Works, with a caveat
Rolls-Royce PCP Finance
Goodwood cars on a monthly payment, with the first-cycle drop fixed by the lender rather than discovered by you
Indicative monthly payment from
£2,662a month
Based on Rolls-Royce Wraith at £245,000, arranged as Personal Contract Purchase at 9.9% nominal.
- Deposit
- £49,000
- Term
- 48
- Final payment
- £134,750
20%
months
55%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
Take a Ghost, a Cullinan or a Phantom on a monthly payment and hand the biggest number in the deal to the lender. Rolls-Royce PCP sets the deposit and the four-year term at the outset, then leaves a guaranteed minimum future value to absorb what Goodwood's first ownership cycle costs. On a Phantom that single number is the whole argument.
We arrange Rolls-Royce PCP 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 PCP 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 PCP is set once a lender has seen both.
The table prices the Rolls-Royce Phantom, then the Spectre and Ghost. 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 | £201,600 (48%) | 9.9% | £4,534 |
| Rolls-Royce Spectre | £330,000 | £66,000 (20%) | 48 months | £148,500 (45%) | 9.9% | £4,149 |
| Rolls-Royce Ghost | £275,000 | £55,000 (20%) | 48 months | £123,750 (45%) | 9.9% | £3,457 |
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 PCP 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
£
Personal Contract 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 PCP
We arrange Rolls-Royce PCP 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 Phantom, the Ghost and Spectre suit Rolls-Royce PCP. The Cullinan and Wraith do not, for the residual reason set out further down. Prices below are list, and a pre-owned Phantom is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| Phantom | £420,000 | Yes | Forecastable residual, guaranteed figure available |
| Ghost | £275,000 | Yes | Forecastable residual, guaranteed figure available |
| Cullinan | £300,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Spectre | £330,000 | Yes | Forecastable residual, guaranteed figure available |
| Wraith | £245,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
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 PCP financing against that specific vehicle.
Rolls-Royce PCP deposit, term and balloon
Rolls-Royce PCP 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 guaranteed minimum future value 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.
Our specialists place Rolls-Royce PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and a Rolls-Royce decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £280,000 to £5,000,000
- Rolls-Royce deal range
- 3 of 5
- Models suited to PCP
- 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 arrange Rolls-Royce finance with a specialist broker
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 PCP 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 PCP 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 set the guaranteed future value
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 PCP 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.
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Rolls-Royce Personal Contract Purchase
Works, with a caveatPCP 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.
- Works, with a caveat
Rolls-Royce Lease Purchase
Lease 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 PCP stops working on a Goodwood car
A Phantom leaving Goodwood and a Phantom at three years old are separated by a figure that surprises people even when they were expecting it. The percentage is not far from the luxury-saloon norm; it is the percentage of £420,000 that does the damage. Fixing that exposure at the outset, with a lender guaranteeing what the car will be worth, is the most useful thing PCP does on this marque.
The Ghost and the Cullinan are easier propositions. The Cullinan in particular holds better than anything else Goodwood makes, because demand for a Rolls-Royce sized SUV outruns the number built, and the guaranteed figures reflect that. The Spectre is the open question. It is the marque's first electric car, every marque's first electric car has been its softest residual performer, and a lender setting a figure on one is working with less to go on than it would like.
Bespoke commissions and coachbuild cars are not part of this. A Droptail or a Sweptail is valued individually and financed individually, and no guaranteed future value applies. Nor does the product reach the historic Rolls-Royce market, where cars are appraised car by car rather than by model.
Related Reading
Rolls-Royce PCP finance FAQs
Rolls-Royce Wraith at £245,000 works out at roughly £2,662 a month on Personal Contract Purchase, with £49,000 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £134,750 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.
This is the car on which it makes the most difference. The Phantom takes the largest first-cycle depreciation in absolute pounds of anything on this site, and a guaranteed minimum future value moves that exposure to the lender. If you plan to keep the car for decades the argument weakens, because the curve flattens hard after the first cycle and you would be paying to insure against a fall you intend to sit through.
Cautiously. It is Goodwood's first electric car and there is no used-market history to work from, so underwriters set the figure conservatively and revisit it as data arrives. That produces a higher monthly payment than the equivalent Ghost, and it also means the option to hand the car back is worth more than usual.
Not in proportion to its cost. Bespoke work makes a car more desirable and easier to place, but a guaranteed figure is set from comparable transactions and there are few true comparables for a heavily commissioned car. Assume the commission is bought for your own enjoyment rather than as a contribution to the exit price.
Yes, and most of the ones we arrange are. Every agreement we place above £25,000 is unregulated commercial finance, which is the natural home for a company purchase. The benefit-in-kind position on a car at this value is significant and needs your accountant's view before the structure is fixed, not after.