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How to finance a Rolls-Royce

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

Updated

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

Compare car loan providers

Data indicated here is updated regularly
Name Product Minimum credit score APR Loan term Requirements
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
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.
CarsDirect auto loans
Varies by network lender
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.
Auto Credit Express Car Loans
300
Varies
Varies
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
500
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.
LightStream Auto Loans
Good to excellent credit
Competitive
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
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.
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Compare up to 4 providers

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

Pictures: Rolls-Royce Official Page

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