On this page(7 sections)
Hypercar Finance is the independent credit broker referenced throughout. We arrange Rolls-Royce finance through specialist lenders. We are not RRMC Financial Services (the OEM finance arm); we are not the dealer; we are the broker between the buyer and the lender panel.
- None
- Minimum deal size
- 20% to 50%
- Deposit range
- 36 to 60
- Term in months
- 9.9%
- Indicative rate
No upper limit: the Coachbuild example below runs to £20 million.
20 per cent on a Ghost, 50 per cent on a Coachbuild commission.
48 months is the usual choice on Phantom, Ghost and Cullinan.
The rate used in the worked examples further down this page.
Indicative only and subject to commercial lender underwriting.
Step one: identify the Rolls-Royce and confirm availability
Rolls-Royce Motor Cars, headquartered in Goodwood, West Sussex (a wholly-owned subsidiary of the BMW Group since 2003), produces four current model lines and the Coachbuild commissioning programme. For current production (Phantom VIII / Phantom EWB / Phantom Series II Black Badge; Ghost; Cullinan; Spectre), the UK Rolls-Royce dealer network confirms availability and Rolls-Royce Bespoke commissioning specification.
For Coachbuild one-of-one commissions (Sweptail 2017, Boat Tail three commissions, Droptail four commissions: La Rose Noire / Amethyst / Arcadia / Pulse), the commissioning runs direct with Rolls-Royce Bespoke at Goodwood. For run-out and classic Rolls-Royce (Wraith and Dawn production ended 2023; Silver Ghost, Phantom I/II/III/IV/V/VI, Silver Cloud, Silver Shadow, Corniche, Camargue), availability is through specialist heritage dealers including P&A Wood, Frank Dale & Stepsons, and Hexagon Classics.
Rolls-Royce
Phantom Finance
From £420,000563 bhp
Rolls-Royce
Ghost Finance
From £275,000563 bhp
Rolls-Royce
Cullinan Finance
From £300,000600 bhp
Rolls-Royce
Spectre Finance
From £330,000577 bhp
Rolls-Royce
Wraith Finance
From £245,000624 bhp
A cross-section of the Rolls-Royce cars we finance rather than the full list. Prices shown are guide list prices and exclude Rolls-Royce Bespoke commissioning, which can add £150,000 or more to a Phantom.
Step two: choose the right finance product for the Rolls-Royce
| Structure | Monthly cost | Balloon | Position at the end | Best suited to |
|---|---|---|---|---|
| Hire Purchase | Highest | None | Outright ownership at the end | Company directors capitalising the car, and Coachbuild commissions held permanently |
| Lease Purchase | Lower | Agreed sum deferred to the end of the term | Yours once the balloon is settled | Phantom, Ghost and Cullinan, where the residual profile supports a meaningful balloon |
| Personal Contract Purchase | Lower | Guaranteed Minimum Future Value fixed at the outset | Settle the GMFV, part-exchange, or hand the car back | Current Ghost and Cullinan |
| Equity Release | Set by the sum released | Structured per deal | You already own the car | Coachbuild Boat Tail, Droptail and Sweptail, plus Silver Ghost, Phantom I to V and Corniche |
Equity Release is by far the most useful structure on Coachbuild commissions and on the pre-war and post-war classics, where the Rolls-Royce Enthusiasts' Club secondary market values cars in seven figures. Residual risk stays with you on Lease Purchase; on Personal Contract Purchase the lender takes it back through the Guaranteed Minimum Future Value.
Rolls-Royce finance is most commonly structured as one of four credit agreements: Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release against a Rolls-Royce the buyer already owns.
Hire Purchase is the cleanest structure if you want outright ownership at the end with no balloon. It suits company directors capitalising the Rolls-Royce through a limited company. Lease Purchase keeps the monthly payment lower than HP by deferring an agreed amount to a final balloon, and is the dominant structure on Phantom, Ghost, and Cullinan because the Rolls-Royce residual profile (strong on Cullinan, steady on Ghost and Phantom) supports a meaningful balloon.
Personal Contract Purchase works on current Ghost and Cullinan where the commercial lender is comfortable setting a confident Guaranteed Minimum Future Value. Equity Release is by far the most useful structure on Coachbuild Boat Tail, Droptail, and Sweptail commissions where the asset has been hand-built at multi-million-pound cost, and on classic Silver Ghost, Phantom I-V, and Corniche where the Rolls-Royce Enthusiasts' Club secondary market values these cars in seven figures.
Step three: OEM finance vs specialist credit broker for Rolls-Royce
Rolls-Royce Motor Cars Financial Services (RRMC Financial Services) is the OEM finance arm and offers captive finance product alongside the dealer for current-model cars. It is a competent product for clean dealer-handover on Ghost and Cullinan in standard configuration.
On the Rolls-Royce deals we see where the asset is a Phantom EWB, a Cullinan Black Badge with full Rolls-Royce Bespoke commissioning, a Spectre, a Coachbuild Boat Tail or Droptail, or a classic Rolls-Royce (Silver Ghost, Phantom I-V, Corniche), the specialist broker route is routinely the only viable option because the OEM finance product is calibrated for current-model regulated retail credit, not for multi-million-pound Coachbuild commissions or for Silver Ghost-era classics.
Step four: the application and underwriting process
The application runs through us as credit broker. We collect a short summary of the buyer (UHNW asset profile, family-office structure, demonstrated income or asset position, deposit available), the deal (dealer or Goodwood Coachbuild invoice, deposit, term, structure), and the vehicle (Rolls-Royce Bespoke commissioning detail, Starlight Headliner specification, leather and veneer choices, Coachbuild commission documentation).
