Bentley Bentayga Finance in 2026: The SUV and the Flying Spur Compared
£4,000. That is the gap between a Bentayga at £176,000 and a Flying Spur at £180,000, and on hire purchase it comes to £80 a month. A buyer torn between the SUV and the saloon could fairly conclude that finance has no bearing on the choice. It has more than those figures suggest, because the two cars age differently. The Bentayga has sold in greater numbers than any other current Bentley, so lenders have a clear idea of what one is worth at four years old and will commit to a final payment, or a PCP guarantee, without much argument. The Flying Spur tends to lose value faster in its early years, which counts against anyone financing a new one with a large deferred sum and in favour of anyone buying one used. This article runs the numbers on both cars, explains why a lender sees them differently, and sets out which agreement suits each.
Bentley Finance is part of Hypercar Finance, 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, and that firm carries the regulated activity and any advice. There is no minimum advance. 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 the Bentayga and the Flying Spur side by side, and why a lender treats them differently.
How much is a Bentley Bentayga a month?
This worked example is hypothetical and indicative, using the standard assumptions on our site: a 20 per cent deposit, 48 months and an 8.9 per cent nominal rate.
The Bentayga lists at £176,000, so the deposit is £35,200 and £140,800 is financed. The monthly rate i is 0.089 / 12 = 0.0074167, and (1 + i) to the power of minus 48 is 0.70139.
- Hire purchase: £140,800 x 0.0074167 / (1 minus 0.70139) = £1,044.27 / 0.29861 = £3,497 a month, and the car is yours after the last payment.
- Lease purchase with 45 per cent deferred: the final payment is £79,200, and its present value is £79,200 x 0.70139 = £55,550. The monthly payment is (£140,800 minus £55,550) x 0.0074167 / 0.29861 = £632.27 / 0.29861 = £2,117.
Deferring £79,200 saves £1,380 a month and leaves a single payment to settle, sell against or refinance at the end. The standard car’s 542 bhp twin-turbo V8 sits at the base of the range, with S and Speed versions and an optional four-seat executive rear cabin above it, and the price climbs with each, so your own figure will differ. The model detail is on the Bentayga model page.
Bentayga or Flying Spur: the numbers side by side
| Item | Bentayga | Flying Spur |
|---|---|---|
| List price | £176,000 | £180,000 |
| Engine | 4.0 litre twin-turbo V8, 542 bhp | 4.0 litre twin-turbo V8 hybrid, 771 bhp |
| 0 to 62 mph | 4.4 seconds | 3.5 seconds |
| Deposit at 20 per cent | £35,200 | £36,000 |
| Amount financed | £140,800 | £144,000 |
| Hire purchase, 48 months | £3,497 a month | £3,577 a month |
| Final payment at 45 per cent | £79,200 | £81,000 |
| Lease purchase, 48 months | £2,117 a month | £2,166 a month |
On the arithmetic alone the gap is £80 a month on hire purchase and £49 a month on lease purchase. The Flying Spur brings the hybrid powertrain it shares with the Continental GT, 771 bhp against 542, and a rear cabin built for being driven in. The Bentayga brings the SUV body and, from a finance point of view, the easier car to place. Both model pages carry the full working, with the Flying Spur figures set out the same way as the Bentayga’s.
Why lenders find the Bentayga easier to price
A lender writing lease purchase is committing to a view of what the car will be worth when the final payment falls due. On a PCP it goes further and guarantees that figure. Either way it needs evidence, and the Bentayga supplies more of it than any other Bentley. Bentley launched its first SUV in 2015, and according to manufacturer data the Bentayga now accounts for a large share of the marque’s annual production. That volume creates a deep pool of comparable used sales across ages, engines and mileages.
The practical result is that a Bentayga is the easiest Bentley to place on PCP, and a lender will usually set its deferred figure without much debate. That is the benefit of a car that ages slowly and has sold in numbers: a lender can look four years ahead with some confidence.
Between these two cars the monthly payment barely moves; what moves is how confidently a lender can price the car four years out.
