How to finance a Lamborghini

Lamborghini is an Italian car manufacturer known for its luxury sports cars. A new Lambo is the ultimate status symbol — and it’ll come with the price tag to prove it. Luckily, there are a few ways to finance one of these supercars.

How can I finance a Lamborghini?

If you’re looking to buy a Lamborghini, you have four financing options to choose from:

• Secured car loan. Banks, credit unions and online lenders all offer secured car loans, which use the vehicle you’re buying as collateral. This means your Lamborghini may be seized by your lender if you default on the loan. While this won’t be your fastest option, comparing offers from different lenders could help you secure a lower interest rate and better terms. If your credit isn’t great, this is probably your best option.
• Unsecured car loan. If you don’t want to use your vehicle as security, you can opt for an unsecured car loan from a bank, online lender or credit union. These are generally hard to come by for expensive cars, however, and come with higher interest rates since there’s more risk for the lender.
• Financing through Lamborghini Financial Services. You may be able to finance your car directly through an authorized Lamborghini car dealer. This is typically the easiest and fastest option — you can often pick out your car and drive home the same day. However, you might not find as competitive interest rates as you would if you’d secured financing from a bank or online lender on your own.
• Leasing through Lamborghini Financial Services. If you don’t plan to keep your car for more than a few years, you might want to consider leasing instead of buying. With a lease, you drive the car for a set period of time — typically 3-5 years. Rates can start at around $3,600 a month. When your term is up, you can buy the Lambo, upgrade to a newer model or end the lease altogether.

As with all loans, the rates and terms you qualify for will depend on your credit history and personal financial situation.

Compare car loans to finance a Lamborghini

Since the price of a Lamborghini typically sits well into six digits, you’ll likely need a fair amount of savings on hand to cover any amount that a car loan won’t. Car loans usually max out around $75,000 – $100,000.

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Name	Product	Min. Loan Amount	Interest Rate	Loan Term	Min. Credit Score	Requirements
Car Loans Canada		$7,500	3.99% to 29.95%	12-84 months	300	Min. income of $2,000 /month, 3+ months employed	Search thousands of vehicles online, including $0 down options, from dealers across the country and get matched with affordable financing options. Auto loans are also available to those with bad credit, consumer proposals and bankruptcies to help rebuild credit.	Go to site More Info	Compare	loading Fetching your data...
CarsFast Car Loans		$500	4.90% to 29.90%	12-96 months	300	Min. income of $1,800 /month, 3+ months employed	Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs. Apply online to purchase a new or used vehicle and get the vehicle delivered to your door.	Go to site More Info	Compare	loading Fetching your data...
Loans Canada Car Loans		$500	0% to 29.99%	3-96 months	300	Min. income of $1,800 /month, 3+ months employed	Get access to financing from multiple lenders across Canada through a single application with Loans Canada. Bad credit, CERB and EI borrowers are considered.	Go to site More Info	Compare	loading Fetching your data...
Canadian Auto News		$7,500	4.49% to 29.90%	12-84 months	300	Min. income of $2,000 /month, 3+ months employed	Answer a few simple questions to get matched with affordable financing options. Auto loans are also available to those with bad credit, consumer proposals and bankruptcies to help rebuild credit.	Go to site More Info	Compare	loading Fetching your data...
Canada Auto Finance		$500	4.90%-29.95%	3-96 months	300	Min. income of $1,500 /month, 3+ months employed	Canada Auto Finance is a broker that connects borrowers with partnered local lenders. Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.	Go to site More Info	Compare	loading Fetching your data...
Carloans411 Car Loans		$500	1.90% to 19.99%	Up to 72 months	300	Min. income of $1,600 /month, 3+ months employed	Get connected with suitable lenders through CarLoans411. Finance your next car, van or truck with loans available in amounts from $500 to $50,000. Check eligibility for this loan through LoanConnect.	Go to site More Info	Compare	loading Fetching your data...
LoanConnect Car Loans		$500	9.90% to 46.96%	3-120 months	550	No min. income requirement	Get access to 25+ lenders through LoanConnect's brokerage. Receive pre-approval in as fast as 60 seconds and get your funds in as little as 24 hours.	Go to site More Info	Compare	loading Fetching your data...
Fairstone Secured Personal Loan		$5,000	19.99% to 23.99%	36-120 months	560	Established credit history and own your home	Fairstone offers secured personal loans up to $35,000.	Go to site More Info	Compare	loading Fetching your data...

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Does Lamborghini offer special discounts or programs?

While Lamborghini doesn’t offer any special discounts on its luxury cars, it does have a special Ad Personam program that allows you to customize your new Huracán or Aventador to meet your unique tastes. You can choose from over 200 exterior color options — from solid and metallic hues to glitter pearlescent and matte shades. And inside your new Lambo, you can personalize the details by creating a custom color, choosing alternative leather materials and opting for hand-stitched logos on the seats.

As part of the experience, buyers are guided through the production line experience at Lambo HQ, which includes a tour of the factory where vehicles are assembled. The company truly strives to make every customer feel like a VIP member of one of the world’s greatest luxury-brand-centred clubs.

How much will a new Lamborghini cost me?

You can buy a Lamborghini for as low as $200,000, but expect to pay much, much more for an imported or limited edition car. Here are the manufacturer suggested retail prices (MSRPs) for Lamborghini’s models:

Does a new Lamborghini come with a warranty?

Yes, Lamborgini offers a standard three-year, unlimited mileage warranty on all new models that covers everything from the powertrain to the seats. On top of this, its new models also come with a 12-year warranty against rust and corrosion. Longer warranties are available for purchase.

Bottom line

A Lamborghini is known as one of the ultimate symbols of wealth, and it’s easy to see why. If you’re lucky enough to be seriously considering buying a new Lambo, shop around to make sure you’re getting the best deal on financing. With a car this expensive, even a small difference in APR (Annual Percentage Rate) can save you thousands in the long run.

Check out our guide to car loans to compare lenders and learn more about the car-buying process.

Frequently asked questions

• How can I find an authorized Lamborghini dealer near me?

  Follow these steps to find an authorized Lamborghini dealership near you (or click here and then skip to step 3):

  1. Go to the Lamborghini website and hover over Ownership in the main navigation bar.
  2. Click Locators, then click Dealer Locator.
  3. Enter your location information (city/province or postal code) and a list of dealerships near you will pop up.

• Are there any cheap Lamborghinis?

  Not really. Most used Lambos sell for hundreds of thousands of dollars, but you might be able to find an older model for as low as $115,000. However, it’ll likely be over 10 years old and require more maintenance than a newer model. Check out websites like autoTrader.ca or canadianblackbook.com see the current asking price for used models.

• How much does it cost to lease a Lamborghini?

  Lease prices vary depending on the car model you choose and where you live. On average, expect to pay between $3,500 and $8,000 per month to lease a new Lambo.