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How to finance a Land Rover

Invest in a luxury SUV you can take from the streets to the trails.

Land Rover has been a beacon of 4×4 driving since its inception in 1948 — its vehicles have even been used by the British and Australian armed forces. If you’re ready to get behind the wheel of one of these luxury SUVs yourself, you have several financing options to consider. But unlike other car brands, it doesn’t offer any special buyer programs.

How can I finance a Land Rover?

Land Rovers are luxury vehicles, and their price reflects that. Since you likely need help with financing, you might want to look into your car loan options from banks, credit unions and online lenders first. While these generally offer better rates than dealer financing, you’ll have to spend more time comparing loan offers — which means filling out multiple preapproval forms.

Taking out a personal loan is another option, though your choice of lenders will be limited. Most banks, credit unions and online lenders cap their personal loans at $50,000 — which may not be enough to cover the full cost of your new Range Rover. This type of loan is usually more expensive, too, since it won’t be backed by the car you’re buying.

Financing through Land Rover itself may be the quickest alternative. You can pick out your car and drive it home the same day — but you’ll likely pay for this convenience with less competitive rates. Land Rover partners with Chase Bank to offer both financing and leasing options:

  • Financing through Land Rover Financial Group. Land Rover offers financing through its authorized dealers to take the hassle out of the car-buying experience. While promotions vary depending on where you live, past deals include 1.9% APR financing for three years on the Range Rover Evoque and $3,000 off the retail price.*
  • Leasing through Land Rover Financial Group. If driving a car with the most up-to-date features is important to you, then leasing a Land Rover may be your best bet. Monthly costs are lower, and while you won’t own your SUV at the end of your term, you can upgrade to the latest model every few years. Past deals include leasing the Range Rover Evoque for $359 a month for 39 months with $3,495 due at signing — plus $1,000 off the retail price.*

No matter what you choose, your exact rates and terms will depend on your financial situation and credit history.

*Rates as of November 29, 2018.

Compare car loans for financing a Land Rover

Name Product Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
Go to site
CarsDirect auto loans
No minimum credit score
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.

Does Land Rover offer special discounts or programs?

No. Unlike many other car brands, Land Rover doesn’t offer any car-buyer programs for military veterans, college graduates or business owners. Unfortunately, this means you won’t be able to take advantage of special discounts to lower the cost of your new Range Rover.

What will a new Land Rover cost me?

Having a general idea of how much you’ll need to borrow can help you compare loan offers to find the best deal. Below are the manufacturer suggested retail prices (MSRPs) of Land Rover’s 2019 models. Your exact price will vary based on where you live and your negotiation skills.

2019 Land Rover modelStarting MSRPBodyCity/highway MPG
Discovery Sport SE$37,795SUV21/25
Range Rover Evoque SE$41,800SUV22/29
Range Rover Velar P250$49,600SUV21/27
Discovery SE$52,600SUV16/21
Range Rover Sport SE$67,050SUV17/23
Range Rover$89,160SUV16/21

Does a new Land Rover come with a warranty?

Yes, every new Land Rover is covered by a four-year, 50,000-mile new vehicle limited warranty, a six-year corrosion perforation warranty with unlimited miles and various emissions warranties.

While your vehicle is under warranty, you also have access to roadside assistance, which includes around-the-clock help if you get a flat tire, run out of gas, get locked out or your battery dies. You’re also covered for emergency towing and trip reimbursement for qualifying expenses.

Bottom line

If you’re looking for an SUV that effortlessly combines luxury and utility, a Land Rover could be for you. While applying for a car loan from a bank or online lender will likely get you lower rates, financing directly through Land Rover Financial Group could get you behind the wheel faster.

To compare lenders and learn more about the application process, read our car loans guide.

Frequently asked questions

Image source: shutterstock

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Kellye Guinan is a freelance editor and writer, specializing in consumer lending. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. She holds degrees in anthropology and German language and literature from Middle Tennessee State University. See full bio

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Kellye has written 132 Finder guides across topics including:
  • Personal, business, student and car loans
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