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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 get behind the wheel of 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 the lender if you default on your 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 will be 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 two to three years. And 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.

Read our review of Lamborghini Financial Services

Compare car loans to finance a Lamborghini

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

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.

How much will a new Lamborghini cost me?

You can get a new 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:


  • Starting MSRP: $200,000
  • Build: Super SUV
  • City/highway MPG: 12/17


  • Starting MSRP: $290,310
  • Build: Supercar
  • City/highway MPG: 14/21


  • Starting MSRP: $402,995
  • Build: Supercar
  • City/highway MPG: 11/18


  • Starting MSRP: $1.9 million
  • Build: Supercar
  • City/highway MPG: 11/18

    Car insurance costs that come with driving a Lamborghini

    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 status symbols, and it’s easy to see why. If you’re lucky enough to be seriously considering a new Lambo, shop around to make sure you’re getting the best deal on financing. With a car that pricey, even a small difference in APR 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

    Picture: dimcars, Shutterstock and Lamborghini’s official page

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