Bentley PCP in 2026: Future Values on a Car That Ages Slowly
Four years after you drive it away, a lender will owe you a number. On a Bentayga bought at its £176,000 list price with 45 per cent of the price guaranteed at the end, that number is £79,200. If the car is worth less by then, the lender absorbs the gap and you hand back the keys. If it is worth more, the difference is yours. That promise is the whole of what makes a PCP different from any other way of paying for a Bentley, and it is also why a PCP is only offered on some of them. A guarantee needs evidence, and a lender will only commit to a future value where it can see years of comparable sales. On a car that holds its looks for decades and ages slowly in the market, that evidence runs out sooner than people expect. Here is how the figure is set, what it costs, and where a Bentley PCP stops making sense.
Bentley Finance is part of Hypercar Finance, which is a trading name of Lenzie Consulting Ltd (company number 08174104). We arrange finance. We are not a lender, not a dealer and we do not sell cars. The business is not authorised or regulated by the FCA. Agreements entered into wholly or predominantly for business purposes are not regulated consumer credit and we arrange those directly; where an agreement is regulated consumer credit, we introduce it to an FCA authorised broker partner, which carries the regulated activity and any advice. There is no minimum advance, and every figure below is indicative, not an offer.
Not affiliated with Bentley Motors Limited. Vehicle marques named here are the trade marks of their respective owners.
In the episode below, Georgina walks through how a guaranteed future value is agreed on a Bentley, and why the SUV gets one far more easily than a twenty-year-old coupe.
How much is a Bentley a month on PCP?
Work it through on that Bentayga. The list price is £176,000. A 20 per cent deposit is £35,200, which leaves £140,800 to finance. The guaranteed final payment is 45 per cent of the full price, £79,200.
Because that final payment is not due for 48 months, the monthly payments only have to cover what it is worth in today’s money. At an indicative nominal rate of 8.9 per cent, the monthly rate is 0.7417 per cent and the discount factor over 48 months is 0.7014. So £79,200 multiplied by 0.7014 is £55,550. Take that away from the £140,800 financed and £85,250 is left to repay through the monthly payments. Each pound of that costs 0.024838 a month over 48 months, which gives £2,117 a month.
On hire purchase, with nothing deferred, the same Bentayga costs £3,497 a month. The PCP saves £1,380 a month, and in exchange there is a £79,200 payment at the end that you can pay, refinance or walk away from.
| Model | List price | PCP a month | Hire purchase a month | Monthly saving |
|---|---|---|---|---|
| Bentayga | £176,000 | £2,117 | £3,497 | £1,380 |
| Flying Spur | £180,000 | £2,166 | £3,577 | £1,411 |
| Continental GT | £200,000 | £2,406 | £3,974 | £1,568 |
One honest caveat. These figures use the same indicative 8.9 per cent for both agreements, so they compare like with like. A real PCP usually prices a little above the equivalent lease purchase, because the lender is carrying the risk on the final figure and charges for it.
Who sets the guaranteed future value?
The lender does, and it works from one thing: its view of the used market for that model, at that age, at the mileage you agree. It looks at how comparable cars have traded, adjusts for the specification and sets a figure it is confident the car will clear at the end. It is a commercial judgement, not a forecast it expects to lose money on.
That is where the question of why Bentleys lose value so quickly comes in. The steepest part of a new Bentley’s fall happens in its first few years, as first-owner specification and running costs weigh on the used price. A guarantee is, in effect, insurance against that fall. It is worth most on a new car, where the drop is largest and hardest to call, and it is worth least on an older one, where the drop has already happened.
A guaranteed future value is a promise about a car four years from now, and a lender only makes promises it has evidence for.
The Flying Spur is the clearest case. It loses money faster than the coupe in its first few years, so a guarantee on a new Spur protects you against more. The flip side is that a lender sets the figure with that in mind, so the saving on the monthly payment is not always as large as the list price suggests.
Why the Bentayga is the easiest Bentley to place on PCP
Volume. Bentley launched its first SUV in 2015 and it now makes up a large share of annual production, so lenders have a deep pool of recent sales to compare against. That lets them commit to a future value without much argument, and it is why the Bentayga is the car we can place on PCP most readily.
The Continental GT comes next, again because there are plenty of them. The Flying Spur follows, with the caveat above about its early depreciation.
