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Luxury & Prestige Car Finance Made Simple

At Charles & Dean, we specialise in luxury car finance for premium and prestige vehicles. From luxury SUVs and executive saloons to high-end grand tourers, we help customers explore finance options suited to the vehicle, their circumstances and their plans.

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You Could Save Over £5,000 Compared to Dealership Finance*

Rates from 8.9% APR. Representative 9.4% APR

Experts in Finance for Luxury Cars

Luxury and prestige cars can require a more considered approach to finance. We offer funding across a wide range of higher-value vehicles, with different finance structures available depending on the car, your budget and how you plan to own it.

HP Finance

A straightforward and secure path to owning your luxury vehicle.

Spread the full cost of the car evenly over your term

Guarantee ownership of the vehicle once the final payment clears

Set a flexible initial deposit to suit your budget needs

HP Finance

PCP Finance

Drive a more luxury car with lower deposits and flexible payments.

Enjoy lower monthly payments for better cash flow

Choose to buy, return, or trade the car in

Set a custom mileage limit that fits your driving needs

PCP Finance

Lease Purchase

A practical route to prestige car ownership that maximises cash flow.

Benefit from lower monthly payments

Commit to a mandatory balloon payment at the end of the agreement

Designed for buyers intending to own the vehicle at the end of the term

Lease Purchase

Popular Models We Can Finance

Range Rover

Mercedes-Benz G-Class

Bentley Continental

Mercedes-Benz S-Class

Rolls-Royce Phantom

Range Rover Finance

The Range Rover sits at the top of the Land Rover lineup, combining luxury, refinement and imposing road presence with genuine off-road capability. Available in a wide range of specifications and powertrains, including long-wheelbase versions, it offers plenty of choice for customers seeking a premium SUV tailored to their requirements.

Range Rover finance remains popular with buyers looking for a luxury SUV renowned for its comfort, craftsmanship and distinctive design.

Land Rover Finance

Mercedes-Benz G-Class Finance

The Mercedes-Benz G-Class combines its distinctive boxy design and off-road heritage with a high-quality, technology-led interior. Its strong road presence and range of powerful engines have made it one of the most recognisable luxury SUVs.

For customers considering Mercedes-Benz G-Class finance, we can explore suitable funding options based on the vehicle, deposit, term and wider financial circumstances.

Mercedes-Benz Finance

Bentley Continental Finance

The Bentley Continental is a luxury grand tourer designed for effortless long-distance driving. Strong performance, a carefully finished interior and a refined ride combine to make it well suited to those looking for a high-end car with genuine touring ability.

If you're looking into Bentley Continental finance, our team can explore different funding structures based on the car and how you want to manage the purchase.

Bentley Finance

Mercedes-Benz S-Class Finance

The Mercedes-Benz S-Class is known for its combination of comfort, technology and refinement. From advanced driver assistance to high-quality materials and a quiet, spacious cabin, it remains a popular choice for both drivers and passengers.

Those considering Mercedes-Benz S-Class finance can discuss different options with our team, including deposits and agreement terms suited to the vehicle and their budget.

Mercedes-Benz Finance

Rolls-Royce Phantom Finance

The Rolls-Royce Phantom is the marque's flagship luxury saloon, combining commanding road presence with exceptional comfort, craftsmanship and refinement. Available in standard and Extended forms, its V12 performance and extensive personalisation options make each Phantom distinctive.

For customers exploring Rolls-Royce Phantom finance, its specification and value can make a specialist finance structure particularly appropriate.

Rolls Royce Finance

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Our Funding Process

1

What Do You Want To Finance

Tell us about the luxury car you've found and any specific finance requirements.
2

Receive a Solution

Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.
3

Get Your Funding

Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

Get a Quote

Why Use Charles & Dean?

Why should you choose us to help with luxury car finance?

Tailored Finance

We work with a broad panel of lenders to explore finance options based on the vehicle, deposit, agreement term, ownership plans and your financial circumstances.

Complex Income Expertise

We regularly work with business owners, company directors, self-employed customers and individuals with more complex income profiles, helping present applications clearly to appropriate lenders.

Luxury Car Specialists

Our team has experience across the luxury and prestige market, from premium SUVs and executive cars to high-value grand tourers and specialist vehicles.

What To Do Next

Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836

Read Our FAQs

Still have questions about luxury car finance? We may have the answer within our FAQs.

Go to FAQs

Our FAQs

Your questions about luxury and prestige car finance answered

What luxury car financing options are available?

There are several ways to finance a luxury car, depending on the vehicle and how you intend to own it. Options can include Hire Purchase, PCP and Lease Purchase, as well as refinance in certain circumstances. The most suitable structure will depend on factors such as your deposit, preferred monthly payment, agreement term and ownership plans.

Can I buy luxury cars on finance in London and across the UK?

Yes. Charles & Dean provides luxury car finance across the UK, including for customers in London. Whether you've already found a vehicle or are still comparing your options, our team can discuss suitable finance structures based on the car and your circumstances. All finance is subject to status and lender criteria.

What affects luxury car finance deals?

Luxury car finance deals can vary depending on the vehicle's age, value and mileage, the amount you want to borrow, your deposit, agreement term and financial circumstances. Lenders can also have different criteria for higher-value vehicles, so exploring a range of suitable finance options can be useful.

Can you arrange prestige & luxury car finance for complex income profiles?

We regularly work with business owners, company directors, self-employed customers and individuals with more complex income profiles. Our team can take the time to understand your circumstances and identify lenders whose criteria may be suitable for your application. Finance remains subject to individual lender assessment and criteria.

Can I finance a used luxury car?

Yes. Finance can be available for both new and used luxury vehicles, subject to the lender's criteria. The options available can depend on factors including the car's age, mileage and value. This means finance may be available for newer prestige cars as well as older, higher-value vehicles where specialist lending may be appropriate.

*Based on ten recent vehicle purchases with C&D’s clients who obtained an interest rate of between 8.9% APR and 9.9% APR (giving an average of 9.24%), versus motor dealer rates ranging from 9.9% APR and 13.4% APR (giving an average motor dealer rate of 11.1% APR). Customers saved a minimum of £1,495 and a maximum of £5,382, based on our average client balance to finance amount of £54,078. Transactions were based on a 4-year PCP with a 40.31% balloon (final payment) and vehicles that were up to 5 years old. Individual savings will vary depending on factors including vehicle make and model, vehicle age, individual credit profile and eligibility criteria We are an authorised credit broker and not a lender. Credit subject to status, 18+, T&C's apply.

Luxury & Prestige Car Finance Made Simple

Experts in Finance for Luxury Cars

HP Finance

PCP Finance

Lease Purchase

Popular Models We Can Finance

Range Rover Finance

Mercedes-Benz G-Class Finance

Bentley Continental Finance

Mercedes-Benz S-Class Finance

Rolls-Royce Phantom Finance

Our Featured Guides

Finance for Land Rover or Range Rover: Your Complete Guide

76 Plate Release: What It Means for Your Car Finance

Lease Purchase Car Finance: UK Product Guide

Our Funding Process

What Do You Want To Finance

Receive a Solution

Get Your Funding

Why Use Charles & Dean?

Tailored Finance

Complex Income Expertise

Luxury Car Specialists

What To Do Next

Get a Quote

Call Us Now

Read Our FAQs

Our FAQs

What luxury car financing options are available?

Can I buy luxury cars on finance in London and across the UK?

What affects luxury car finance deals?

Can you arrange prestige & luxury car finance for complex income profiles?

Can I finance a used luxury car?