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Bentley Speed Edition 12 Finance
2024
650 bhp
Power
3.5s 0-62mph
Acceleration
208 mph
Top Speed
Finance from
£1,826 a month
Indicative, on Lease Purchase
List price
£250,000
Specified to £320,000
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Speed Edition 12 finance from £1,826 a month
- £1,826
- Per month
- £62,500
- Deposit
- 650 bhp
- Power
- 8.9%
- Indicative rate
Lease Purchase, 48 months
25% of £250,000
6.0L Twin-Turbo W12
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £250,000 list price at 8.9% nominal over 48 months.
A Speed Edition 12 is £1,826 a month on Lease Purchase over 48 months, on a 25% deposit of £62,500 against the £250,000 list price at an indicative 8.9%, with £162,500 deferred to the end. One hundred and twenty cars were built to close Bentley's W12 era, and a lender is comfortable deferring a large share of the price on a run that size.
Bentley Speed Edition 12 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 Speed Edition 12 three ways, on a 25% deposit of £62,500 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 Speed Edition 12 | Hire Purchase | £250,000 | £62,500 (25%) | 48 months | None | 8.9% | £4,657 |
| Bentley Speed Edition 12 | Lease Purchase | £250,000 | £62,500 (25%) | 48 months | £162,500 (65%) | 8.9% | £1,826 |
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 £4,657 and the only row with no final payment to plan for. Lease Purchase defers £162,500 to a final balloon, taking £2,831 a month off. There is no Personal Contract Purchase row, and its absence is the useful information: straightforward on Continental GT, Flying Spur and Bentayga. Declined on Mulliner Batur and Speed Edition 12.
One hundred and twenty cars is the fact a lender starts from. The Speed Edition 12 was a commemorative run marking the end of twenty years of W12 production at Crewe, with the line concluding in mid-2024 as the model moved to V8 hybrid power. A run of that size is small enough to matter to values and large enough that comparable transactions exist, which is a more comfortable position for credit than a single-figure build.
The car is the final specification of the Speed powertrain, a 6.0-litre twin-turbo W12 producing 650 bhp and 900 Nm, 62 mph in 3.5 seconds and 208 mph, wrapped in a Mulliner-curated specification with edition badging inside and out. Every one of those elements is documented from the factory, and documentation of that kind is what allows a lender to treat the car as an edition rather than as an optioned series model.
That distinction is worth real money in the agreement. An ordinary car with a long options list carries a gap between its invoice and its valuation. An edition car with a build number does not carry that gap in the same way, because the specification defines the model rather than being added to it. Bring the edition documentation and the lender is valuing the right asset from the start.
Calculate your Speed Edition 12 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 Speed Edition 12. Car finance on a £250,000 asset is priced on the car as much as on you.
Vehicle Config
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£
Lease Purchase
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Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 25% deposit over 48 months:
From
£1,973 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Bentley Speed Edition 12
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £4,657 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £1,826 | £162,500 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | Not written | No GMFV set | Not applicable | A lender will not guarantee a future value on this car |
Computed at 8.9% over 48 months on a 25% deposit.
Our answer on the Speed Edition 12 is Lease Purchase. Deferring £162,500 to the end of the term holds the monthly payment at £1,826 on a car the market is unlikely to treat as an ordinary used Bentley, and you keep whatever it proves to be worth above that figure.
Hire Purchase at £4,657 a month if you want the car clear at the end with nothing to settle. On a final-edition model a buyer is likely to keep rather than cycle, paying the higher monthly figure and owning it outright is a defensible choice rather than a wasteful one.
If you came here looking for Bentley Speed Edition 12 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 Speed Edition 12: 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 Speed Edition 12 sits inside that position as a limited-build car whose market has already decided it is worth keeping.
What a lender sees in the Bentley Speed Edition 12
A commercial lender underwrites the Bentley Speed Edition 12 as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.0L Twin-Turbo W12 engine producing 650 bhp, with 3.5s 0-62mph and 208 mph, puts this car in a category a specialist lender recognises. A Speed Edition 12 at £250,000 and specified to £320,000 is also not one asset with one value, and options rarely come back at what they cost.
| Speed Edition 12 | |
|---|---|
| Engine | 6.0L Twin-Turbo W12 |
| Power | 650 bhp |
| Torque | 900 Nm |
| 0-62mph | 3.5s 0-62mph |
| Top speed | 208 mph |
| Transmission | 8-speed dual-clutch |
| Drivetrain | AWD |
| List price | £250,000 |
| Specified to | £320,000 |
| Production | 2024 |
The W12 is the underwriting subject. It is a hand-assembled engine at the end of its production life, and a lender writing 48 months will think about the specialist network available to maintain it toward the end of the agreement. Cars presented with Bentley main dealer history and a clear record of the major services are materially easier to place than those carrying independent invoices alone.
Edition identity has to be evidenced. A lender needs the documentation confirming this car as one of the 120, because the difference between an Edition 12 and a well-specified Continental GT Speed of the same year is substantial in valuation terms and invisible in a photograph. That paperwork is the first thing we ask a client to produce.
Delivery mileage cars will be common in this run and they carry their own consideration. A commercial lender is content with a car that has barely moved, but it will want the storage and service position documented, because an asset that has been laid up carries condition risk that an actively used one does not.
