How to finance a Rolls-Royce

You have a few financing options to choose from to get behind the wheel of this luxury car brand. With the cheapest models starting at a cool $314,000, your best bet for third-party financing would be to go through a luxury car loan provider or take out a secured personal loan. Alternatively, Rolls-Royce offers its own in-house financing and leasing programs to well-qualified buyers.

How can I finance a Rolls-Royce?

It should be no surprise that a hand-crafted Rolls Royce costs more than the average car loan provider is willing to offer. While Alliant Credit Union offers auto loans up to $1 million, that’s an anomaly in the traditional car loans space. Instead, you might want to explore luxury car loan providers like Woodside Credit and JJ Best that specialize in high-dollar financing of exotic vehicles.

Another option would be to take out a secured personal loan backed by a certificate of deposit or savings account. This tends to come with the lowest rates compared to the other options on this page since it poses less of a risk to the lender.

Looking for the easiest, fastest way to go? Then you might want to consider financing directly through an authorized dealership. If you go this route, you’ll work with a Rolls-Royce Motor Cars Financial Services specialist to craft an auto loan or lease that best suits your needs.

Read our review of Rolls-Royce Motor Cars Financial Services

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PenFed Auto Loans		Varies	Starting at 1.04%	Up to 10 years	Active membership with PenFed	Low APR car loans from a well-known credit union.	Go to site More Info	Compare	loading Fetching your data...
Carvana		No minimum credit score	3.9% to 27.9%	Varies	18+ years old, annual income of $4,000+, no active bankruptcies	Get pre-qualified for used car financing and receive competitive, personalized rates.	Go to site More Info	Compare	loading Fetching your data...
car.Loan.com Car Loans		300	Varies by network lender	Varies by lender	Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.	Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.	Go to site More Info	Compare	loading Fetching your data...
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LendingTree		Good to excellent credit	Starting at 3.09%	Varies by lender	18+ years old, good to excellent credit, US citizen	Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.	Go to site More Info	Compare	loading Fetching your data...
myAutoloan.com Car Loans		550	1.79% to 27%		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.	Go to site More Info	Compare	loading Fetching your data...

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What will a new Rolls-Royce cost me?

Because each vehicle is custom-tailored to suit your style and driving needs, you could pay anywhere from $314,000 to upwards of $450,000 for your new Rolls-Royce.

Choose a type of vehicle

2019 Rolls-Royce Ghost Series II

• MSRP: $314,400
• Build: Sedan
• City/highway MPG: 12/18

2019 Rolls-Royce Wraith

• MSRP: $322,500
• Build: Coupe
• City/highway MPG: 12/18

2019 Rolls-Royce Cullinan

• MSRP: $325,000
• Build: SUV
• City/highway MPG: 12/20

2019 Rolls-Royce Dawn

• MSRP: $353,000
• Build: Convertible
• City/highway MPG: 12/18

2019 Rolls-Royce Phantom

• MSRP: $450,000
• Build: Sedan
• City/highway MPG: 12/20

Car insurance costs that come with driving a Rolls-Royce

Does a new Rolls-Royce come with a warranty?

Yes, each new Rolls-Royce has a four-year ownership package which includes servicing, repairs, maintenance and roadside assistance. Rolls-Royce also offers its drivers the option of transmitting information about major car components to the dealership so servicing can be tailored to each individual vehicle.

You also have the option of purchasing the Rolls-Royce Service Inclusive package which extends this warranty period by two, three or five years.

Bottom line

A Rolls-Royce is a statement piece as much as it is a car. When you’re ready to add one to your collection, you have the choice of taking out a luxury car loan, secured personal loan or financing directly through an authorized dealership. You can learn more about how it all works by reading our guide to luxury car loans.

Frequently asked questions

• What is Rolls-Royce Black Badge?

  Rolls-Royce Black Badge is the car brand’s more refined, luxurious lineup that offers a sportier, more stylish trim of its five models.

• How can I contact Rolls-Royce roadside assistance?

  If you’re driving in the US, you can call 877-671-3039 to get in touch with a roadside assistance representative. Drivers outside the US should contact their Rolls-Royce dealership or visit the Rolls-Royce website for their regional phone number.

• Does Rolls-Royce offer special discounts or programs?

  No, Rolls-Royce doesn’t have any discounts or programs available to its drivers.

_{Pictures: Rolls-Royce Official Page}