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Rolls-Royce Wraith Finance
2013-2023
624 bhp
Power
4.4s 0-62mph
Acceleration
155 mph (limited)
Top Speed
Finance from
£2,662 a month
Indicative, on Lease Purchase
List price
£245,000
Specified to £380,000
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Wraith finance from £2,662 a month
- £2,662
- Per month
- £49,000
- Deposit
- 624 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £245,000
6.6L Twin-Turbo V12
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £245,000 list price at 9.9% nominal over 48 months.
A Rolls-Royce Wraith is £4,962 a month on Hire Purchase over 48 months, on a 20% deposit of £49,000 against the £245,000 list price at an indicative 9.9%, and at the end of it you own the car with nothing outstanding. Production finished in 2023, the steepest part of the fall has already happened, and Hire Purchase is the structure that suits a finished V12 coupe most people buy in order to keep.
Rolls-Royce Wraith 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 Wraith three ways, on a 20% deposit of £49,000 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 Wraith | Hire Purchase | £245,000 | £49,000 (20%) | 48 months | None | 9.9% | £4,962 |
| Rolls-Royce Wraith | Lease Purchase | £245,000 | £49,000 (20%) | 48 months | £134,750 (55%) | 9.9% | £2,662 |
| Rolls-Royce Wraith | Personal Contract Purchase | £245,000 | £49,000 (20%) | 48 months | £110,250 (45%) | 9.9% | £3,080 |
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 £4,962 and the only row with no final payment to plan for. Lease Purchase defers £134,750 to a final balloon, taking £2,299 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 Wraith ran from 2013 to 2023 and went out of production alongside the Dawn, closing the V12 coupe chapter at Goodwood. A decade of production leaves a used market with real depth in it, and a superseded car with a deep market is one of the more comfortable propositions a commercial lender sees, because the residual value it commits to is measured against transactions rather than forecast into a range that is still selling.
The car itself is the most powerful Rolls-Royce built up to the end of its production run, a 6.6-litre twin-turbo V12 making 624 bhp and 800 Nm, 62 mph in 4.4 seconds, driving the rear wheels through the Satellite Aided Transmission that reads the road ahead. Nothing in that specification is fragile and nothing about it is hybrid or electric, which is why lenders are relaxed about condition across a long agreement.
Commissioning on a Wraith works backwards from the way it does on a current car. The options were chosen a decade ago by somebody else, so rather than sizing a deposit against a gap you created, you are assessing whether the specification in front of you is one the next buyer will want. Starlight Headliner, Black Badge equipment and a coherent colour scheme are the items that hold their place in a valuation.
Calculate your Wraith 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 Wraith. Car finance on a £245,000 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
£2,662 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Rolls-Royce Wraith
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £4,962 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,662 | £134,750 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £3,080 | £110,250 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 Wraith is Hire Purchase. This is a finished model that most buyers acquire because they want to own it rather than cycle it, and Hire Purchase leaves you with clear title and nothing to settle at the end of the 48 months.
Lease Purchase at £2,662 a month, deferring £134,750, is the answer if the monthly figure is the constraint. You settle, refinance or part exchange at the end, and on a car whose market has already flattened the deferred figure is measured against something a lender can see.
If you came here looking for Rolls-Royce Wraith 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 Wraith: 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 Wraith sits inside that position as a superseded series car working its way down toward its floor, which is where the value in the deal usually is.
What a lender sees in the Rolls-Royce Wraith
A commercial lender underwrites the Rolls-Royce Wraith as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.6L Twin-Turbo V12 engine producing 624 bhp, with 4.4s 0-62mph and 155 mph (limited), puts this car in a category a specialist lender recognises. A Wraith at £245,000 and specified to £380,000 is also not one asset with one value, and options rarely come back at what they cost.
| Wraith | |
|---|---|
| Engine | 6.6L Twin-Turbo V12 |
| Power | 624 bhp |
| Torque | 800 Nm |
| 0-62mph | 4.4s 0-62mph |
| Top speed | 155 mph (limited) |
| Transmission | 8-speed automatic |
| Drivetrain | RWD |
| List price | £245,000 |
| Specified to | £380,000 |
| Production | 2013-2023 |
Age is the variable that does the most work here. The earliest Wraiths are already more than a decade old, so a lender prices the end of the agreement against condition and documentation rather than against the model, and the year of the car in front of you affects both the term available and the figure set at the end of it.
Black Badge cars are underwritten separately. The darkened treatment, the revised chassis tune and the interior differences are valued as their own thing by a used market that knows them well, so a case has to state which car it is rather than describing a Wraith with options.
The V12 and the eight-speed automatic have a long service record behind them by now and it is a good one, which is why a lender will look at a longer term on this car than on a hand-built limited-run alternative. What it wants against that is a continuous service file, main dealer where possible and recognised specialist where not.
