Rolls-Royce Ghost Finance

The Ghost sits at the most accessible Rolls-Royce price point while still providing the full Rolls-Royce experience. Its relatively higher production volume (compared to the Phantom) means specialist lenders have more secondary market data and are more confident in their advance rates. The Ghost also appeals to a broader buyer demographic than the Phantom.

The Extended Wheelbase adds approximately 170mm to the rear cabin. The EWB commands a consistent £15k-£25k premium in the secondary market. Specialist lenders reflect this in their advance calculations - the EWB advance in absolute terms is higher for equivalent loan-to-value ratios.

Typically 70-75% of current market value for a well-specified Ghost with full Rolls-Royce main dealer service history. Ghost models with documented Bespoke commission elements attract valuations that incorporate the Bespoke premium, potentially improving the advance amount.

Yes - the Black Badge commands a premium in the secondary market due to its younger buyer appeal and limited availability. Specialist lenders assess Black Badge models at their current secondary market premium rather than the standard Ghost equivalent.

Specialist lenders strongly prefer Rolls-Royce main dealer service history - it confirms the car has been maintained by technicians with access to Rolls-Royce factory tooling, software, and parts. Gaps in main dealer history reduce the advance rate. Independent Rolls-Royce specialist servicing is generally acceptable if from a recognised specialist.

The minimum deposit for a Rolls-Royce Ghost is typically 20–25% with specialist lenders. On a Rolls-Royce Ghost priced at £280,000, that means a minimum deposit of around £56,000. A larger deposit can reduce your monthly payments and may improve the rate offered.

For most buyers, Hire Purchase (HP) offers the clearest path to ownership and the lowest total cost. Personal Contract Purchase (PCP) suits those who prefer lower monthly payments and want flexibility at the end of the term. Finance Lease is an option for company or VAT-registered buyers. Our specialists will recommend the right structure for your situation.

Yes. Our panel includes lenders experienced with self-employed borrowers, company directors drawing dividends, and individuals with overseas or investment income. Our specialists present your case in the most favourable way, using net profit or retained earnings where appropriate.

In most cases, yes. If you are purchasing through a dealer, they will handle the part-exchange. If you are buying privately, we can introduce you to vehicle-buying services. Any equity in your current vehicle can be used towards the deposit, reducing the amount financed.