Buying a used Bentley with hire purchase (HP) car finance

Bentley is a prestigious British car manufacturer known for its exceptional luxury, craftsmanship, and powerful performance.

At AutoMoney Motor Finance we can help you secure HP car finance on a used Bentley within minutes.

What’s more we can complete your deal the same day, so you can drive home with your chosen Bentley model straight away.

Apply now for HP car finance

Complete your details via our online form.

Representative example

You could borrow £10,000 over 60 months with an initial payment of £490.66 (including £199 Admin Fee) followed by 58 monthly payments of £291.66 with a final payment of £490.66 (including optional £199 Option to Purchase Fee).

Total amount repayable will be £17,897.60.

29.3% APR, annual interest rate (fixed) 24.7%.

This example uses the representative APR. This is the rate at least 51% of customers are expected to get.

Lending is subject to status and additional affordability checks. Rates quoted are subject to change and will depend on lending amount and personal circumstances.

Want to know more about buying a used Bentley?

If you're considering purchasing a used Bentley, here's a comprehensive look at what you should know about its strengths and weaknesses:

Strengths of Bentley

  1. Luxury and craftsmanship:
    Bentley vehicles are synonymous with opulence. They feature high-quality materials, meticulous attention to detail, and bespoke interiors. The craftsmanship in a Bentley is unparalleled, providing a truly luxurious experience.
  2. Performance:
    Bentleys are known for their powerful engines and impressive performance. Models like the Continental GT and Bentayga offer remarkable acceleration and handling, making them not just luxurious but also thrilling to drive.
  3. Comfort:
    Bentleys provide an exceptionally comfortable ride. The advanced suspension systems and sound insulation ensure a smooth and quiet driving experience, whether you're driving or being driven.
  4. Prestige and status:
    Owning a Bentley is a statement of prestige and success. The brand's long history and reputation for excellence make it a symbol of high status.
  5. Advanced technology:
    Bentleys come equipped with cutting-edge technology, including advanced infotainment systems, driver assistance features, and high-end audio systems. These technologies enhance both convenience and safety.
  6. Customisation options:
    Bentley offers extensive customisation options, allowing buyers to tailor their vehicles to their exact preferences. From unique colour combinations to personalised interior finishes, you can create a Bentley that reflects your style.

Weaknesses of Bentley

  1. Maintenance costs:
    Bentley vehicles can be very expensive to maintain. Parts and service costs are typically high, and specialized care is often required. Be prepared for substantial running costs, including insurance and repair bills.
  2. Depreciation:
    Bentleys tend to depreciate significantly, especially high-end models. While this can make used models more affordable, it also means you should be mindful of potential future depreciation.
  3. Fuel efficiency:
    Due to their powerful engines and substantial weight, Bentleys are not known for fuel efficiency. Consider the ongoing fuel costs, which can be significant, based on your driving habits.
  4. Complex technology:
    While advanced technology is a strength, it can also be a drawback. The high-tech features in Bentleys might require expensive repairs if they malfunction. Ensure that all electronic components are functioning properly before purchasing.
  5. Running costs:
    Beyond maintenance and fuel, other running costs such as insurance and road tax can be quite high for Bentleys. Ensure you budget for these expenses to avoid any surprises.

Tips for buying a used Bentley

  • Research specific models: Popular models like the A3, A4, A6, and Q5 are known for their reliability and performance. Research specific model years for any common issues or recalls.
  • Check service history: Ensure the vehicle has a comprehensive service history. Regular maintenance by authorised Bentley service centres is a good indicator of a well-cared-for car.
  • Inspect for wear and tear: Look for signs of wear and tear, especially on high-mileage models. Pay close attention to the condition of the interior, electronics, and suspension components.
  • Consider certified pre-owned: buying a dealership certified pre-owned Bentley offers benefits like extended warranties and rigorous inspections, providing added peace of mind.
  • Evaluate running costs: Factor in potential running costs, including insurance, road tax, and fuel consumption, to ensure the car fits within your budget.

