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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 high-priced luxury and exotic cars. 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. Get behind the wheel of a Bentley faster when you 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 hit Learn more.
  2. Select My account and choose 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 hit 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

Pros:

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

Cons:

  • 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

Cars

Flying Spur

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

Continental

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

Mulsanne

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

SUVs

Bentayga Hybrid

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

Bentayga

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

Car insurance costs that come with driving a Bentley

What is the warranty on a new Bentley?

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

Use our comparison table for a side-by-side view of available lenders to help you step into a new Bentley. Select up to four loan providers at once.

Name Product Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
Competitive
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
CarGurus
CarGurus
Varies
Varies depending on the lender
3 to 6 years
Varies depending on the lender
CarsDirect auto loans
No minimum credit score
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Carvana
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.
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Bottom line

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

Frequently asked questions

What does Bentley’s certified preowned (CPO) program offer?

Bentley certified preowned cars undergo a thorough inspection and come equipped with a 12-month, unlimited-mileage warranty.

How can I finance taxes and other fees with a luxury car loan?

Check with your lender, but many allow borrowers to capitalize the cost of taxes and other fees into the loan.

What’s the best way to apply for financing with Bentley?

Bentley Financial Services works through licensed dealerships. As of this writing, there is no online loan application.

Pictures: Bentley’s Official Page

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