Rolls-Royce Finance
Bespoke Rolls-Royce finance for the Ghost, Cullinan, Spectre, Phantom and Wraith.
Rolls-Royce finance lets you own the world's most prestigious motor car while keeping your capital free and working elsewhere. As an FCA-regulated brokerage with more than 40 lenders, 365AF arranges bespoke Rolls-Royce finance across the full range — from the all-electric Spectre to the commanding Cullinan and the definitive Phantom.
We tailor every facility to the car and to you: high loan-to-values on these strong-residual cars, competitive rates, and the discretion you'd expect at this level. Buying, upgrading or refinancing — we structure finance that protects your cash flow and the car's standing.
Models we finance
- Rolls-Royce Ghost
- Rolls-Royce Cullinan
- Rolls-Royce Spectre
- Rolls-Royce Phantom
- Rolls-Royce Wraith & Dawn
- Bespoke commissions & pre-owned models
Finance options
- Hire Purchase (HP) — Spread the cost over an agreed term with fixed monthly payments and own the Rolls-Royce outright at the end — ideal for long-term ownership.
- PCP (Personal Contract Purchase) — Lower monthly payments with an optional final payment based on the car's projected future value — well suited to newer models you may change in a few years.
- Lease & Finance Lease — Enjoy the car for an agreed term without full ownership — efficient for business users and those who like to upgrade regularly.
- Refinance & Equity Release — Refinance an existing Rolls-Royce to reduce monthly outgoings, or release equity from a car you already own to free up capital.
Why choose 365AF?
- Specialist lenders who understand Rolls-Royce residual values
- Finance for new, pre-owned and bespoke commissions, up to seven figures
- Hire purchase, PCP, lease, refinance and equity release in one place
- FCA-regulated, soft-search first — no credit-score impact to get a quote
- Discreet, fast decisions tailored to high-value clients
Frequently asked questions
Can I finance a Rolls-Royce Cullinan or Spectre?
Yes. The Cullinan and the all-electric Spectre are among the most requested models we finance, alongside the Ghost and Phantom. We arrange HP, PCP and lease facilities on both new and pre-owned cars.
How much deposit do I need for Rolls-Royce finance?
Deposits typically start from around 10% of the car's value, varying by lender and model. Larger deposits generally secure better rates. We'll structure the facility around your budget.
Do you finance bespoke or pre-owned Rolls-Royce models?
Yes. We work with lenders comfortable with bespoke commissions and the pre-owned market, and who understand how these cars hold value over time.
Will a Rolls-Royce finance quote affect my credit score?
No. We begin with a soft search for an indicative decision, which leaves no mark on your credit file. A full application is only made with your consent.
Can a business finance a Rolls-Royce?
Yes. We arrange finance for individuals and for sole traders, partnerships and limited companies, and can advise on the most tax-efficient structure for business use.