Wraith features that bear on the valuation
- Twin-turbo V12 powertrain
- Coach doors
- Starlight Headliner
- Satellite Aided Transmission
- Black Badge variant
What a lender wants to see on a Wraith
- Continuous service history from new, main dealer where available and recognised specialist where not
- Confirmation of the model year and whether the car is a Black Badge
- A clean vehicle record with no outstanding finance and no structural repair history
- A documented ownership chain, which carries more weight than mileage on a car of this age
- The current position on any remaining manufacturer warranty or service cover
Financing a used Rolls-Royce Wraith
Every Wraith we arrange finance on is a pre-owned car, because the model is finished, and that removes the complications rather than adding them. There is no allocation, no delivery premium and no order book distorting what the car is worth. There is a market with cars in it, which is the simplest thing a commercial lender can be asked to price.
On a car of this age the file outweighs the odometer. A documented ownership chain, a continuous service record, no outstanding finance and a clean vehicle history are what set the residual value, and a well-used Wraith with all four is a stronger case than a low-mileage example with a gap. Provenance is what a lender is really buying into on a decade-old V12.
Pre-owned cars price the same way with smaller numbers. A used Wraith at £135,000, on the same 20% deposit and 9.9% rate, comes to £2,734 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Rolls-Royce Wraith holds its value
Superseded Rolls-Royce coupes have historically taken their heaviest losses while the model was still being sold and then found a level, and the Wraith passed that point when production ended in 2023. The practical consequence for a finance agreement is that the deferred figure at the end of the term is being set against a market that has stopped moving quickly.
There is a separate argument about the end of the V12 coupe at Goodwood that some buyers find persuasive, and we would not dismiss it. What we will not do is build a structure that depends on it. The recommendation above works whether or not the market decides in ten years that the last of these cars was significant.
The Wraith has already taken the fall a current car is still to take. That is the argument for buying one, and it is also why a lender is relaxed about the figure at the end of the term.
Everything here about the Wraith 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 Wraith
Three things can happen at the end of a Lease Purchase term on a Rolls-Royce Wraith, and it is worth knowing which you are planning for. You settle the £134,750 balloon and keep the car, you refinance it over a further term, or you part exchange the Wraith and take whatever sits above the balloon as equity toward the next one.
Running a Wraith is a V12 proposition and the costs reflect that. Fuel consumption is what 624 bhp implies, servicing a twelve-cylinder engine costs more than a smaller one, and consumables on a two and a half tonne coupe are substantial. None of this is exotic and all of it can be quoted by a specialist before the agreement is written.
The point that most affects the total cost is where the car sits against manufacturer warranty and service cover, which on a model of this age varies enormously from car to car. Establish it before you choose the term, because a Wraith outside cover for the second half of an agreement is a materially different ownership cost from one inside it.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Wraith 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 Wraith.
How we arrange Rolls-Royce Wraith finance
Tell us about the car
Specification, mileage, history and where you are buying the Wraith. On a £245,000 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 £49,000 over 48 months is our starting point on the Wraith.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Wraith agreements complete inside a week, anywhere in the United Kingdom.
Other Spirit of Ecstasy models we finance
The Rolls-Royce Wraith sits at £245,000 in a range we finance end to end. Either side of it are the Ghost at £275,000, 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 Ghost, the Rolls-Royce Cullinan and the Rolls-Royce Spectre, each with its own page and payment table, because a lender does not price a range, it prices a car.
Rolls-Royce Wraith finance FAQs
Against the £245,000 original list price with a 20% deposit of £49,000 over 48 months at an indicative 9.9% nominal, a Wraith is £4,962 a month on Hire Purchase and £2,662 on Lease Purchase with £134,750 deferred. Since production has ended, the cars we fund are used and priced below that figure, so put the actual asking price into the finance calculator on this page for a realistic monthly payment.
Yes, and a superseded car is often easier to place than a current one. The lender is pricing a settled used market rather than forecasting into a range that is still being sold, and it can see what comparable cars have changed hands for. What determines the terms is the year of the car, the completeness of the service file and the ownership history, rather than the fact that production has finished.
It has flattened rather than risen. Superseded coupes from this marque have historically taken their heaviest losses while still on sale and then settled, and the Wraith reached that point when the line closed in 2023. Some buyers find the end of the V12 coupe a persuasive long-term argument and it may prove right, but no agreement we arrange should depend on it and none of ours does.
Older than most people expect, provided the file supports it. Commercial lenders on our panel will write agreements on cars from across the 2013 to 2023 production run, with the term shortening as the car ages. The constraint is arithmetic rather than arbitrary: the lender wants the car to still be a sensible asset at the end of the agreement, so an early example belongs on a shorter term.
It is quoted against its own valuation rather than as an optioned standard car. The used market treats Black Badge as a distinct model with its own pricing, which affects both the residual value and the deferred figure if you choose Lease Purchase. Say which car you are buying when the case goes in and the whole agreement is built against the right comparison set from the start.
Yes. Where the car is owned outright with clear title, a commercial lender will advance against it and take security over the vehicle, which releases capital without you selling it. The underwriting looks at the same things a purchase would: the service file, the ownership chain and the condition of the car. It is a common route for owners of finished models who want the car and the liquidity.
Rolls-Royce finance by structure
This page covers the Wraith. 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 Wraith?
Tell us about the car and we will come back with terms from the specialist lenders that write Rolls-Royce paper. From £2,662 a month on Lease Purchase.