement around the miles it will actually cover, not around the lowest headline payment.
Everything here about the Flying Spur 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 Flying Spur
Three things can happen at the end of a Lease Purchase term on a Bentley Flying Spur, and it is worth knowing which you are planning for. You settle the £75,600 balloon and keep the car, you refinance it over a further term, or you part exchange the Flying Spur and take whatever sits above the balloon as equity toward the next one.
A Flying Spur that is doing a job costs real money to run and every part of it is foreseeable. Servicing to the published Bentley schedule, tyres sized for a two tonne saloon, and insurance reflecting both the value and the possibility of a named chauffeur are the three that dominate. None is a surprise and all of them belong in the budget alongside the monthly payment.
Term length should follow the intended annual distance rather than the headline figure. A car covering serious miles will be a very different proposition at the end of sixty months than at 48, and choosing the shorter agreement while the car is still inside its warranty window is usually cheaper across the whole of the term.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Flying Spur 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 Flying Spur.
How we arrange Bentley Flying Spur finance
Tell us about the car
Specification, mileage, history and where you are buying the Flying Spur. On a £180,000 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 £36,000 over 48 months is our starting point on the Flying Spur.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Flying Spur agreements complete inside a week, anywhere in the United Kingdom.
Other Flying B models we finance
The Bentley Flying Spur sits at £180,000 in a range we finance end to end. Either side of it are the Bentayga at £165,000 and the Continental GT at £200,000, 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 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 Flying Spur finance FAQs
Against the £180,000 list price with £36,000 down, 20% of the price, over 48 months at an indicative 8.9% nominal, a Flying Spur is £2,260 on Lease Purchase with £75,600 deferred, £3,577 on Hire Purchase with nothing left to settle, and £2,573 on Personal Contract Purchase. The finance calculator on this page will re-run all three against the actual price of the car you are looking at.
Yes, and a large share of the Flying Spur agreements we arrange are written for limited companies with the car capitalised on the balance sheet. Because these are unregulated commercial agreements rather than consumer credit, the lender underwrites the company alongside the asset, and filed accounts speed that up considerably. Your accountant should confirm the tax treatment before you commit, because it turns on how the car is used.
No. It changes which structure suits you rather than whether finance is available. Guaranteed products carry a distance condition and a high-mileage car will breach it, which is why we point business users at Lease Purchase or Hire Purchase instead. On those structures the mileage affects what the car is worth when you settle or part exchange, and it cannot create a charge partway through the term.
It is not an investment, and the honest version of that is the reason it funds so well. A large saloon that depreciates in a legible pattern is exactly the asset a lender is willing to forecast, and a forecast is what produces a guaranteed figure and a keener payment. Cars that appreciate are cars a lender will not guarantee, so the property people ask for is the one that makes finance harder to arrange.
It is usually the better arithmetic. A car two or three years into its life has already absorbed the heaviest part of its depreciation, so your deposit works harder and the residual value the lender commits to is measured against real transactions. What we ask for is a complete service file, evidence of the original specification, a clear finance and damage record, and a documented mileage history rather than a single reading.
They share a powertrain and diverge on use. The two-door is generally a personal car covering modest annual distance, which suits a guaranteed future value. The Flying Spur is often a working vehicle with a driver, and the same guarantee comes with conditions a working car will breach. It is not the harder car to fund, it simply belongs on a structure that does not measure how far you drive it.
Bentley finance by structure
This page covers the Flying Spur. 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 Flying Spur?
Tell us about the car and we will come back with terms from the specialist lenders that write Bentley paper. From £2,260 a month on Lease Purchase.