Rolls-Royce Ghost Finance
Finance for the Rolls-Royce Ghost and Ghost Extended Wheelbase - Rolls-Royce's 'entry-level' luxury saloon at £250k+. The Ghost's post-2021 redesign produced a more modern, driver-focused car that has attracted a new generation of buyers. Finance from specialist lenders who understand Ghost values.
The right structure for every Rolls-Royce Ghost requirement
Ghost Standard Finance
Finance for the Ghost standard wheelbase - the entry point to the Ghost family. Finance from £250k for used current-generation examples. Well-specified Ghosts with Bespoke colour and interior options attract the strongest advance rates.
Ghost Extended Finance
Finance for the Ghost Extended Wheelbase - additional rear legroom for chauffeur or self-driven luxury. Finance from £280k. The EWB commands a consistent premium over the standard wheelbase.
Ghost Black Badge Finance
Finance for the Ghost Black Badge - the darker, more driver-oriented Ghost with enhanced performance and blacked-out chrome elements. Attracts a younger, more sport-oriented buyer profile with strong demand in the secondary market.
Bespoke Specification Finance
Ghost models with Bespoke commission elements - unique paint, commissioned headliner artwork, bespoke leather, and personalised materials - are assessed with the Bespoke premium included in the specialist valuation.
Hire Purchase
Own the Ghost at end of term. Fixed monthly payments over 3-5 years. Rolls-Royce's supply-constrained approach to production supports strong Ghost residual values.
Ghost Refinance
Refinance an existing Ghost finance agreement. Move from Rolls-Royce Financial Services to a more competitive independent specialist rate.
How it works
Ghost details
Standard or EWB, year, all Bespoke specification documented, mileage, and source.
Specialist lenders
Specialist luxury car lenders for Ghost values. Decisions within 24 hours.
Bespoke documentation
Bespoke specification adds to the lender's assessed value - document all factory Bespoke elements at purchase.
Settlement
We settle with the Rolls-Royce dealer or specialist seller.
Ready to discuss Rolls-Royce Ghost Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Why is the Ghost the most commonly financed Rolls-Royce?
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.
What is the difference between Ghost and Ghost Extended for finance?
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.
What advance is typical on a current Rolls-Royce Ghost?
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.
Can I finance a Ghost Black Badge?
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.
Is Rolls-Royce main dealer servicing required for the lender?
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.
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