Works, with a caveat
Rolls-Royce Lease Purchase Finance
Goodwood on a monthly payment, with a deferred final figure you can set against a long hold rather than a short one
Indicative monthly payment from
£2,453a month
Based on Rolls-Royce Wraith at £245,000, arranged as Lease Purchase at 9.9% nominal.
- Deposit
- £49,000
- Term
- 48
- Final payment
- £147,000
20%
months
60%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A Ghost, a Cullinan or a Phantom can be owned on a monthly payment, with a deposit at the start and an agreed balloon parked at the far end of the term. Rolls-Royce lease purchase lowers that monthly figure because the deferred amount never enters the balance you are paying down, and the car becomes yours the moment the balloon is met. Longer terms suit Goodwood particularly well.
We arrange Rolls-Royce lease purchase across 5 current and recent Rolls-Royce Motor Cars models, from the Wraith at around £245,000 to the Phantom at £420,000. 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 Rolls-Royce lease purchase 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 9.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific Rolls-Royce, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Rolls-Royce lease purchase is set once a lender has seen both.
The table prices the Rolls-Royce Phantom, then the Spectre and Cullinan. 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 |
|---|---|---|---|---|---|---|
| Rolls-Royce Phantom | £420,000 | £105,000 (25%) | 48 months | £222,600 (53%) | 9.9% | £4,176 |
| Rolls-Royce Spectre | £330,000 | £66,000 (20%) | 48 months | £165,000 (50%) | 9.9% | £3,867 |
| Rolls-Royce Cullinan | £300,000 | £60,000 (20%) | 48 months | £165,000 (55%) | 9.9% | £3,260 |
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.
Rolls-Royce lease purchase 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
£
Lease Purchase
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Goodwood models we place on Rolls-Royce lease purchase
We arrange Rolls-Royce lease purchase across the Rolls-Royce Motor Cars 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 Rolls-Royce 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 Rolls-Royce Cullinan, the Wraith suit Rolls-Royce lease purchase. The Phantom, Ghost and Spectre do not, for the residual reason set out further down. Prices below are list, and a pre-owned Cullinan is arranged on the same panel as a new one.
| Model | List from | Suits lease purchase | Why |
|---|---|---|---|
| Phantom | £420,000 | No | You carry the residual on a falling asset |
| Ghost | £275,000 | No | You carry the residual on a falling asset |
| Cullinan | £300,000 | Yes | You keep the appreciation above the balloon |
| Spectre | £330,000 | No | You carry the residual on a falling asset |
| Wraith | £245,000 | Yes | You keep the appreciation above the balloon |
Rolls-Royce
Phantom Finance
From £420,000563 bhp
Rolls-Royce
Spectre Finance
From £330,000577 bhp
Rolls-Royce
Cullinan Finance
From £300,000600 bhp
Rolls-Royce
Ghost Finance
From £275,000563 bhp
Rolls-Royce
Wraith Finance
From £245,000624 bhp
Each card opens the model page, where you can model Rolls-Royce lease purchase financing against that specific vehicle.
Rolls-Royce lease purchase deposit, term and balloon
Rolls-Royce lease purchase is built from three numbers. A deposit, typically 20% on a Rolls-Royce Motor Cars car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And a agreed final balloon 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 Rolls-Royce 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 Rolls-Royce sits inside the wider luxury car finance, classic car finance and prestige car finance market we work across.
Interest rates on a lease purchase agreement move with the term, the deposit and your credit profile, and financing a classic Rolls-Royce runs on the same agreement as a current one.
- £280,000 to £5,000,000
- Rolls-Royce deal range
- 2 of 5
- Models suited to lease purchase
- 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 9.9% nominal
Why Rolls-Royce finance at this level goes through a panel
Rolls-Royce 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 Rolls-Royce lease purchase goes to the lenders on our panel that genuinely write against Rolls-Royce Motor Cars cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Rolls-Royce finance figure on this page is computed from a real list price in our catalogue, from the Wraith up to the Phantom, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing a Rolls-Royce Motor Cars car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Rolls-Royce car finance, luxury car finance, classic car finance and prestige car finance, or simply a monthly payment on a Wraith, 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 Rolls-Royce that a dealer finance desk does not
- Place Rolls-Royce lease purchase across a panel rather than with one lender, so a decline on a Rolls-Royce starts the conversation rather than ending it
- Price new, pre-owned and classic Rolls-Royce cars on the same panel, including a Wraith bought privately or a Phantom bought at auction
- Structure around Rolls-Royce Motor Cars 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 Rolls-Royce better, even where it is the one we place less often
How Rolls-Royce Motor Cars residuals decide the balloon you agree
A Phantom leaving Goodwood at £420,000 and a Phantom at three years old are separated by a sum that surprises people even when they were expecting it. That is a function of price rather than of the car: the percentage is not far from the luxury-saloon norm, but the percentage of £420,000 is a large number. Past that first cycle the curve flattens hard, and eight-year-old Phantoms move very little year to year.
