The Bentley Continental is a true icon of British luxury and performance. But with high new car depreciation, buying used could be a better option. If you're considering a used Bentley Continental, exploring Personal Contract Purchase (PCP) deals or Lease Purchase can offer a route to funding one with lower monthly payments.
At Prefinance, we help you compare finance products from specialist brokers, with rates available from 7.9% APR (representative APR 8.9%), making that dream Bentley much more affordable.
We also compare to the dealers rate so you can see where the best value lies.
Used Bentley Continental PCP Deals
PCP finance is a popular choice for those looking to drive a high-value car like the Bentley Continental without committing to outright ownership or large upfront costs, with a balance of lower monthly payments and flexibility at the end of the agreement. Here’s how it works:
Deposit: You'll typically pay an initial deposit. Often around 10% of the price, but can be between a few percent and 35%. Putting in a high deposit on a PCP is generally fine, as long as you understand that you're unlikely to generate the same deposit again just from any value over your balloon/GFV.
Monthly Payments: Your monthly payments cover the depreciation of the car over the term of the agreement, plus interest. This is why they are often a lot lower than Hire Purchase (HP) payments for a similar vehicle.
Guaranteed Minimum Future Value (GMFV): A significant portion of the car's value is deferred to the end of the agreement. This is known as the GMFV, or balloon payment, and it's the predicted value of the car at the end of your term.
End of Agreement Options: At the end of your PCP term, you have three choices:
Return the car: Hand the car back to the finance provider, provided you've stayed within the agreed mileage and condition limits.
Buy the car: Pay the GMFV to take full ownership of the Bentley.
Part-exchange: Use any equity in the car (if its market value is higher than the GMFV) towards a deposit on your next vehicle.
To get a clearer idea of what your payments might look like, you can use a PCP car finance calculator.
Why Choose a Used Bentley Continental?
Opting for a used Bentley Continental opens up new possibilities. The depreciation hit on many new luxury cars is significant, meaning a pre-owned model often represents exceptional value. You get the same craftsmanship, opulent interiors, and powerful performance for less.
Most used models are meticulously maintained (if you're going to spend £200k on a new car, you can afford to have it serviced, valeted and generally looked after!) and come with comprehensive service histories, ensuring you're investing in a vehicle that is still Bentley standard.
Whether you're looking at a Continental GT coupé, a GTC convertible, or a Flying Spur saloon, the used market offers a diverse range of specs and model years, so you can find a Bentley that perfectly matches your budget, all while benefiting from competitive finance rates.
You can find examples on our Bentley Continental Finance page
For those interested in other prestige vehicles, Prefinance also helps compare options for Porsche finance or Lamborghini finance.
Find Competitive Bentley Finance Rates
When it comes to financing any used car, and in this case an expensive one, securing a competitive APR is crucial. Prefinance connects you with specialist finance brokers who can offer rates from 7.9% APR (representative APR 8.9%). Our service is designed to help you compare these options, so you find a deal that suits you. No risk. It's just a quick quote and comparison and there is no obligation to do anything else.
The APR you're offered can depend on several factors, including your credit profile, the loan term, the vehicle's age, and the size of your deposit. By comparing multiple offers through Prefinance, you can gain a clear understanding of the market and find the best terms available for your Continental.
Here’s a look at how Prefinance helps customers save on average when financing a Bentley:
Make | Prefinance Average APR | Dealer Average APR | Average Monthly Saving | Average Total Saving |
|---|---|---|---|---|
Bentley | 8.65% | 12.3% | £164.25 | £7,604.46 |
These figures, based on a sample size of 4 Bentley finance applications through Prefinance, illustrate the potential savings you could achieve by comparing options with us. Our specialist brokers work to secure rates significantly lower than typical dealer offerings, leading to substantial savings over the finance term.
You can learn more about how to get car finance at a low APR on our blog.
PCP vs. Lease Purchase for Your Bentley Continental
While PCP is often favoured for its lower monthly payments, it’s worth considering Lease Purchase (HP with a balloon) as an alternative.
PCP (Personal Contract Purchase)
Lower Monthly Payments: As mentioned, payments are typically lower because you're only financing the depreciation.
Flexibility: Options to return, buy, or part-exchange at the end.
Newer Cars More Often: The lower payments can make it easier to drive a newer model more frequently.
Lease Purchase (Hire Purchase with a Balloon)
Usually lower than PCP: People use Lease Purchase for a few reasons, not all connected. Firstly, you can often set a higher balloon than on a PCP. This is great for monthly payments, but the residual value risk sits with you. There is not a hand-back option on lease purchase. One way or another, you must make the final payment.
No Mileage Restrictions: Unlike PCP, there are no mileage limits or excess wear and tear charges.
Fixed Payments: Monthly payments are usually fixed throughout the term.
Older vehicles: Lenders will do lease purchase on older cars, whereas PCP will stop at around 5-6 years old vehicles
For those with specific financial structures, such as high-net-worth individuals or company directors, specialist products like HP Balloon car finance can also be an excellent option, offering PCP-like flexibility with the path to ownership. To explore these options further, our UK car finance options explained guide provides a comprehensive overview.
Here's a simplified comparison of how different finance products might look for a luxury vehicle:
Feature | PCP (Personal Contract Purchase) | HP (Hire Purchase) | Lease Purchase |
|---|---|---|---|
Ownership at End | Optional (via balloon payment) | Yes (after final payment) | Yes (mandatory balloon payment) |
Monthly Payments | Typically lower | Typically higher | Can be lower than PCP |
Balloon Payment | Yes (GMFV) | No | Yes (often larger than PCP GMFV) |
Mileage Restrictions | Yes (often) | No | No |
Ideal For | Regular upgrades, lower monthly costs | Outright ownership, no mileage worries | Businesses, high-value assets, eventual ownership |
Understanding these differences is key to making an informed decision. Our car finance APR calculator can help you compare the true costs across various products.
Here's an image of a Bentley Continental GT, a prime example of the luxury and performance you could be driving.
How Prefinance Helps You Secure Your Bentley Continental
At Prefinance, we simplify the process of finding competitive finance for your used Bentley Continental. We are not a broker or a lender ourselves; instead, we act as a comparison service and an Introducer Appointed Representative (IAR) of specialist finance brokers. This means we connect you with experts who understand the prestige car market and can tailor finance solutions to your individual needs.
Our process is straightforward:
Submit Your Details: Provide us with some basic information about yourself and the Bentley Continental you're interested in.
Compare Offers: Our network of specialist brokers will assess your application and present you with competitive finance options, including PCP, HP, and Lease Purchase.
Choose Your Deal: Review the offers and select the one that best fits your budget and preferences.
Drive Your Bentley: Once approved, you can finalise the purchase and enjoy your new Bentley Continental.
Our service is designed to save you time and money by bringing the best deals directly to you. We focus on transparency and helping you understand all aspects of your finance agreement, including understanding car finance interest rates.
Start Your Bentley Journey with Prefinance
Driving a Bentley Continental is an experience like no other, and with Prefinance, it can be well within reach. By comparing PCP, HP, and Lease Purchase deals from specialist brokers, you can find a finance solution that offers excellent value, with rates from 7.9% APR. Explore your options today and take the first step towards owning a magnificent used Bentley Continental.
Visit our prestige car finance calculator to begin your journey.