The picture changes on the limited cars. Manufacturer data puts the Continental GT Speed Edition 12 at a 120-car run, listed at £250,000. With so few comparable sales, a lender may decline to guarantee a future figure at all, or set one low enough that most of the monthly saving disappears. On the coachbuilt cars, the eighteen Baturs and twelve Bacalars, a PCP is simply not a realistic ask. If anyone offers one on a car like that, check the paperwork: it is usually lease purchase, where the final payment risk stays with you.
Where PCP stops: the older generations
Move back through the Continental GT’s four generations and the PCP option fades out. A recent third-generation car may still attract a guarantee, depending on its age and mileage at the end of the term, because a lender has to picture what the car will be worth when it is twelve or thirteen years old. A second-generation or first-generation car will not. Nor will a Mulsanne, an Arnage or a Turbo R.
That is not a problem. On an older Bentley the reason for a guarantee has largely gone, because the car has already done most of its depreciating. The nearest alternative is lease purchase with a more modest final payment. Take a hypothetical third-generation Continental GT at £95,000 with 35 per cent, £33,250, deferred to the end: that works out at £1,308 a month against £1,888 on hire purchase, and the risk on the final figure is yours rather than the lender’s. For most pre-2010 cars, hire purchase is the plainer and cheaper choice.
Deposit, term, mileage and the return condition
A PCP has more moving parts than hire purchase, and two of them carry more money than the rate.
Deposit. Between 10 and 20 per cent is the usual starting point. A bigger one lowers the payment and often the rate. Positive equity in a car you already own counts.
Term. Our examples use 48 months. A shorter term raises the guaranteed figure, because the car is younger when it comes back, but the payments are spread over fewer months.
Mileage. You agree an annual allowance at the start, and the guarantee depends on it. Go over and the lender charges for the excess, which erodes the protection you paid for.
Return condition. If you hand the car back, it is inspected against the standard in the agreement. On a Bentley, with paint and hide at this level, marks that look minor can be costly. Read the mileage figure and the condition wording before you read the rate.
If the car is worth more than the guarantee at the end, that equity is yours. You can use it as the deposit on the next car, sell the car and keep the surplus, or pay the final figure and keep it.
Personal PCP or company PCP?
A PCP can be written to you personally or to a limited company, and the difference is regulatory. A personal PCP is regulated consumer credit, and under the Consumer Credit Act 1974 it carries the right of voluntary termination: once 50 per cent of the total amount payable has been paid, you can hand the car back. Where a case is regulated, we introduce it to an FCA authorised broker partner, and that firm carries the advice.
A PCP written to a company wholly or predominantly for business purposes is not regulated consumer credit, so that right does not apply, and we arrange it directly. We tell you which route your case takes at the outset.
Bentley PCP in 2026: the outlook
The Bank of England held Bank Rate at 3.75 per cent at its 30 July 2026 decision, with the next announcement due on 17 September 2026. Treat that as background, not as the rate you pay: lenders price a PCP on their own funding and on the risk in the guarantee, which is why our examples use an indicative 8.9 per cent. The more important variable for a Bentley PCP is used values on the current range, because they set every guaranteed figure a lender will offer this year.
FAQ
How much is a Bentley a month on PCP? On the indicative assumptions here, a Bentayga at £176,000 is £2,117 a month, a Flying Spur at £180,000 is £2,166 and a Continental GT at £200,000 is £2,406, each with a 20 per cent deposit, 48 months and 45 per cent guaranteed at the end.
Why do Bentleys depreciate so fast? The first owner pays for a highly personal specification, running costs are high and many buyers at this level want the newest car, so the sharpest fall comes early. After that the curve flattens, which is why an older Bentley is a very different finance proposition.
Can I finance a used Bentley on PCP? Sometimes. A recent Bentayga or Continental GT often qualifies. An older or low-volume car usually does not, and lease purchase or hire purchase is the better fit.
Does Bentley have a good finance programme? Bentley Financial Services, the manufacturer’s own finance arm, is worth a quote on a new car bought from a retailer. It works to a fixed template, so older cars, private sales and complex incomes often sit outside it. Getting a specialist quote alongside it costs nothing.
Talk to us
If you are pricing a car and want to know whether a guarantee is on offer, and at what figure, start with our page on Bentley PCP. If the final figure risk does not worry you, see how lease purchase compares, and for the SUV itself read our notes on Bentayga finance. See also: hire purchase on a Bentley you plan to keep.
All figures in this article are indicative, not an offer, a quote or a financial promotion, and any agreement is subject to lender terms, valuation and full underwriting. This article was written by Matt Lenzie.