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How to finance a Rolls-Royce

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

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.

Compare car loan providers

1 - 4 of 4
Name Product Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
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.
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.
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.

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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