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How to finance a Bentley

Compare 4 options to get behind the wheel of this luxury car brand.

A Bentley is more than a car — it’s a statement piece. And while traditional car loans might not be available, there are still ways you can get behind the wheel of a Bentley.

How can I finance a Bentley?

Because of Bentley’s luxury vehicle status, it may be more difficult to finance through a traditional car loan. Instead, financing through Bentley itself or applying for a nontraditional car loan may be your best bet:

  • Luxury car loan. It’s possible to find lenders that specialize in financing luxury and exotic cars with high price tags. With a luxury car loan, you’ll have access to a larger borrowing limit and longer terms than your typical car loan.
  • Secured personal loan. If you have assets — such as a CD or investment account — you may be able to use them as collateral for a personal loan, which can then be used to fund your Bentley.
  • Bentley financing. You can finance your car through Bentley Financial Services at an authorized dealership. While it doesn’t list specific loan amounts, interest rates or fees, it will likely be the simplest way to get the exact loan you need to buy your car.
  • Bentley leasing. Bentley offers single-pay leases in addition to traditional leases with no security deposit required. Contact Bentley Financial Services to find out more information on current lease deals in your area.

How to apply with Bentley Financial Services

Because Bentley Financial Services doesn’t have an online application, you’ll need to submit your information and wait for a response from a sales rep.

Follow these steps to get started:

  1. Visit the Bentley Financial Services website and click Learn more.
  2. Select My account, then click Enroll now to create an account with Bentley Financial Services.
  3. Enter your full name, email address and password.
  4. Read the terms and conditions and click Register.

Bentley will send an email with instructions to verify your account. From here, you can contact a dealer or apply for financing.

Alternatively, you can configure your desired car model on the Bentley Motors website to start the financing process with a licensed dealership in your area.

Bentley Financial Services pros and cons


  • Security deposit not required for lease
  • Loan terms up to 84 months
  • Financing available for preowned Bentleys


  • No online application
  • No information on rates
  • No special discounts

Does Bentley offer special discounts or programs?

No. Bentley doesn’t currently offer any special discounts or programs to buyers.

What will a new Bentley cost me?

Your new Bentley could cost anywhere from $150,000 to over $300,000 — it all depends on the model you choose and any features you add on.

Choose a model


Flying Spur

  • Starting MSRP: $191,000
  • Build: Sedan
  • City/highway MPG: Not available


  • Starting MSRP: $214,000
  • Build: Sedan
  • City/highway MPG:16/26


  • Starting MSRP: $304,000
  • Build: Sedan
  • City/highway MPG:11/18


Bentayga Hybrid

  • Starting MSRP: $165,000
  • Build: SUV
  • City/highway MPG: Not Available


  • Starting MSRP: $190,734
  • Build: SUV
  • City/highway MPG:14/23

Car insurance costs that come with driving a Bentley

Does a new Bentley come with a warranty?

Yes. Bentley’s limited warranty covers new cars for up to three years, and there’s no mileage limitation.

In addition, you may also want to consider the Bentley Protection Plan, which covers a variety of parts as well as regular maintenance costs. However, not every part of the protection plan is offered in every state. Contact your Bentley dealership for more information on what coverage is available.

Compare car loan providers

1 - 3 of 3
Name Product Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit. Car Loans
Starting at 2.15%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

Compare up to 4 providers

Bottom line

You have several options available to get behind the wheel of a new Bentley. To get started, compare luxury car loans to find a lender that can cover the full cost of a vehicle in Bentley’s lineup.

Frequently asked questions

Pictures: Bentley’s Official Page

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