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How to finance a Lotus

Get help footing that $100K bill for your fancy ride.

Lotus Cars is well known for its premium brand of sports and racing cars that come with a high price tag. Buying its most recent model, the 2018 Evora 400, can run you over $100,000 after additional features. Luckily, you have several financing and leasing options to choose from.

How can I finance a Lotus?

When you’re looking to get behind the wheel of a new Lotus, you can typically find more favorable rates with an auto loan from a bank, credit union or online lender. However, this is the most time-consuming option, since you’ll need to fill out multiple prequalification forms to find the best offer out there.

Prefer speed over lower rates? Then you might want to consider financing or leasing directly through an authorized Lotus dealership.

  • Lotus financing. Buying your new Lotus at the dealership is one of the fastest and easiest routes, however it might come with higher interest rates. Current offers include 3.9% APR financing on the 2018 Evora 400 Coupe for 72 months. Prices may vary based on model and dealership.*
  • Lotus leasing. If you don’t want to be chained to the same Lotus forever, you may want to consider saving money by leasing one. Check with your local Lotus dealership to see what leasing deals they might offer.

*Rates as of May 28, 2019.

Compare car loans to buy a Lotus

Name Product Filter Values Minimum credit score APR Loan term Requirements
PenFed Auto Loans
Starting at 1.79%
3 to 7 years
Active membership with PenFed
Low APR car loans from a well-known credit union.
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
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.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
Good to excellent credit
Starting at 1.99%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out. Car Loans
1.89% to 27%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

Compare up to 4 providers

What will a new Lotus cost me?

Lotuses don’t come cheap. Expect to pay at least $90,000 — if not more depending on how tricked out you want it. Here’s how the costs break down for two of its 2018 models:

Evora 400

  • Starting MSRP: $94,900
  • Build: Sports car
  • City/highway MPG: 21/39

Evora 400 Coupe

  • Starting MSRP: $89,900
  • Build: Coupe
  • City/highway MPG: 21/39

Does a new Lotus come with a warranty

Yes, all new Lotus cars come with a warranty that lasts for three years or 36,000 miles — whichever comes first. In addition, you’ll receive up to eight years of coverage against perforation on the car’s chassis. Certain Lotus racing models may have different warranties, so you should consult with your local Lotus dealership for more details.

Does Lotus offer special discounts or programs?

No, Lotus doesn’t feature any special discounts or programs on its website. However, you should still check with your local dealership, as it might have its own promotional offers on Lotus models.

Bottom line

Lotus is a luxury car brand — and its prices reflect this. But you have a few options to help you foot the bill. While financing straight at the dealership might be quicker, you can potentially save more by taking out a car loan through a bank or online lender.

Ready to get started? Read our guide to car loans to learn more about how they work and compare your options.

Frequently asked questions

Pictures: Getty Images and Lotus official page

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