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Rolls-Royce Phantom Finance
2017-present
563 bhp
Power
5.3s 0-62mph
Acceleration
155 mph (limited)
Top Speed
Finance from
£4,534 a month
Indicative, on Lease Purchase
List price
£420,000
Specified to £700,000
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Phantom finance from £4,534 a month
- £4,534
- Per month
- £105,000
- Deposit
- 563 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
25% of £420,000
6.75L Twin-Turbo V12
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £420,000 list price at 9.9% nominal over 48 months.
A Rolls-Royce Phantom is £4,534 a month on Lease Purchase over 48 months, with a 25% deposit of £105,000 against the £420,000 list price at an indicative 9.9% and £201,600 deferred to the end. Goodwood is one of the few marques where a commercial lender will forecast a future value at all, and on the flagship the cheapest way to use that forecast is to carry the residual yourself rather than pay the lender to guarantee it.
Rolls-Royce Phantom 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 Phantom three ways, on a 25% deposit of £105,000 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 Phantom | Hire Purchase | £420,000 | £105,000 (25%) | 48 months | None | 9.9% | £7,974 |
| Rolls-Royce Phantom | Lease Purchase | £420,000 | £105,000 (25%) | 48 months | £201,600 (48%) | 9.9% | £4,534 |
| Rolls-Royce Phantom | Personal Contract Purchase | £420,000 | £105,000 (25%) | 48 months | £159,600 (38%) | 9.9% | £5,251 |
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 £7,974 and the only row with no final payment to plan for. Lease Purchase defers £201,600 to a final balloon, taking £3,440 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 Phantom name has crowned the range since 1925 and the eighth-generation car has been in production since 2017, with a substantial revision in 2022. A lender pricing one is therefore reading eight years of transactions in the current body and a century of the nameplate behind it. That depth is the reason Rolls-Royce sits in the conventional residual class on this site rather than among the marques nobody will commit a figure to.
Mechanically the Phantom is the easiest large asset in this catalogue to underwrite over a long agreement. The 6.75-litre twin-turbocharged V12 makes 563 bhp and 900 Nm, reaches 62 mph in 5.3 seconds and is limited to 155 mph, which means an engine working nowhere near its ceiling in a car with no performance pretensions to stress it. Lenders will write sixty months here without hesitating.
The commissioning question is larger on this car than on anything else we finance. A Phantom can leave Goodwood a very long way above its list price once a bespoke paint, commissioned Gallery artwork, marquetry and a personalised Starlight headliner are specified. Those are the buyer's choices rather than the market's, and a lender values the car the next buyer will want. The deposit is the only part of the agreement that closes that distance.
Calculate your Phantom 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 Phantom. Car finance on a £420,000 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 25% deposit over 48 months:
From
£4,534 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Rolls-Royce Phantom
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £7,974 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £4,534 | £201,600 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £5,251 | £159,600 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 25% deposit.
Our answer on the Phantom is Lease Purchase. A lender will set a Guaranteed Minimum Future Value on a Phantom, but it sets it cautiously because the first-cycle fall on a car at this price is large in absolute pounds. Lease Purchase leaves the difference between that cautious figure and what the car is actually worth in your hands.
Personal Contract Purchase at £5,251 a month against a guaranteed £159,600 is the right answer if you intend to change the car at the end of the term and want the ability to hand it back. On a vehicle at this price the lender's opinion of a value four years out is worth paying for, and PCP is how you buy it.
If you came here looking for Rolls-Royce Phantom 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 Phantom: 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 Phantom 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 Phantom
A commercial lender underwrites the Rolls-Royce Phantom 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 5.3s 0-62mph and 155 mph (limited), puts this car in a category a specialist lender recognises. A Phantom at £420,000 and specified to £700,000 is also not one asset with one value, and options rarely come back at what they cost.
| Phantom | |
|---|---|
| Engine | 6.75L Twin-Turbo V12 |
| Power | 563 bhp |
| Torque | 900 Nm |
| 0-62mph | 5.3s 0-62mph |
| Top speed | 155 mph (limited) |
| Transmission | 8-speed automatic |
| Drivetrain | RWD |
| List price | £420,000 |
| Specified to | £700,000 |
| Production | 2017-present |
Rear-wheel drive, a 155 mph limiter and an understressed V12 add up to an unusually low condition risk at the end of a term. A commercial lender is not pricing the probability of hard use on a Phantom, which is why it will extend the agreement further than it would on a comparable sum spent on a performance car.
The bespoke content has to be documented or it is not counted. Goodwood produces a full record of what was commissioned on each car, and a lender presented with that record can value the specification. Without it, the valuation defaults to a standard Phantom and the figure at the end of the agreement drops accordingly.
Coach doors, the Gallery and the interior fittings are made in small numbers rather than pulled from a parts bin, so damage takes longer and costs more to resolve than the outward similarity to other saloons suggests. A lender securing against the car will expect insurance that reflects the commissioned value and names its interest.