The commercial lender underwrites against the asset, the buyer, and the deal structure. Decisioning is typically days for current production. For Coachbuild commissions (Boat Tail, Droptail), the underwriting involves direct asset review and provenance documentation. For classic Silver Ghost and Phantom I-V cars, the underwriting includes Rolls-Royce Enthusiasts' Club provenance review. Final terms are issued, the agreement is signed, and funds are sent direct to the dealer, the Goodwood Coachbuild programme, or the specialist at handover.
Indicative monthly payments by Rolls-Royce model
Rolls-Royce Ghost at £275,000 list, 20 percent deposit over 48 months on Lease Purchase at 9.9 percent with a 45 percent balloon: around £3,455 per month. Rolls-Royce Cullinan at £300,000 list, 20 percent deposit over 60 months on Hire Purchase: around £5,085 per month. Rolls-Royce Phantom at £420,000 list, 25 percent deposit on Lease Purchase over 48 months with a 48 percent balloon: around £4,535 per month. Rolls-Royce Phantom EWB at £500,000-plus list, 25 percent deposit on Lease Purchase over 48 months with a 50 percent balloon: around £5,225 per month. Rolls-Royce Spectre at £330,000 list, 20 percent deposit on PCP over 48 months with a 45 percent GMFV: around £4,150 per month. Rolls-Royce Boat Tail (Coachbuild) at £20 million, 50 percent deposit on Hire Purchase over 36 months: around £322,200 per month. Rolls-Royce Silver Ghost (pre-war) at £1.5 million, 35 percent deposit on Lease Purchase over 48 months with a 75 percent balloon: around £5,485 per month.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Rolls-Royce Ghost | Lease Purchase | £275,000 | £55,000 (20%) | 48 months | £123,750 (45%) | 9.9% | £3,457 |
| Rolls-Royce Cullinan | Hire Purchase | £300,000 | £60,000 (20%) | 60 months | None | 9.9% | £5,087 |
| Rolls-Royce Phantom | Lease Purchase | £420,000 | £105,000 (25%) | 48 months | £201,600 (48%) | 9.9% | £4,534 |
| Rolls-Royce Phantom EWB | Lease Purchase | £500,000 | £125,000 (25%) | 48 months | £250,000 (50%) | 9.9% | £5,227 |
| Rolls-Royce Spectre | Personal Contract Purchase | £330,000 | £66,000 (20%) | 48 months | £148,500 (45%) | 9.9% | £4,149 |
| Rolls-Royce Boat Tail (Coachbuild) | Hire Purchase | £20,000,000 | £10,000,000 (50%) | 36 months | None | 9.9% | £322,203 |
| Rolls-Royce Silver Ghost (pre-war) | Lease Purchase | £1,500,000 | £525,000 (35%) | 48 months | £1,125,000 (75%) | 9.9% | £5,484 |
Prices are list except the Silver Ghost, which is a classic-market figure, and the Boat Tail, which is a Coachbuild commission figure. The Phantom EWB is priced at £500,000, the floor of its list range. The Spectre balloon is a Guaranteed Minimum Future Value. Indicative only and subject to underwriting.
Common mistakes when financing a Rolls-Royce
Three mistakes recur. The first is underestimating Rolls-Royce Bespoke commissioning impact on residual. A Phantom with full Bespoke commissioning can carry £150,000 to £200,000 over the base price; the Lease Purchase balloon needs to reflect that the secondary market values cars below the option-loaded total. The second is overlooking the classic Rolls-Royce refinance opportunity: an owned Silver Ghost or a Phantom V has often appreciated significantly above original cost, and Equity Release can release substantial liquidity without selling the car.
The third is treating a Coachbuild Boat Tail or Droptail commission like a current-model transaction. These cars are commissioned years in advance with milestone payments through the Goodwood programme; the finance structure needs to align with the milestone payment schedule rather than a single drawdown at delivery.
A Coachbuild commission is not a current-model transaction. The finance structure has to align with the Goodwood milestone payment schedule, not a single drawdown at delivery.
Frequently asked questions
- Can you get a Rolls-Royce on finance?
- Yes. We arrange Rolls-Royce finance on new, used, classic, and Coachbuild commissioned cars through a panel of specialist lenders. For the Coachbuild programme (Boat Tail, Droptail, Sweptail), the specialist commercial broker route is effectively the only viable finance option.
- How much is a monthly payment for a Rolls-Royce?
- Indicative monthly payments range from around £3,455 on a Ghost Lease Purchase, £5,085 on a Cullinan Hire Purchase, £4,535 on a Phantom Lease Purchase, to multi-six-figures on Coachbuild Boat Tail and Droptail commissions, depending on list price, deposit, term, structure, and lender appetite.
- Does BMW own 100 percent of Rolls-Royce Motor Cars?
- Yes. Rolls-Royce Motor Cars is a wholly-owned subsidiary of the BMW Group, following the 1998 acquisition of the marque rights and the 2003 establishment of the Goodwood facility. (Rolls-Royce Holdings plc, the aero engine and defence business, is a separately-listed company that shares the historic Rolls-Royce name but is otherwise unconnected.) The BMW ownership of the motor car business has been stable for over two decades.
Where to go next
Want an indicative quote?
Use our finance calculator to model the deposit, term, and indicative monthly payment for any vehicle from then speak to our team to structure the agreement through the right lender for your circumstances.