Rolls Royce Finance Made Simple

At Charles & Dean, we arrange bespoke Rolls-Royce finance for luxury and high-value cars, from the Ghost and Cullinan to the Phantom, Spectre and sought-after used models.

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Save an Average of Over £4,000 Compared to Dealership Finance*

, subject to status, T&C's apply, 18+.

Vehicle Finance Rolls Royce

Bespoke Finance for Rolls Royce

Rolls-Royce occupies a unique position in the luxury car market. We arrange finance around the car, your circumstances and your plans, with access to a wide panel of specialist lenders.

The Flagship Phantom

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.

The Understated Luxury Ghost

The Rolls-Royce Ghost combines understated luxury with effortless V12 performance in a more driver-focused package. The range includes standard and Extended models alongside the distinctive Black Badge Ghost, offering a choice of specifications and character.

Rolls-Royce Ghost finance can suit customers looking to fund a luxury saloon that balances everyday usability with the refinement associated with the marque.

The Luxury Cullinan SUV

The Rolls-Royce Cullinan brings the marque's luxury and craftsmanship to a spacious SUV platform. Its elevated driving position, powerful V12 engine and refined interior make it suited to long-distance travel and everyday use, while Black Badge models offer a more distinctive character.

Rolls-Royce Cullinan finance can provide a flexible way to fund one of the marque's most distinctive luxury SUVs.

The Electric Spectre

The Rolls-Royce Spectre is the marque's first fully electric production car, combining near-silent performance with the comfort, craftsmanship and imposing proportions associated with Rolls-Royce. Its two-door coupé design and extensive personalisation options give it a distinctive place within the range.

For customers considering Rolls-Royce Spectre finance, a suitable agreement can help spread the cost of this high-value electric luxury car.

The Grand Tourer Wraith

The Rolls-Royce Wraith is a powerful luxury grand tourer, combining a twin-turbocharged V12 engine with distinctive fastback styling and the refinement associated with the marque. Standard and Black Badge models remain sought after on the used market, particularly in well-specified examples.

Rolls-Royce Wraith finance can help customers fund one of the brand's most distinctive modern coupés while spreading the cost over an agreed term.
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Our Funding Process

  • 1

    What Do You Want to Finance

    Tell us about the Rolls Royce 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, the lender, and the dealership to ensure you can get your car as soon as possible.

Why Use Charles & Dean?

Why should you choose us to help with Rolls Royce Finance?

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Luxury Car Expertise

Our team understands high-value and prestige vehicles, helping structure finance around the Rolls-Royce you want to buy, its value and your individual requirements.

Why Us 1

Complex Income Solutions

We understand that income isn’t always straightforward. Our experience with High Net Worth individuals and business owners helps us present complex financial profiles clearly to lenders.

Why Us 3

Wide Lender Panel

As an independent credit broker, we work with a wide panel of lenders to explore suitable funding options for new, used and high-value Rolls-Royce models.

What To Do Next

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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
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Read Our FAQs

Still have questions about Rolls Royce Finance? We may have the answer within our FAQs.

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Our FAQs

Common questions about Rolls Royce Finance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What Rolls-Royce models can Charles & Dean finance?

We can explore finance for a wide range of new and used Rolls-Royce models, including the Phantom, Ghost, Cullinan and Spectre, alongside previous-generation cars such as the Wraith and Dawn. We can also consider Black Badge, Extended and highly specified examples. The finance available will depend on factors including the vehicle's age, value, mileage and your individual circumstances.

Can you finance older or used Rolls-Royce models?

Yes. Charles & Dean works with specialist lenders who can provide finance for older and used luxury cars. This can include previous-generation Rolls-Royce models as well as particularly rare or high-value examples. Our team will assess the individual vehicle and explore the appropriate funding structures available through our lender panel.

What finance options are available for a Rolls-Royce?

Depending on the vehicle and your circumstances, Rolls-Royce finance could be arranged through Hire Purchase, Personal Contract Purchase, Lease Purchase or other funding structures. Each option works differently, so our Finance Specialists will discuss your deposit, preferred monthly payment and plans for the car before helping you identify a suitable solution.

How much deposit will I need to finance a Rolls-Royce?

The deposit required will depend on the value and age of the Rolls-Royce, the type of finance you choose and your individual financial circumstances. A larger deposit can reduce the amount you need to borrow and may lower your monthly payments. Our team can compare different structures to help balance your initial deposit with your ongoing commitments.

Can I refinance a Rolls-Royce I already own?

Yes. If you already own a Rolls-Royce outright or have an existing finance agreement, refinancing may allow you to restructure your borrowing or release equity held within the vehicle. Our team can assess the car, your current position and your objectives before exploring suitable refinance options with our panel of specialist lenders.

*Based on ten recent vehicle purchases with C&D’s APR Representative at 8.9%, versus dealer rates averaging 11.40% APR. Customers saved on average £4,372.86 on a finance advance averaging £39,390.20 Based on a 4-year PCP with a 57.97% balloon and vehicles up to 5 years old. We are a credit broker, not a lender. Credit subject to status, 18+, T&C's apply.