How Much to Lease a Bentley in 2026

Two Bentleys, one set of assumptions

Luxemetry's 36-month, 10,000-mile estimates at a 0.0027 money factor (6.48% comparison shorthand, not loan APR): Continental GT about $4,203 a month, Bentayga about $3,045. Those are not dealer quotes.

All figures assume 36 months, 10,000 miles per year, a 0.0027 money factor (6.48% comparison shorthand, not loan APR), and Luxemetry's modeled market adjustment. Due at signing is the calculator's 10% down payment plus fees and the first month.

Both cars are modeled below sticker — 5% off the Continental GT, 6% off the Bentayga. Bentley is a volume luxury brand next to the allocation marques, and volume means the transaction price is negotiable in a way a Ferrari's is not.

• Continental GT. MSRP $302,000. Residual 52% ($157,040). Market adj. −5%. About $4,203 a month. Due at signing $35,603.

• Bentayga. MSRP $219,000. Residual 51% ($111,690). Market adj. −6%. About $3,045 a month. Due at signing $26,145.

The options problem, and why the lease absorbs it

Bentleys leave the factory heavily optioned, and the used market pays for very little of it. A $60,000 specification difference can be worth under $15,000 three years later. In a purchase, that gap is yours: roughly $45,000 of the option spend is simply gone.

A lease runs different arithmetic. The residual percentage is applied to the full MSRP, options included. On a Continental GT, the bank credits option content at 52% at term end — $31,200 of that $60,000 spec survives inside the residual, against under $15,000 in the open market.

You still pay depreciation and rent on the options like the rest of the car. But the roughly $16,000 gap between what the bank credits and what the market would have paid is the bank's loss, not yours, and it is a loss you hand back with the keys.

This is the quiet reason a specced Bentley is a better lease than a purchase, and a purchase is better kept close to base. The residual cannot tell Mulliner hide from standard leather. The used market can, and it does not care.

Continental GT and Bentayga

The Continental GT is the definitive modern grand tourer, and at a 52% residual on a $302,000 sticker the lease covers about $100,755 of depreciation over the term. About $4,203 a month, $35,603 due at signing, at a modeled 5% discount.

The Bentayga is Bentley's best-selling model worldwide, and volume works against retention: a 51% residual, with Luxemetry's modeled market retention at 58% after three years. About $3,045 a month, $26,145 due at signing.

What the lease does not remove is the running cost. Air suspension and brake work on a Bentayga runs several times what an equivalent SUV costs, and none of that is in these figures. The payment rents the depreciation; the maintenance stays yours.

Payment as a share of sticker is 1.39% on both cars — identical, which is what you would expect from two cars one brand prices with residuals a point apart and discounts a point apart.

Reading a Bentley worksheet

Start from the discount, because at Bentley there is one. The model assumes 5% to 6% under sticker; a worksheet at MSRP means the negotiation has not started yet, not that the car cannot be discounted.

Then the usual five inputs: capitalized cost, residual for the exact term and mileage, money factor, term, allowance. Run them through the lease calculator and reconcile any gap between the formula and the worksheet before signing.

If the car is heavily specced, get the residual statement in writing with the full MSRP on it. The options only enjoy the 52% credit if they are inside the MSRP the residual is calculated from — dealer-installed extras are not.