Bentley Finance
Independent finance for the full Bentley range - Continental GT V8 and W12, Continental GTC Convertible, Flying Spur, Bentayga V8 and EWB, Mulliner commissions, and the discontinued Mulsanne. Our specialists compare the whole specialist lender market alongside Bentley Financial Services.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
The right structure for every Bentley requirement
Continental GT Finance
Finance for the Continental GT V8, W12, GTC Convertible, and Speed. The most popular Bentley for specialist finance lenders - excellent residual values from consistent global demand. Finance from £170k for used examples.
Flying Spur Finance
Finance for the Flying Spur V8, W12, Flying Spur S, Speed, and Hybrid. Bentley's luxury saloon - the owner-driver and chauffeur-driven flagship. Finance from £180k. W12 variants attract a small premium.
Bentayga Finance
Finance for the Bentayga V8, Bentayga Azure, Bentayga S, and Bentayga EWB. Bentley's luxury SUV - the highest-volume Bentley model. Excellent residual values from strong global SUV demand.
Mulliner Finance
Finance for Bentley Mulliner bespoke commissions - Bacalar, Batur, and special-series cars. Mulliner cars are produced in single figures or very low tens. Private banking relationships required at these values.
Mulsanne Finance
Finance for used Mulsanne and Mulsanne Speed - the discontinued V8 flagship. Collector-grade used Mulsannes are increasingly valued as the last of a tradition. Specialist lenders understand their position.
Classic Bentley Finance
Finance for the Speed Six, R-Type Continental, S-Series, Continental Flying Spur S2, and Mulsanne Turbo R. The classic Bentley market is a niche but well-supported one for specialist lenders.
How it works
Bentley specification
Model, year, variant, mileage, Mulliner specification details, service history, and source.
Independent panel
Bentley Financial Services (VW Group product) compared against independent specialist lenders. For most buyers, independent specialist finance is more competitive.
HPI and inspection
HPI check. For Mulsanne and Mulliner cars, specialist inspection.
Settlement
The lender settles with the Bentley dealer or specialist seller.
Ready to discuss Bentley Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Finance rates and models compared
Indicative October 2026 lender rates and a worked example for each model. Rates depend on the car, deposit and your profile; the specialist we introduce you to can compare them for your case.
Bentley Finance Rates
| Lender | Typical Rate | Min Deposit | Min Loan | Notes |
|---|---|---|---|---|
| JBR Capital | 8.9%–14.9% APR | 20% | £25,000 | Specialist supercar & prestige lender; no age restriction on classic exotics |
| Black Horse | 7.4%–11.9% APR | 15% | £10,000 | Lloyds Banking Group; competitive HP for cars up to 10 years old |
| Marsh Finance | 9.5%–16.9% APR | 20% | £15,000 | Strong appetite for high-value used vehicles; fast decisions |
| Close Brothers | 8.2%–13.5% APR | 20% | £20,000 | Established motor finance house; flexible on mileage & age |
| Shawbrook Bank | 9.9%–17.9% APR | 25% | £25,000 | Asset-backed lending; suits complex income structures |
Vehicle Price
£200,000
Deposit (20%)
£40,000
Amount Financed
£160,000
Monthly Payment
£4,050/mo
Total Repayable
£234,416
Total Interest
£34,416
Bentley Bentayga Finance
The Bentayga is the world's most luxurious SUV, combining genuine off-road capability with Bentley's finest materials and engineering. High demand and strong residuals make it the most finance-accessible Bentley on our panel.
Vehicle Price
£165,000
Deposit (20%)
£33,000
Amount Financed
£132,000
Monthly Payment
£3,342/mo
Total Repayable
£193,393
Total Interest
£28,393
Bentley Continental GT Finance
The Continental GT is the definitive British grand tourer - one of the most recognisable and desirable luxury vehicles in the world. Its consistent residual performance and high-net-worth buyer base make it a core target for all five of our panel lenders.
Vehicle Price
£200,000
Deposit (20%)
£40,000
Amount Financed
£160,000
Monthly Payment
£4,050/mo
Total Repayable
£234,416
Total Interest
£34,416
Bentley Flying Spur Finance
The Flying Spur is Bentley's four-door luxury sports saloon - a car that competes with the Rolls-Royce Ghost and Porsche Panamera Turbo. Its twin-turbo W12 and hybrid powertrain options cover the market comprehensively; residuals are strong and lender appetite is high.
Vehicle Price
£175,000
Deposit (20%)
£35,000
Amount Financed
£140,000
Monthly Payment
£3,544/mo
Total Repayable
£205,114
Total Interest
£30,114
Frequently asked questions
Is the Bentley Continental GT a good finance asset?
Yes - the Continental GT has been one of the most consistently well-valued luxury GTs in the specialist finance market. The W12 variant holds value slightly better than V8 in some conditions due to collector preference. Low-mileage, single-owner cars with no modifications and full main dealer history attract the strongest advance rates.
Can I finance a Bentley through my company?
Yes - and this is common for business owners. Corporation tax capital allowances on qualifying business-use vehicles, VAT reclaimable on wholly business-use proportion. The benefit-in-kind charge for personal use of a company car at Bentley values is substantial - specialist tax advice is strongly recommended.
What is a 'Mulliner' specification and does it affect the finance advance?
Mulliner refers to Bentley's in-house bespoke division. Factory-ordered Mulliner specification - including bespoke colours, materials, and trim combinations - adds assessed value that specialist lenders recognise. Our specialists advise on how to document Mulliner options at purchase to ensure the lender's assessment reflects the full specification value.
Can I finance a Bentley Bacalar or Batur?
The Bacalar (12 units) and Batur (18 units) are ultra-rare Mulliner creations at values above £1.5m. Finance through private bank relationships. Contact us before any offer.
What is the advance on a used Bentley Bentayga?
Typically 70-80% of current market value for a well-specified Bentayga V8 with full main dealer service history. The EWB and S variants attract marginally stronger advance rates due to higher specification and scarcity.
What deposit do I need for Bentley finance?
Most specialist lenders require a minimum deposit of 20–25% for Bentley vehicles. For a car in the £150k–£350k range, that equates to roughly £30,000–£87,500. Larger deposits often unlock lower rates and smaller monthly payments.
Which lenders offer the best Bentley finance rates?
JBR Capital and Black Horse are typically the most competitive for prestige and supercar finance. JBR Capital specialises exclusively in high-value vehicles and has no blanket age restriction on exotic makes. Black Horse (Lloyds) offers strong rates on newer models. As an independent introduction service, Doulton Bridging Finance introduces you to specialists who compare the specialist lenders on our panel on your behalf.
Can I finance a used or older model?
Yes. Unlike high-street lenders, our specialist panel lenders consider low-production-run vehicles, older classics, and low-mileage examples on their individual merit. JBR Capital and Shawbrook Bank are particularly flexible on age. Lenders assess each vehicle individually - contact us with the details.
How long does approval take?
For straightforward applications with full documentation, indicative terms can be issued within 24 hours. Formal approval typically follows within 2–3 business days. More complex cases (self-employed, overseas income, high-value vehicles) may take slightly longer. The specialist we introduce you to manages the process and keeps you updated at every stage.
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