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Rolls-Royce Ghost Finance
2020-present
563 bhp
Power
4.8s 0-62mph
Acceleration
155 mph (limited)
Top Speed
Finance from
£3,457 a month
Indicative, on Lease Purchase
List price
£275,000
Specified to £420,000
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Ghost finance from £3,457 a month
- £3,457
- Per month
- £55,000
- Deposit
- 563 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £275,000
6.75L Twin-Turbo V12
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £275,000 list price at 9.9% nominal over 48 months.
A Rolls-Royce Ghost is £3,927 a month on Personal Contract Purchase over 48 months, on a 20% deposit of £55,000 against the £275,000 list price at an indicative 9.9%, with the lender guaranteeing £96,250 at the end. The Ghost is the best-selling car Goodwood makes, which is exactly why a commercial lender is willing to stand behind a future value on it, and that guarantee is the most valuable thing in the agreement.
Rolls-Royce Ghost 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 Rolls-Royce Ghost three ways, on a 20% deposit of £55,000 over 48 months at an indicative 9.9% 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 |
|---|---|---|---|---|---|---|---|
| Rolls-Royce Ghost | Hire Purchase | £275,000 | £55,000 (20%) | 48 months | None | 9.9% | £5,569 |
| Rolls-Royce Ghost | Lease Purchase | £275,000 | £55,000 (20%) | 48 months | £123,750 (45%) | 9.9% | £3,457 |
| Rolls-Royce Ghost | Personal Contract Purchase | £275,000 | £55,000 (20%) | 48 months | £96,250 (35%) | 9.9% | £3,927 |
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 £5,569 and the only row with no final payment to plan for. Lease Purchase defers £123,750 to a final balloon, taking £2,112 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.
Volume is what makes a guarantee possible, and the Ghost supplies it. Reintroduced in 2009 and fully redesigned for 2020, it is the model Goodwood sells most of, which gives a lender a genuine body of transactions to price against instead of a projection. A lender that can forecast will commit to a residual value, and a lender that commits to a residual value quotes a lower monthly payment than one amortising the entire balance.
The second-generation car rides on the aluminium Architecture of Luxury with all-wheel drive, all-wheel steering and the Planar suspension system, driven by the 6.75-litre twin-turbo V12 producing 563 bhp and 850 Nm for 62 mph in 4.8 seconds. All-wheel drive matters more to underwriting than the acceleration does. It widens the used buyer pool in a market where a rear-driven luxury saloon is a harder sell in winter, and a wider pool is a firmer residual.
Where the Ghost differs from the flagship is what commissioning does to it. This is a deliberately restrained design and the used market rewards restraint on it, so a car ordered with a coherent colour and hide combination and the illuminated Pantheon grille tends to be an easier asset than one commissioned to an extremely personal brief. That is a resale observation rather than a rule, but the lender's valuation reflects it.
Calculate your Ghost 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 Ghost. Car finance on a £275,000 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
£3,457 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Rolls-Royce Ghost
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £5,569 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £3,457 | £123,750 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £3,927 | £96,250 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the Ghost is Personal Contract Purchase. The Ghost is the Rolls-Royce a lender knows best, so the guaranteed figure it will commit to is firmer here than anywhere else in the range, and most owners of this model change it on a cycle rather than keep it.
Lease Purchase at £3,457 a month, deferring £123,750, is better if you already know the car is staying. You carry the residual and keep any value above the deferred figure, which on a model with a market this liquid is a reasonable risk to hold yourself.
If you came here looking for Rolls-Royce Ghost 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 Ghost: 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.
Rolls-Royce takes the largest first-owner depreciation of any marque here in absolute pounds, and then holds unusually steadily. The Rolls-Royce Ghost 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 Rolls-Royce Ghost
A commercial lender underwrites the Rolls-Royce Ghost as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.75L Twin-Turbo V12 engine producing 563 bhp, with 4.8s 0-62mph and 155 mph (limited), puts this car in a category a specialist lender recognises. A Ghost at £275,000 and specified to £420,000 is also not one asset with one value, and options rarely come back at what they cost.
| Ghost | |
|---|---|
| Engine | 6.75L Twin-Turbo V12 |
| Power | 563 bhp |
| Torque | 850 Nm |
| 0-62mph | 4.8s 0-62mph |
| Top speed | 155 mph (limited) |
| Transmission | 8-speed automatic |
| Drivetrain | AWD |
| List price | £275,000 |
| Specified to | £420,000 |
| Production | 2020-present |
The Planar suspension system and rear-axle steering are the two systems that define how this car drives and they are also the two a lender considers when it prices condition at the end of a long agreement. A full Rolls-Royce service record means the agreement is underwritten on what actually happened to the car rather than on a cautious assumption about what might have.
Specification evidence is straightforward on a Ghost and it should be produced anyway. The hand-commissioning programme records what was ordered, and a lender that can see the record values the hides, the veneers and the headliner properly. A car offered without that record is valued as a standard example, which costs more than the effort of finding the paperwork.
Business ownership is common on this model and it changes what credit asks for rather than whether it will lend. Where the Ghost is being capitalised by a limited company, the lender underwrites the trading position alongside the vehicle, and filed accounts submitted at the outset shorten the process considerably.