Phantom features that bear on the valuation
- 6.75L twin-turbo V12
- Magic Carpet Ride suspension
- Hand-finished per-commission interior
- Rear coach doors
- Starlight headliner option
What a lender wants to see on a Phantom
- The Goodwood commissioning record for this individual car, including bespoke content
- Continuous Rolls-Royce service history against the published schedule
- An ownership chain with no unexplained steps and no outstanding finance
- Insurance quoted on the commissioned value rather than the list price
- A deposit sized against the invoice actually paid rather than against the list figure
Financing a used Rolls-Royce Phantom
The arithmetic on a pre-owned Phantom is better than on almost any car on this site, precisely because the first fall is so large in cash terms. A car three or four years into its life has already absorbed the part of the curve that costs the most money, so the same deposit produces a much lower monthly payment and the residual value the lender sets rests on real transactions.
What credit wants to see on a used example is a Goodwood service record, an ownership chain with no unexplained steps, no outstanding finance and the original commissioning file. Provenance on a Phantom carries far more weight than the odometer, because these cars are not driven hard and mileage tells a lender much less about condition than the paperwork does.
Pre-owned cars price the same way with smaller numbers. A used Phantom at £201,500, on the same 25% deposit and 9.9% rate, comes to £3,826 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Rolls-Royce Phantom holds its value
The Phantom loses more money in its first cycle than anything else in this catalogue and then holds remarkably steadily, and both halves of that sentence are useful. The first says buy a car somebody else has already registered. The second is what allows a lender to look four years ahead with any confidence and is the reason a guaranteed product exists on this model at all.
Older Phantoms move very little from year to year once that first cycle is behind them, which is a comment on the flatness of the curve and not a prediction that any car will rise. Nothing we structure depends on a Phantom being worth more later, and if capital appreciation is the objective then this is the wrong asset and the wrong agreement.
The Phantom gives up more money in its first three years than anything else we finance, and then stops. Buying after that has happened is the largest single saving available on this car.
Everything here about the Phantom 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 Phantom
Three things can happen at the end of a Lease Purchase term on a Rolls-Royce Phantom, and it is worth knowing which you are planning for. You settle the £201,600 balloon and keep the car, you refinance it over a further term, or you part exchange the Phantom and take whatever sits above the balloon as equity toward the next one.
Running a Phantom across the term is expensive in the way a large hand-built car is expensive and predictable in the way a low-revving V12 is predictable. Scheduled servicing at Goodwood-appointed workshops, tyres and brakes on a car of this mass, and insurance quoted against the commissioned value rather than the list price are the three lines that matter, and all three can be established before the term is fixed.
Where the car sits against its warranty and service programme is the single fact that most changes the total cost across the agreement. On a new commission the cover runs well into the term. On a pre-owned Phantom it depends on the registration date and on whether the previous owner extended it, and the answer should decide the length of the term before the monthly payment does.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Phantom 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 Phantom.
How we arrange Rolls-Royce Phantom finance
Tell us about the car
Specification, mileage, history and where you are buying the Phantom. On a £420,000 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 25% deposit of £105,000 over 48 months is our starting point on the Phantom.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Phantom agreements complete inside a week, anywhere in the United Kingdom.
Other Spirit of Ecstasy models we finance
The Rolls-Royce Phantom sits at £420,000 in a range we finance end to end. Either side of it are the Spectre at £330,000, 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 Ghost, 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 Phantom finance FAQs
On the £420,000 list price with a 25% deposit of £105,000 over 48 months at an indicative 9.9% nominal, a Phantom is £4,534 a month on Lease Purchase with £201,600 deferred, £7,974 on Hire Purchase with nothing to settle at the end, and £5,251 on Personal Contract Purchase against a guaranteed £159,600. Use the finance calculator on this page against the actual commissioned price rather than the list figure.
Yes. Personal Contract Purchase is genuinely written on the Phantom, which is not true of most cars in this price bracket, because a commercial lender is prepared to forecast what one will be worth four years out. It sets the guaranteed figure conservatively given the size of the first-cycle fall, so the protection is real but it is not free. Whether it is worth the difference depends on whether you plan to hand the car back.
No, and the finance case is built on that. This is a series-production flagship that gives up a large sum early and then settles, and it is the settling that lets a lender commit to a residual value. The cars that appreciate are the ones nobody will guarantee a figure on, which is why they cost more to finance rather than less. We would rather set that out now than at the end of the term.
25%, or £105,000 against the £420,000 list price, is where these agreements start, and the requirement is higher than on the rest of the range because the sum at risk is larger. The number that matters more than the percentage is whether the deposit covers the gap between a commissioned invoice and the lender's valuation, since that gap is what decides whether the agreement opens with equity behind it.
Yes, and on this model it is usually the better decision. Eighth-generation cars have been on the road since 2017, so there is a real pre-owned market and a lender can price against it rather than forecast into it. For the case we need continuous service history, the commissioning file, a clear vehicle and finance record, and an ownership chain that reconciles with the recorded mileage.
It changes the valuation rather than the appetite. A lender advances against what it believes the car will be worth, and heavily personal commissioning contributes to that figure only partially, however much it added to the invoice. This is not a reason to order a plain Phantom. It is a reason to size the deposit against what you actually spent, so that the agreement is never short against the asset.
Rolls-Royce finance by structure
This page covers the Phantom. 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 Phantom?
Tell us about the car and we will come back with terms from the specialist lenders that write Rolls-Royce paper. From £4,534 a month on Lease Purchase.