Specialist luxury car finance for £25,000-plus commercial deals

What is luxury car finance and who is it for?

Luxury car finance is a commercial credit agreement secured against a high-value luxury vehicle, used to spread the cost of the car over an agreed term. It is most commonly arranged as Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release against a luxury car the buyer already owns.

Because we arrange agreements at £25,000 and above, every deal sits outside the standard consumer-credit perimeter and is structured as unregulated commercial finance. Luxury car finance through us is most suitable for company directors capitalising the car through a limited company, self-employed principals, high-net-worth individuals, and collector clients refinancing across Bentley, Rolls-Royce, Aston Martin, and limited-build coachbuilt programmes.

Which luxury cars we finance

The current UK luxury car market is led by three established marques and a number of high-end variants from broader brands. Bentley Motors, from Crewe, supplies the Continental GT (£200,000), Flying Spur (£180,000), Bentayga (£165,000 to £240,000), and the limited-build Mulliner Batur (£1.65 million-plus) and Speed Edition 12. Rolls-Royce Motor Cars, from Goodwood, supplies the Phantom (£420,000), Ghost (£275,000), Cullinan (£300,000), the electric Spectre (£330,000), and the Coachbuild Boat Tail and Droptail one-of-one commissions (£20 million-plus each).

Aston Martin Lagonda, from Gaydon, supplies the DB12 (£185,000), Vantage (£165,000), DBX 707 (£189,000), and the run-out DBS Superleggera (£225,000). The broader luxury segment includes Range Rover SVR / SV Long Wheelbase (£170,000 to £230,000), Mercedes-Maybach S-Class (£165,000), Mercedes-AMG G63 (£200,000-plus with per-customer specification), Porsche Panamera Turbo S E-Hybrid (£161,000), BMW M5 CS / Alpina B7 (£130,000-plus), and Lamborghini Urus Performante (£200,000).

Luxury car finance options: HP, Lease Purchase, PCP, and Equity Release

Luxury car finance is structured as one of four credit agreements arranged through our panel of specialist commercial lenders: Hire Purchase, Lease Purchase, Personal Contract Purchase, or Equity Release against a luxury car the buyer already owns.

Hire Purchase on a luxury car spreads the full cost across the term with no balloon at the end. Ownership of the car passes outright to you with the final payment. This structure suits company directors capitalising the vehicle through a limited company, particularly on Range Rover SVR, Mercedes-Maybach, and the larger Bentayga / Cullinan luxury SUV segment where buyers tend to hold longer.

Lease Purchase keeps monthly payments lower than Hire Purchase by deferring an agreed amount to a final balloon payment, pegged to the projected residual value at the end of the term. This is the most common structure for Continental GT, Phantom, Ghost, and DB12, because luxury car residuals are well-established across the major models and the balloon mechanic preserves cash flow.

Personal Contract Purchase is similar to Lease Purchase but with a Guaranteed Minimum Future Value set at the outset. PCP works on current Bentayga, Cullinan, DBX 707, and Range Rover SVR where the commercial lender can set a confident GMFV.

Equity Release is a refinancing arrangement secured against a luxury car the owner already holds, releasing the difference between current market value and outstanding finance as cash. It is most useful on Mulliner Batur, Speed Edition 12, Rolls-Royce Boat Tail / Droptail commissions, and classic Bentley R-Type Continental / S-series / Mulsanne cars where the asset has materially appreciated.

Luxury car finance examples and indicative monthly payments

A luxury car finance example is a worked monthly-payment scenario calculated against a specific vehicle, deposit, term, interest rate, and residual value. The examples below are indicative only; final terms depend on the commercial lender's underwriting, your circumstances, and the vehicle's specification.

A Bentley Continental GT priced at £200,000 with a 20 percent deposit (£40,000) over 48 months on a Lease Purchase with a 45 percent balloon (£90,000) and a 9.9 percent indicative interest rate produces a monthly payment of around £2,515. A Rolls-Royce Ghost priced at £275,000 with a 20 percent deposit over 48 months on Lease Purchase with a 45 percent balloon (£123,750) at the same rate produces a monthly payment of around £3,455. A Rolls-Royce Cullinan priced at £300,000 with a 20 percent deposit on Hire Purchase over 60 months produces a monthly payment of around £5,085. An Aston Martin DB12 priced at £185,000 with a 20 percent deposit on PCP over 48 months with a 45 percent Guaranteed Minimum Future Value (£83,250) produces a monthly payment of around £2,325. A Range Rover SVR LWB priced at £200,000 with a 15 percent deposit on Hire Purchase over 60 months produces a monthly payment of around £3,605.

Our finance calculator above lets you plug in real numbers for any luxury car and see the impact of deposit size, term length, and the choice between Hire Purchase, Lease Purchase, and Personal Contract Purchase in real time.

Why are luxury car finance rates higher than mainstream car finance?

Specialist luxury car finance is priced higher than mainstream consumer car finance for three structural reasons. First, the commercial lenders willing to fund vehicles above £25,000 are specialist asset financiers, not the mainstream retail banks; they price for the asset complexity and the smaller pool of comparable resale data, particularly on heavily-optioned Mulliner Bentley, Bespoke Rolls-Royce, and Q-by-Aston-Martin specifications. Second, residual value on luxury cars varies materially by specification (a Phantom with a hand-stitched Starlight headliner and a full Rolls-Royce Bespoke option list runs £150,000 over base) so lenders build a wider risk margin into the rate. Third, agreements at this level are unregulated commercial finance, so the structures are negotiated per deal rather than packaged off-the-shelf consumer products.

The flip side is that a specialist credit broker can arrange a luxury car deal that a mainstream lender simply will not consider, particularly on classic Bentley S-series, pre-war Bentley Boys-era cars, classic Rolls-Royce Silver Ghost and Phantom I-V, and the one-of-one Coachbuild commissioning programmes.

Luxury car finance questions answered

Luxury car finance underwriting is asset-specific and structure-specific. The three questions below cover what we are asked most often by luxury car buyers.

Can you finance a luxury car? Yes, on the right structure and lender. We arrange luxury car finance on new, used, and classic luxury cars from £25,000 upwards, in days rather than weeks. For Mulliner Batur, Boat Tail, Droptail, and other limited Coachbuild commissions, the route via a specialist commercial credit broker is particularly important.

What is the 50 percent rule on car finance? The 50 percent rule, formally voluntary termination under the Consumer Credit Act, applies only to regulated consumer credit agreements. The luxury car finance agreements we arrange are unregulated commercial finance, so the 50 percent voluntary termination right does not apply. Early-settlement terms are agreed up front with the commercial lender.

Which car brands are offering 0 percent finance? OEM 0 percent finance offers (when available) are typically restricted to specific models, regulated PCP terms, and consumer credit agreements at list price, with the OEM finance arm building the cost into the headline price. Specialist commercial luxury car finance is structured differently: the rate reflects the asset and the deal, not a marketing campaign. For buyers comparing OEM 0 percent against unregulated commercial finance, the right comparison is total cost over the term including dealer discount, not headline APR.