Bentley hire purchase
Pay the whole cost across the term. The car is yours at the end.
- If it is worth less
- None. There is nothing left to settle.
- Own it at the end
- Yes
- Monthly cost
- Highest
- Available to
- Companies and individuals
Hire purchase spreads the whole cost of a Bentley across the term. You pay a deposit, you pay the balance in equal monthly payments, and the car becomes yours with the final instalment. Nothing is deferred, there is no balloon payment waiting at the end of four years, and there is no conversation about what the car turned out to be worth.
It is the plainest agreement on this site and the one that suits an older Bentley best, because nobody has to guess what the car will be worth in four years. On a Continental GT at the list price of £200,000, a deposit of 20 per cent is £40,000, which leaves £160,000 to finance. Over 48 months at an indicative nominal rate of 8.9 per cent that is £3,974 a month.
We arrange the finance. We do not lend the money ourselves, we are not a retailer, and we do not sell cars. There is no minimum advance. Where an agreement is regulated consumer credit it is arranged through an FCA authorised broker partner, so you will be told which of the two routes your case takes before anything is signed.
Why hire purchase suits an older Bentley
Because nothing has to be forecast. A lender writing lease purchase or a personal contract purchase is committing to a view of what the car is worth in four years, and on a Turbo R or an Arnage Red Label there is no honest way to publish that number. Hire purchase funds the car against what it is worth today and against the covenant of whoever is paying. That is why almost all the finance we arrange on pre-2010 Bentleys is written this way, and why a retailer offering you only a balloon agreement on a twenty-year-old car is describing a product that does not really exist.
What deposit a Bentley hire purchase needs
There is no fixed figure and nobody publishes an honest one. Between 10 and 20 per cent is the usual starting point, and every worked example on this site assumes 20 per cent because it is the commonest, not because it is a rule. On a Flying Spur at £180,000 that is £36,000. On a Bentayga at £176,000 it is £35,200. A larger deposit lowers the monthly payment and usually improves the rate, because the lender is advancing less against the same car. Part exchange counts, and so does the equity in a car you already own, which is worth raising in the first conversation rather than the third.
What it costs across the current range
The same arithmetic runs across every current car. A Bentayga at £176,000 costs £3,497 a month on those assumptions. A Flying Spur at £180,000 costs £3,577. A Continental GT at £200,000 costs £3,974, and the Continental GT Speed Edition 12 at £250,000 costs £4,968. Each figure assumes a 20 per cent deposit over 48 months at an indicative nominal rate of 8.9 per cent, with nothing deferred. Deferring part of the balance takes every one of those figures down and leaves a payment at the end, which is the whole of the difference between this page and the lease purchase page.
Settling early
You can settle at any point and take the car. What you save depends entirely on how the agreement was written. Some lenders rebate the unearned interest in full, some apply a settlement fee, and some charge a fixed number of months of interest whenever the settlement lands. Ask us to check that clause before you sign rather than after. On two agreements that look identical on the monthly payment, the early settlement terms are usually the most expensive difference between them, and they are the part nobody reads.
Tell us about the car
We come back with which agreements the car supports and what each one is likely to cost. If none of them work, that is the answer you get.