Ghost features that bear on the valuation
- Planar Suspension System
- All-wheel drive and all-wheel steering
- Whisper-quiet cabin design
- Illuminated Pantheon grille
- Hand-commissioning programme
What a lender wants to see on a Ghost
- Confirmation of which generation the car is, since the 2020 model is a different platform
- Continuous Rolls-Royce service history with the suspension and steering work recorded
- The hand-commissioning record showing hides, veneers and headliner specification
- Filed company accounts where the car is being capitalised by a business
- A clear vehicle record with no outstanding finance and mileage consistent with the file
Financing a used Rolls-Royce Ghost
There is a proper pre-owned Ghost market covering both generations, and the distinction between them is the first thing to establish because the 2020 car is a different vehicle on a different platform. Within the current generation a lender is pricing against a busy market, which is why the residual value it will commit to on a used car is unusually firm for something at this price.
A used Ghost is assessed on its file. Continuous service history, a documented ownership chain, no outstanding finance and a clean vehicle record are the four items that decide the number, with mileage read against that history rather than on its own. A well-kept car with real distance behind it places more easily than a low-mileage car with an unexplained gap.
Pre-owned cars price the same way with smaller numbers. A used Ghost at £124,000, on the same 20% deposit and 9.9% rate, comes to £2,511 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Rolls-Royce Ghost holds its value
The Ghost moves through its first cycle more gently than the flagship does, because it starts from a lower price and sells to a wider audience. That is the whole reason a lender treats it as the marque's most straightforward asset, and it is why the guaranteed figure available on this model is set with less caution than the one available on the car above it in the range.
None of that makes the Ghost an appreciating asset and it has never behaved like one. It is a series-production luxury saloon whose value falls in a legible pattern, and legibility is the property that buys you a competitive payment. The cars in this market that hold their money are the ones a lender will not guarantee, which is a trade most Ghost buyers are glad not to make.
The Ghost is the one Rolls-Royce a lender will price without hesitating, and that confidence reaches you as a firmer guaranteed figure rather than as a discount anybody had to negotiate.
Everything here about the Ghost 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 Rolls-Royce you are buying.
Part exchange and settlement on a Rolls-Royce Ghost
Three things can happen at the end of a Lease Purchase term on a Rolls-Royce Ghost, and it is worth knowing which you are planning for. You settle the £123,750 balloon and keep the car, you refinance it over a further term, or you part exchange the Ghost and take whatever sits above the balloon as equity toward the next one.
Servicing follows a published Rolls-Royce schedule and the V12 is long-lived, so the running cost across the term is high in absolute terms and low in variance. Tyres, brakes and insurance on a two and a half tonne saloon are the recurring lines, and a specialist can quote all of them accurately before you commit to a term length.
The practical question on term length is whether the manufacturer warranty and service cover will still be in force at the end of the agreement, because a Ghost inside cover is a cheaper car to own than the same Ghost outside it. On a new commission that is straightforward. On a pre-owned car it should be established before the term is set rather than after.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Ghost 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 Ghost.
How we arrange Rolls-Royce Ghost finance
Tell us about the car
Specification, mileage, history and where you are buying the Ghost. On a £275,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Rolls-Royce 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 £55,000 over 48 months is our starting point on the Ghost.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Ghost agreements complete inside a week, anywhere in the United Kingdom.
Other Spirit of Ecstasy models we finance
The Rolls-Royce Ghost sits at £275,000 in a range we finance end to end. Either side of it are the Wraith at £245,000 and the Cullinan at £300,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other Rolls-Royce cars we arrange finance deals on are the Rolls-Royce Phantom, the Rolls-Royce Cullinan, the Rolls-Royce Spectre and the Rolls-Royce Wraith, each with its own page and payment table, because a lender does not price a range, it prices a car.
Rolls-Royce Ghost finance FAQs
With £55,000 down, 20% of the £275,000 list price, over 48 months at an indicative 9.9% nominal, a Ghost is £3,927 a month on Personal Contract Purchase against a guaranteed £96,250, £3,457 on Lease Purchase against a £123,750 balloon, and £5,569 on Hire Purchase. Change the deposit or the term in the finance calculator on this page and all three recompute against the same figures.
Yes, and this is the model where it is most readily written. A guaranteed minimum future value depends on the lender being able to forecast a price, and the Ghost gives it more evidence to forecast from than any other car Goodwood builds. The guarantee is set below the lender's own expectation because it carries the shortfall, and it comes with conditions on annual distance and condition that are worth reading before you sign.
20% of the price, £55,000 against a £275,000 list, is our starting point and where most Ghost agreements are written. Putting down more lowers the payment and broadens the panel of specialist lenders prepared to quote. On this model the deposit is rarely the obstacle, because the asset itself does most of the work of persuading a lender, which is not something we can say across the whole range.
It is not, and that is the reason it funds so well. A car that depreciates in a pattern a lender can model is a car a lender will guarantee a figure on, and that guarantee is worth more to your monthly payment than any theoretical appreciation. If you want an asset that holds its money, the structures available narrow sharply and the cost of credit rises. We would rather explain that in advance.
Yes, and a used car is often the more efficient way in. The steepest part of the fall is behind a three year old example, so your deposit buys a lower payment and the residual value rests on transactions the lender can see. Establish first whether the car is the current generation or the earlier one, then produce the service file, the commissioning record and a clear finance and damage history.
The Ghost sells in greater numbers and starts from a lower price, so the lender has more evidence and less money at risk. Both of those show up in the terms: a smaller deposit requirement and a guaranteed figure set with less caution. The Phantom is not a difficult car to fund, it simply asks more of the deposit. If the monthly payment is the constraint, the Ghost is the easier answer.
Rolls-Royce finance by structure
This page covers the Ghost. For how each structure behaves across the Spirit of Ecstasy 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 Rolls-Royce Ghost?
Tell us about the car and we will come back with terms from the specialist lenders that write Rolls-Royce paper. From £3,457 a month on Lease Purchase.