Overall, a used Bentley can offer a luxurious and exhilarating driving experience, with advanced technology and strong performance. By doing thorough research and inspections, you can find a high-quality used Bentley that meets your needs and provides lasting satisfaction.

Buying a used Bentley with HP car finance

One of the ways to buy a used Bentley, if you do not have enough money to pay for it in full straight away, is to use HP car finance.

This is where you ‘hire’ the Bentley from us, spreading the cost of the car over monthly payments to us. These payments contribute towards you ‘purchasing’ (buying) the Bentley from us at the end of the term of the borrowing, when you also pay a one-off “option-to-purchase” fee.

At this point you own the Bentley completely and our contract comes to an end.

The pros and cons of HP car finance

Borrowing money to buy anything comes with risks, as well as rewards.

Buying a used Bentley could be the right choice for you and an ideal solution to the practical challenges of getting about day to day. However, whilst a used car can be significantly cheaper than its brand new alternative, it still involves spending a lot of money.

When you borrow money, you need to make sure you can keep up with payments comfortably. You will have other bills to pay and necessary things to buy, so you don’t want to find that the payments on your Bentley are leaving you short of money each month.

There are also other considerations when buying a used car and below we share the pros and cons, to help you decide if applying for HP car finance is right for you.

The pros

  • Drive away in a Bentley today: with HP car finance you can get a Bentley, even if you don’t have all the money for it right now.
  • Spread the cost of owning your Bentley: cars are expensive, but are often an essential part of daily life. When you buy your Bentley with HP car finance, you can pay for it gradually over time.
  • Manage your finances: HP car finance comes with a clear payment plan. You can easily compare what your finances will look like each month by taking away the money your Bentley will cost you, alongside your other bills and costs, from your income to make sure it is affordable for you.
  • Decide how much you can afford each month: if you find the Bentley you are looking at is too expensive per month, you can look at other options, with lower monthly costs.
  • Choose a term that suits you: you can repay over 3-5 years, which will impact the monthly cost to suit your monthly finances. Borrowing for longer reduces the monthly cost, but be aware it may increase the total amount you repay.
  • Own your Bentley at the end of the term: If you keep up with your monthly payments, and can afford the “option-to-purchase” fee, you will own your Bentley at the end of the term of your agreement. 

The cons

  • Delayed ownership: You won't own the car until the final payment is made. Missing payments could result in your Bentley being repossessed.
  • Depreciation: Used cars can lose value quickly. You might end up paying more than the Bentley is worth over time.
  • Higher total cost: The total amount paid, including interest and fees, will be much higher than the Bentley’s purchase price.
  • Insurance requirements: Comprehensive insurance is required, which can be more costly.
  • Credit impact: Missing payments can negatively affect your credit score, making future borrowing more difficult.
  • Repossession risk: Failure to make payments can lead to the car being repossessed, possibly leaving you with outstanding debt.

Please make sure you read and understand your hire purchase agreement, maintain your car and ensure you can afford the payments before committing.

Why get HP car finance with AutoMoney Motor Finance?

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  • Get a finance decision within minutes

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  • Complete the same day

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  • Enjoy world class customer service

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  • Work with a company built on values that put you first

AutoMoney Motor Finance is part of a family-owned company called Norfolk Capital Group. Our chairman built all his businesses on strong values, which we look for in every employee that works here.

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Ready to apply?

We hope you found the information on this page useful. If you are now ready to apply for HP car finance with us, we’d be pleased to help.

Get started with an application using our online form:

Representative example

You could borrow £10,000 over 60 months with an initial payment of £490.66 (including £199 Admin Fee) followed by 58 monthly payments of £291.66 with a final payment of £490.66 (including optional £199 Option to Purchase Fee).

Total amount repayable will be £17,897.60.

29.3% APR, annual interest rate (fixed) 24.7%.

This example uses the representative APR. This is the rate at least 51% of customers are expected to get.

Lending is subject to status and additional affordability checks. Rates quoted are subject to change and will depend on lending amount and personal circumstances.