2018-2020 used (first-model)
$320,000First-model Cullinan through Continental Cars. Standard and early Black Badge spec. Complete Continental Cars service history matters materially for specialist-lender pricing.
Weekly
$1,462.24
Monthly
$6,336.38
Rolls-Royce model
Rolls-Royce Cullinan finance calculator
The Rolls-Royce most commonly financed through trust and company structures in NZ.
Last reviewed: 23 April 2026
Your estimated repayment
Weekly
$2,376/week
$4,752 /fortnight $10,297 /month
$520,000
$0
7.00% p.a.
5 years
Apply for a formal estimate
We are not a finance company. Indicative only. Not a quote or offer of credit. Actual rates, fees, and repayments depend on your circumstances and the lender's decision.
Rolls-Royce Cullinan finance calculator Not a lender. Not a broker. Financing a Rolls-Royce Cullinan in New Zealand
The Cullinan is Rolls-Royce's ultra-premium SUV and the Rolls-Royce variant that does most of the brand's business-structured finance work in New Zealand. Current NZ-new stock through Continental Cars covers the standard Cullinan and the Cullinan Black Badge, both running the 6.75L twin-turbo V12. Cullinan applications cluster around trust and company chattel mortgages because the SUV body type fits naturally into a business-use profile and the GST claim on purchase (typically $90,000 to $120,000) is a material cash-flow line. Residuals hold up slightly firmer than the Ghost because ultra-premium SUV demand is broader than coupe or sedan demand, and Black Badge specification carries a firmer collector-grade profile.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
Cullinan prices and repayments, by era.
Typical NZ market prices and the weekly cost of financing each. All figures assume 7% over 5 years with no deposit. Indicative only; open the full calculator to pre-set your own rate and term.
2021-2023 used (revised interior)
$460,000Updated cabin spec and expanded Black Badge options. Strong ex-trust private-sale supply entering the used market through Continental Cars.
Weekly
$2,101.97
Monthly
$9,108.55
2024-2025 used (Series II facelift)
$620,000Post-facelift Series II with revised lighting, updated interior display, and expanded Bespoke commission options. Black Badge carries firmer residuals.
Weekly
$2,833.09
Monthly
$12,276.74
2026+ new
$720,000Current NZ-new Cullinan Series II through Continental Cars Auckland. Bespoke commission elements regularly add $80,000 to $200,000 to base price depending on specification.
Weekly
$3,290.05
Monthly
$14,256.86
Who this suits
Who buys a Rolls-Royce Cullinan?
- Trust-structured principal buyers wanting an ultra-premium SUV that accommodates family, ski-trip luggage, and executive travel within a single vehicle held on a company or trust balance sheet.
- Business-owner buyers structuring the Cullinan through a company chattel mortgage with GST claim, depreciation, and FBT treatment modelled by the accountant from the outset.
- Buyers cross-shopping the Bentley Bentayga Mulliner or the Mercedes-Maybach GLS 600 where Rolls-Royce craftsmanship and presence tip the decision.
Financing notes
What financing a Cullinan usually looks like.
At $520,000 across a 4-year term at an indicative 8.5%, weekly repayments land around $2,970, or $12,880 a month. Trust and company buyers structuring the Cullinan through a chattel mortgage can claim the GST on purchase (around $67,826 inside a $520,000 used price) and deduct finance interest across the term. On new Cullinan stock through Continental Cars, expect a 35 to 40% deposit requirement from the specialist lender panel or private-banking line.
Model-specific questions
Rolls-Royce Cullinan finance FAQ.
Is the Cullinan Black Badge worth the step up from the standard Cullinan on finance?
It depends on use and structure. Black Badge carries roughly a $90,000 to $150,000 premium over the standard Cullinan new, with darker exterior trim, upgraded V12 output, and stiffer chassis tune. Residuals on Black Badge hold up slightly firmer because supply is thinner. Business-structured buyers typically justify the premium through the depreciation outcome; personal the full weekly cost, including the tyre and fuel deltas, is where the premium actually shows.
Can a family trust claim the GST on a Cullinan purchase in NZ?
Yes, if the trust is GST-registered and the Cullinan is used for business purposes. The GST on the purchase price (typically $90,000 to $120,000 on a new Cullinan) is claimable through a chattel mortgage structure. Fringe-benefit tax applies on the private-use portion driven by the trustee or beneficiary, and FBT can exceed $20,000 to $35,000 a year on the valuations involved. An accountant review before signing is essential because the structure can move material cash across the term.
How is a Rolls-Royce Cullinan financed in New Zealand?
Through specialist lenders, usually over a short term with a very large deposit, and often inside a company or trust structure. The assessment rests on the applicant's overall position, because a car at this value has a resale market of a handful of buyers nationally.
Does a Cullinan need agreed-value insurance?
Comprehensive cover is a lender requirement, and at this value an agreed-value policy is the normal arrangement rather than market value. The premium is a substantial annual figure and belongs in the picture before settlement.
You might also want
Keep exploring
A formal estimate on a Rolls-Royce Cullinan.
Our finance partner compares multiple NZ lenders. Calculator inputs travel through to the application, and the partner returns a formal estimate after the lender's credit assessment.