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Luxury & Prestige Car Ownership Made Simple

At Charles & Dean we offer bespoke financing solutions for high-net-worth individuals, combining exclusive rates, tailored terms, and complete discretion. Whether it’s a Bentley, Rolls-Royce, or Range Rover, we provide customised options designed to suit your unique needs.

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Luxury & Prestige Car Finance Options

Lease Purchase

Acquire luxury vehicles with lower upfront and monthly costs through strong balloon payments. Ideal for upgrades, with flexibility to refinance the balloon payment - suitable for collectors and long-term plans.

Personal Contract Purchase

Reduces upfront costs and offers the option to switch to the latest model or keep a valuable asset. At the end of the term, choose to make a balloon payment based on the car's guaranteed future value (GFV) or return it.

Hire Purchase

Offers simplicity and full ownership, ideal for those keeping a car long-term or avoiding residual value complexities. With lower interest charges, it’s a cost-effective option for acquiring high-value vehicles.

Equity Release

Luxury vehicles often retain or appreciate in value, making them ideal for equity release. This lets you unlock value while keeping ownership, a useful tool for collectors and investors.

Luxury & Prestige Car Finance at Charles & Dean: 4 Simple Steps

Contact Us

Reach out by filling out our form or calling us. Whether you’ve found your dream car or are still exploring, we’re here to help.

Compare Products

Our Finance Specialists will discuss and tailor finance options to suit your needs, goals, and financial situation.

Get Credit Approved

We'll guide you through the credit approval process, finding the best options for your circumstances.

Sign Docs & Get Keys

Choose your finance agreement, sign the documents with our support, and collect the keys to your new luxury car.

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Bespoke Solutions with Competitive Rates

With access to a vast lender panel, we secure the most competitive rates for you. Our team tailors solutions, matching you with lenders offering payment options that fit your needs - whether custom balloon payments or flexible structures, ensuring your finance plan aligns with your goals.

Specialist Support for Complex Income Profiles

We specialise in crafting bespoke finance solutions for individuals with unique financial profiles, including entrepreneurs, business owners, and high-net-worth individuals. Our team provides personalised guidance for a seamless process. Just call us - we'll handle the rest.

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In-Depth Market Knowledge

Our team of automotive enthusiasts, experienced in financing luxury and performance vehicles, secures the most favourable terms for you. By leveraging our trusted lenders, we tailor finance solutions to your goals, ensuring competitive rates and maximum value. Beyond financing, we help you step into your dream luxury car with ease and confidence.

"We recently purchased my dad's dream car, and it was all made possible thanks to Joe from Charles and Dean. His dedication and service were exceptional; he truly went above and beyond for us. Joe was not just a finance broker; he was a dedicated partner in our car buying journey.

When we finally settled on the right vehicle, Joe outdid himself by securing a deal that surpassed anything the dealership or the wider market could offer."

Ansar

Rolls Royce Dawn

RECENTLY FUNDED

Urban Defenders

This model blends rugged capability with bespoke urban styling. Enhanced by Urban Automotive, it features bold design upgrades, premium finishes, and a commanding road presence - perfect for those who want off-road heritage with a contemporary edge.

A pleasure to fund for a local business in Cambridgeshire.

FAQs

Your questions about Luxury & Prestige Car finance answered

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Which models are the most popular luxury vehicles you finance?

Range Rover
Bentley Continental
Rolls Royce Cullinan
Rolls Royce Phantom
Rolls Royce Spectre
Porsche Cayenne
BMW X5

These models represent just a glimpse of the iconic vehicles known for their desirability and performance. With our extensive UK dealer network, Charles & Dean is dedicated to helping you acquire a distinguished car that stands out. Contact us today to begin your journey toward automotive excellence.

Do you provide finance solutions for individuals with complex income sources?

Absolutely. At Charles & Dean Finance, we understand that income sources can vary widely among individuals. Whether you're self-employed, receive income from multiple sources, or have unconventional income streams, we could help. Our expert team specialises in creating finance solutions tailored to accommodate complex income structures.

Can I have an interest only agreement?

Yes, interest-only finance is available, but it typically requires a substantial upfront deposit and is best suited for vehicles with strong residual values.

What are my exit rights?

Your exit rights depend on whether your agreement is regulated or unregulated:

Regulated Agreements: If your agreement is regulated under the Consumer Credit Act, you have standard consumer settlement rights, including clear guidelines on early repayment terms.

Unregulated Agreements: Settlement terms for unregulated agreements can vary between lenders, as each sets its own policies. Early repayment penalties may differ, but our team of specialists are here to guide you through your options and ensure you make an informed decision.

Understanding these terms upfront is essential to ensure they align with your needs."

Can you finance older models?

Yes, we offer finance solutions tailored for older luxury cars as well.

How much deposit will I need?

Charles & Dean clients typically place a deposit of 10-20% of total cost of the vehicle. However, this sum will depend on your unique financial situation and whether you are buying a new or used car. The more money you can put down as a deposit the less you’ll have to borrow and therefore the lower your monthly repayments will be, and the less interest you will pay over the duration of your agreement. Some of our clients will seek to put down the lowest possible deposit and use that capital in other income-generating areas.

Can I refinance a vehicle I already own?

Did you take out a finance agreement at the peak of interest rates? Charles & Dean could help you unlock new lower rates through our large panel of lenders. Want to learn more about refinance or discuss a car purchase? Contact our team today.

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