The Ghost and the Cullinan behave better through the first cycle, the Cullinan best of all, because the demand for a Rolls-Royce sized SUV outruns the number Goodwood makes. The Spectre is the open question in the range. It is the marque's first electric car, and every marque's first electric car has been its softest residual performer so far, so a lender setting a figure on one is guessing more than it would like to.
Bespoke commissions and coachbuild cars are not part of this discussion. They are valued individually and financed individually.
Rolls-Royce takes the largest first-owner depreciation of any marque here in absolute pounds, and then holds unusually steadily.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Cullinan, Wraith | 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 | Phantom, Spectre, Ghost | 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 Rolls-Royce: Available on Ghost, Cullinan and Wraith. Set cautiously on Phantom given the size of the first-cycle drop, and cautiously on Spectre for want of history.
Rolls-Royce lease purchase against the other three structures
The four finance options are not interchangeable on a Rolls-Royce, 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 Rolls-Royce you already hold.
- Works, with a caveat
Rolls-Royce Personal Contract Purchase
PCP is written across the Goodwood range, and it matters most on the Phantom, where the first-owner drop is the largest absolute sum in this catalogue.
- Works, with a caveat
Rolls-Royce Hire Purchase
Hire purchase is the structure for the Rolls-Royce that is going to be kept, and Goodwood produces more of those than any other marque on this site.
You are here
Rolls-Royce Lease Purchase
Works, with a caveatLease purchase suits a Rolls-Royce buyer who intends to keep the car for a decade and suits nobody who might want out at four years, because the Phantom's first-cycle drop is the largest absolute sum in this catalogue and on this structure it is yours.
- Works, with a caveat
Rolls-Royce Equity Release
Equity release on a Rolls-Royce works once the first cycle has flattened, and on the coachbuild cars it works from the day they are delivered.
Ratings are our own view of how each structure behaves on Rolls-Royce, based on the residual evidence above rather than on which product is easiest to place.
Where lease purchase stops working on a Goodwood car
A Phantom leaving Goodwood at £420,000 and a Phantom at three years old are separated by a figure that surprises people even when they expected it. The percentage is ordinary; the percentage of £420,000 is not. Lease purchase asks you to agree what the car will be worth and then be right about it. Where that works is on the long view: past the first cycle the curve flattens hard, eight-year-old Phantoms move very little, and a buyer keeping the car through both phases is not exposed to the part that hurts.
The Cullinan is the easiest car in the range to hold this way, because demand for a Rolls-Royce sized SUV outruns what Goodwood builds and the residual you are carrying is the firmest in the range. The Spectre is the hardest. It is the marque's first electric car, every marque's first electric car has been its softest residual performer, and agreeing your own balloon on one means taking a position a lender is not confident enough to take. Coachbuild cars sit outside all of this and are financed individually.
Four-year terms and Goodwood cars do not sit well together on this structure. If the balloon falls due while the car is still in the steep part of its first cycle, you are settling a figure agreed before the fall against a car that has already taken it. Either lengthen the term past the flattening point or let a lender carry the drop instead.
If that is your position, Personal Contract Purchase is worth putting alongside this one before you decide.
Worth putting alongside this one
Rolls-Royce Personal Contract Purchase
On a Phantom or a Spectre held for a single cycle, a guaranteed figure moves the largest absolute depreciation on this site off your side of the agreement and onto the lender's, which is precisely what it exists to do.
Related Reading
Rolls-Royce lease purchase FAQs
Rolls-Royce Wraith at £245,000 works out at roughly £2,453 a month on Lease Purchase, with £49,000 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £147,000 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.
We would be cautious. The Spectre is Goodwood's first electric car and there is no used-market history to work from, which is why lenders set guaranteed figures on it conservatively. On lease purchase there is no lender view to hide behind: the balloon is what you agree, and if early electric luxury cars behave the way early electric cars generally have, the shortfall is yours to fund.
Longer than you would choose on most marques. Goodwood cars take their depreciation early and then hold, so a balloon falling due at four years lands at the worst possible moment. Stretching the term so the final payment arrives after the curve has flattened materially reduces the risk you are carrying. It costs more in interest across the agreement, and on this marque that is usually money well spent.
Yes, but individually rather than by model. A coachbuilt car is valued on its own merits, so there is no residual class to price it against and no guaranteed figure available. Lease purchase and hire purchase are the structures that reach these cars, with the credit decision resting on an appraisal, the commission documentation and your position. Expect the process to take longer than a Cullinan and to need more paperwork.
You settle it and the car becomes yours outright. That is the point of the structure and it is the natural fit for a Wraith, which sits past the steep part of its curve and moves comparatively little year to year. Settle in cash if you have it, or refinance the balloon against the car if you would rather keep the capital working elsewhere.