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How to finance a Lamborghini
Drive away in one of the world's most famous supercars.
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.
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.
You can customize your vehicle in person at the Ad Personam Studio located in Lamborghini’s headquarters in Sant’Agata Bolognese (Northern Italy).
The studio offers displays of all the different textures, materials and colours available for your car and allows you to play with different designs using a digital car configuration simulator.
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:
|Model||Starting MSRP (USD)||Build||City/highway MPG|
|2019 Urus||$200,000||Super SUV||12/17|
|2019 Centenario||$1.9 million||Supercar||11/18|
|2013 Veneno Roadster||$9.5 million as of 2019|
(originally $4.5 million when models
were first released in 2013-2014)
Representative example: Ramon buys a Lamborghini
Ramon, a resident of B.C., has come into financial success as a major investor in an enormously profitable tech startup. He wants to fulfill a lifelong dream of owning a Lamborghini and finds a private buyer who’s willing to sell him a gently used 2017 Aventador SV with a Blu Cepheus exterior for $545,000.00. Ramon provides the seller with a 20% deposit of $109,000.00 to hold the vehicle while he secures the rest of the financing.
Ramon applies for a loan from a private lender to cover the outstanding amount ($436,000.00) plus 20% GST/PST on the selling price (expensive cars are taxed at a higher rate in BC). Thanks to his solid credit history and high income, he is approved. Ramon also pays around $50.00 to register his car with the Insurance Corporation of British Columbia (ICBC) – this includes the cost of a license plate, insurance decal, vehicle permit and registration fee.
|Cost of new vehicle||$545,000.00|
|Loan type||Auto loan (term loan)|
|Interest rate (APR)||5.90%|
|Loan term||8 years|
|Additional fees||3.00% origination fee ($16,350.00)|
$0.00 application fee (waived by dealership)
|Payment||$6,804.32 monthly or $3,137.21 biweekly|
|Total loan cost||$653,214.72 with monthly payments or $652,539.68 with biweekly payments|
*The information in this example, including rates, fees and terms, is provided as a representative transaction. The actual cost of the product may vary depending on the retailer, the product specs and other factors.
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.
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.
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