Rolls-Royce Finance
Finance for the complete Rolls-Royce range - Ghost, Ghost Extended, Cullinan, Cullinan Black Badge, Phantom Extended, Spectre EV, Wraith, Dawn, and bespoke Coachbuild commissions. Private banking and specialist lender relationships for the world's most prestigious automobiles.
The right structure for every Rolls-Royce requirement
Ghost Finance
Finance for the Ghost and Ghost Extended Wheelbase - Rolls-Royce's 'entry-level' luxury saloon at £250k+. The most common Rolls-Royce for specialist finance lenders, with the broadest panel and most competitive rates in the range.
Cullinan Finance
Finance for the Cullinan and Cullinan Black Badge - Rolls-Royce's luxury SUV and highest-volume model in the current lineup. Strong global demand, particularly in the Middle East and Asia, supports exceptional UK residual values.
Phantom Finance
Finance for the Phantom VIII and Phantom Extended Wheelbase - the ultimate Rolls-Royce. Finance from £450k+. Private banking relationships are typically required at Phantom values - we access these directly.
Spectre Finance
Finance for the Spectre - Rolls-Royce's first fully electric vehicle. A landmark product. Finance for new Spectres and the emerging secondary market for the world's most luxurious electric car.
Wraith & Dawn Finance
Finance for the Wraith and Dawn - the discontinued two-door Rolls-Royces. Both are increasingly regarded as future classics. Specialist lenders understand their desirability and advancing secondary market values.
Coachbuild Finance
Finance for Rolls-Royce Coachbuild commissions - La Rose Noire Droptail, Boat Tail, Amethyst Droptail, and other bespoke one-offs. Private banking for vehicles whose values exceed £10m. Discreet, structured, and confidential.
How it works
Rolls-Royce specification
Model, year, Bespoke commission documentation (all factory Bespoke items add significant value - document everything), mileage, and source.
Lender matching
Ghost and Cullinan: specialist luxury car lenders. Phantom and Spectre: private banking relationships. Coachbuild: ultra-high-value private bank relationships. We match the vehicle to the right lender.
Specialist valuation
For Phantom, Spectre, and Coachbuild, specialist automotive appraisal from a Rolls-Royce-approved assessor.
Settlement
We settle with Rolls-Royce Motor Cars dealer or specialist seller.
Ready to discuss Rolls-Royce Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Does Rolls-Royce have its own finance arm?
Rolls-Royce Financial Services is available through BMW Group's financial services infrastructure. It is convenient for new car buyers at the dealership. For complex income profiles, high-value Phantoms, and Coachbuild commissions, independent specialist finance and private bank relationships offer more flexibility and often better overall terms.
Why does the Cullinan hold its value so strongly?
Rolls-Royce produces fewer than 6,000 cars per year globally. The Cullinan has strong demand in the Middle East, Asia, and among footballers and entertainers in addition to traditional luxury buyers. This broad demand base - combined with deliberate supply restriction - maintains resale values that most luxury SUVs cannot match.
What advance is typical on a Rolls-Royce Ghost?
Typically 70-75% of current market value for a well-specified Ghost with full Rolls-Royce main dealer service history. The Ghost Extended Wheelbase attracts a slight premium. Bespoke factory options documented at purchase add to the assessed value.
Can the Rolls-Royce Spectre EV be financed?
Yes - the Spectre is financed through specialist luxury car lenders who are developing clear advance rate models for this new product. As the Spectre's secondary market establishes itself, advance rates are expected to converge with other Rolls-Royce models. Early adopter buyers may find conservative initial advance rates.
Can a Rolls-Royce be financed for a non-UK resident?
Yes - Rolls-Royce finance for non-UK residents, international ownership structures, and Middle Eastern or Asian buyers is available through private banks with international capability. We access these relationships for international transactions.
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