Speed Edition 12 features that bear on the valuation
- 120-unit limited run
- Final-edition W12 powertrain
- Mulliner specification
- Unique exterior and interior badging
- Hand-built in Crewe
What a lender wants to see on a Speed Edition 12
- Factory documentation confirming the car as one of the 120-unit Edition 12 run
- Bentley main dealer service history covering the W12 major service intervals
- The Mulliner specification record for this individual car
- Evidence of storage and maintenance where the car is a low-mileage example
- Clear title, no outstanding finance and an unbroken ownership chain
Financing a used Bentley Speed Edition 12
Financing a pre-owned Speed Edition 12 is straightforward provided the car is properly identified. The relevant comparison for a lender is other cars from the same run rather than the wider Continental range, and where those transactions can be pointed at the valuation follows quickly. A car presented without edition documentation will be valued as a standard model, which is a costly outcome that paperwork prevents.
Because the run is recent, most of these cars remain inside their original warranty and service programme, which keeps them simple to fund. A lender wants the same four things it wants on any Crewe car: a clear vehicle record, no outstanding finance, an unbroken ownership chain, and a service file that matches the mileage on the clock.
Pre-owned cars price the same way with smaller numbers. A used Speed Edition 12 at £162,500, on the same 25% deposit and 8.9% rate, comes to £3,027 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Bentley Speed Edition 12 holds its value
Run-out editions have a long history of being regarded more highly once the model line has moved on than while the run was being sold, and this one sits at the end of a twenty year engine programme rather than merely at the end of a model cycle. That is a reason to expect it to behave differently from a series Continental, and we would put it no more strongly than that.
The Bentley residual dossier on this site places the Edition 12 outside the marque's conventional position alongside the Batur, and that classification is what drives the structure recommended above. It is a statement about scarcity rather than a prediction of price, and no part of the agreement we arrange depends on the car being worth more later.
The Speed Edition 12 is the last of the W12s, and the documentation that proves it is worth more to your finance agreement than any option ever fitted to a Continental.
Everything here about the Speed Edition 12 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 Speed Edition 12
Three things can happen at the end of a Lease Purchase term on a Bentley Speed Edition 12, and it is worth knowing which you are planning for. You settle the £162,500 balloon and keep the car, you refinance it over a further term, or you part exchange the Speed Edition 12 and take whatever sits above the balloon as equity toward the next one.
Running costs sit where a 650 bhp W12 grand tourer puts them. Fuel consumption is the obvious one, servicing a twelve-cylinder engine costs more than the V8 that replaced it, and insurance should be quoted on an agreed-value basis given the size of the run. All of it is foreseeable, and all of it should be priced before the term is set rather than discovered inside it.
The question that most affects total cost across the agreement is whether the car stays inside Bentley's warranty and service cover for the whole 48 months. Cars from a 2024 run frequently can, with the cover extended, and where that is arranged the ownership cost during the term is modest relative to the payment.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Speed Edition 12 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 Speed Edition 12.
How we arrange Bentley Speed Edition 12 finance
Tell us about the car
Specification, mileage, history and where you are buying the Speed Edition 12. On a £250,000 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 25% deposit of £62,500 over 48 months is our starting point on the Speed Edition 12.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Speed Edition 12 agreements complete inside a week, anywhere in the United Kingdom.
Other Flying B models we finance
The Bentley Speed Edition 12 sits at £250,000 in a range we finance end to end. Either side of it are the Continental GT at £200,000 and the Mulliner Batur at £1,650,000, 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 Bentayga and the Bentley Mulliner Batur, each with its own page and payment table, because a lender does not price a range, it prices a car.
Bentley Speed Edition 12 finance FAQs
On the £250,000 list price with £62,500 down, 25% of the price, over 48 months at an indicative 8.9% nominal, the Speed Edition 12 is £1,826 a month on Lease Purchase with £162,500 deferred, or £4,657 on Hire Purchase with nothing outstanding at the end. Edition cars rarely transact at list, so run the finance calculator on this page against the price actually being asked.
A guaranteed minimum future value is a lender's promise about a price four years away, and a lender makes that promise only where enough comparable cars change hands for it to model the number. A run of 120 does not produce that evidence. It is not a judgement on the car, and in fact the scarcity that removes the guarantee is the same scarcity that makes a lender relaxed about a large deferred balance.
Through the factory build documentation identifying the car within the 120-unit run, together with the Mulliner specification record and the original delivery paperwork. This matters commercially rather than academically. Without it a lender values the car as a Continental GT Speed with options, and the distance between those two valuations is the distance between the agreement you wanted and the one you are offered.
No, but it is underwritten slightly differently. A lender is comfortable with a car that has barely been driven and will ask how it has been stored and whether scheduled servicing was carried out on time regardless of the mileage. Cars laid up without that discipline carry condition risk. Provide the storage and service position up front and a low-mileage example places as easily as a used one.
Yes. These are unregulated commercial agreements, so a limited company can take the agreement and capitalise the car, with the lender underwriting the trading position alongside the asset. We act as the credit broker and not as the lender, and we are not authorised by the Financial Conduct Authority. Your accountant should confirm how the vehicle is treated before the agreement is signed.
You settle it, refinance it, or cover it by selling or part exchanging the car, and that choice is yours to make at the time rather than one you commit to now. On an edition car most of our clients refinance the deferred figure and keep the vehicle, because the reason for buying a 120-unit W12 was rarely to hand it back after 48 months.
Bentley finance by structure
This page covers the Speed Edition 12. 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 Speed Edition 12?
Tell us about the car and we will come back with terms from the specialist lenders that write Bentley paper. From £1,826 a month on Lease Purchase.