How do I know which finance product to choose?

Determining the best finance product really depends on each individual's specific circumstances and requirements. The best way to determine which product will suit you is to review the product descriptions you find on this website, use our finance calculator to determine some estimates and speak to one of our finance representatives who will be happy to answer any questions you may have as well as provide you with any additional information you may require. (*Customers should also consult their accountant for specific advice.)

Can I finance another brand of vehicle?

Yes, you can finance any brand of vehicle through Bentley Motors Finance. We are part of the group Volkswagen Financial Services Australia who provides automotive finance for Volkswagen, Audi, Bentley and Lamborghini. At Volkswagen Financial Services Australia Pty Ltd we understand that sometimes people fall in love with other brands. But buying a different make of car doesn't mean you have to miss out on our financial expertise. All you need to do is either ask your local dealer about Volkswagen Financial Services Australia Ltd or anyone of our brands Volkswagen Finance, Audi Finance etc. or contact us directly on 1300 734 567 for more information.

Why aren't all Bentley dealers listed as preferred dealers?

Not every Bentley Dealership chooses to use Bentley Motors Finance as their primary financier - some dealerships use banks, credit unions or other financiers. As time goes by, however, more and more Bentley Dealerships are choosing Bentley Motors Finance as their financier of choice due customer demand as well as the exceptional service that they can provide their customers as a result of our products and services. From time to time Bentley Motors Finance run special promotions or programs at these times Bentley Motors Finance and all Bentley dealerships work together to deliver these to you.

What are your interest rates?

Bentley Motors Finance don't apply a generic interest rate for every type of buyer. We tailor our interest rate to meet your requirements according to the age and type of vehicle you wish to finance, the term of the finance over which you borrow, your credit history as well as other factors. This means that your finance package can be tailored specifically to your requirements.

Are your interest rates fixed or variable?

Our interest rates are fixed for the entire length of your contract term, meaning that you will always know what your financial commitments are to help you with budgeting purposes and protect you from any market increases.

Do you have any hidden fees?

We require an upfront establishment fee to set up your finance contract but we do not charge any ongoing  or account keeping fees. Other charges only apply where you operate your account outside the initially agreed terms and these are all disclosed in the Terms and Conditions booklet which is available at your local Bentley Motors Finance dealership.

What is the difference between a residual and a balloon?

A balloon payment is the lump sum payment which is due at the end of the loan contract should a customer choose to include a balloon in their finance option.

A residual value is the estimated value of the asset at the end of the lease contract should a customer choose to include a residual in their finance option. The residual is due at the end of the contract. A residual value attracts a charge of GST.

Both residuals and balloon payments help to lower your monthly loan repayments throughout the term and are due as a lump sum payment at the end of the contract. Some of the options at the end of the term include:

• Refinance the balloon or residual at the end of the term
• Sell or trade in your vehicle and use the subsequent funds to make the final payment and finance a new vehicle.

Some customers choose to refinance the balloon or residual at the end of the term if they are maintaining ownership of their asset and keeping it longer than they expected.  As always, you should consult your accountant for more specific information.

Does your calculator provide the basis for an offer or quote?

No our finance calculator should be used for indicative purposes only. It is designed only as a guide, you should request a formal quotation through our website Request a Quote form or visit your nearest Bentley Motors Finance Preferred Dealership for a quotation before making any decisions. The calculator does not include any dealer delivery, stamp duty, GST charges or on-road expenses.

What is stamp duty?

Stamp duty is a state government tax on your agreement by the government for state revenue purposes