The Flying Spur: faster early depreciation, and who that suits
The Flying Spur tends to lose value faster than the Continental GT coupe in its first few years. For someone buying new on lease purchase or PCP, that can mean a more cautious final payment than the 45 per cent used in the table, which lifts the monthly figure. Our worked example applies the same percentage to both cars so the comparison is like for like; real quotes on the two cars may not.
For a used buyer the same fact is good news, because an earlier owner has already absorbed the steepest part of the fall. The current-generation saloon has been built since 2020, first with the W12 and later with the V8 and the V8 hybrid, and the second generation of 2013 to 2018 sits well below it on price. The original Continental Flying Spur of 2005 to 2012 is one of the least expensive ways into a W12 Bentley, with running costs that are anything but.
Hire purchase, lease purchase or PCP on a Bentayga?
Hire purchase suits a buyer who intends to keep the car, which on a Bentley is most buyers. It costs the most per month and leaves nothing to settle. Lease purchase lowers the payment by deferring a final sum you are responsible for, so if the car is worth less than £79,200 at the end, the shortfall is yours. A PCP looks similar on the monthly figure, but the lender guarantees the final value and you can hand the car back instead of paying. That protection is priced into the rate, so a real PCP usually costs a little more than the lease purchase figure above.
The route also depends on who signs. A company buying a Bentayga for business use signs an agreement outside the regulated regime of the Consumer Credit Act 1974, and we arrange that directly. An individual buying for private use signs regulated consumer credit, which we introduce to an FCA authorised broker partner. Only the regulated agreement carries statutory rights such as voluntary termination.
A used Bentayga: the first generation
The launch Bentayga, built from 2016 to 2020, came with the W12, the V8 and a short-lived diesel. There is no list price any more, so the finance follows what the car is worth today, and with so many sold a lender has plenty to compare against. Take a hypothetical first-generation car valued at £90,000, an illustrative round number rather than a market price. A 20 per cent deposit is £18,000, £72,000 is financed, and hire purchase over 48 months at 8.9 per cent comes to £1,788 a month. Because the used evidence is so deep, lease purchase is still realistic on a younger example.
Outlook for Bentayga finance in 2026
The Bank of England held Bank Rate at 3.75 per cent at its 30 July 2026 decision and is due to decide again on 17 September 2026. It is background to lender funding costs, not the rate on a Bentayga agreement. Closer to home, the Flying Spur and Continental GT have moved to V8 hybrid power, while the standard Bentayga in our figures keeps a conventional twin-turbo V8. For now that leaves the Bentayga as the current Bentley with the most settled used values, which is exactly what a lender setting a final payment wants to see.
FAQ
How much is a Bentley Bentayga per month? At the £176,000 list price, with a 20 per cent deposit over 48 months at an indicative 8.9 per cent, it is £3,497 a month on hire purchase, or £2,117 with 45 per cent deferred to a £79,200 final payment. Higher specification versions cost more, and a used first-generation car costs considerably less.
What is the 50% rule for car finance? It refers to voluntary termination under the Consumer Credit Act. On a regulated hire purchase or PCP agreement, a borrower can return the car once half the total amount payable has been paid. On a Bentayga, half the total amount payable is a large sum, and the right does not exist at all on an unregulated business agreement.
What car is a poor man’s Bentley? It is an old nickname rather than a finance category, and people pin it on different cars. From a finance angle the most direct answer is a used Bentley. A first-generation Bentayga or an original Continental Flying Spur costs a fraction of a new car, and the smaller advance brings the monthly payment down with it, though the running costs stay those of a Bentley.
Are any car dealers offering 0% finance on a Bentayga? We are not a dealer and cannot speak for any retailer’s current offers. Subsidised rates do appear on new cars from time to time, usually paid for by the manufacturer or the retailer, and the cost normally sits elsewhere, in the price, the deposit contribution or the final payment. Bentley Financial Services, the manufacturer’s own finance arm, is worth a quote on a new car. Compare the total amount payable, not the headline rate.
Talk to us
If you are choosing between the SUV and the saloon, send us the specification and how long you plan to keep the car, and we will run both. Start with Bentley Bentayga finance and set it against Flying Spur finance on the same assumptions. See also how a PCP on a Bentley guarantees the final value.
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.