How to finance a Land Rover

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.

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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

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Name	Product	Minimum credit score	APR	Loan term	Requirements
PenFed Auto Loans		Varies	Starting at 1.79%	Up to 10 years	Active membership with PenFed	Low APR car loans from a well-known credit union.	Go to site More Info	Compare	loading Fetching your data...
Carvana		No minimum credit score	3.9% to 27.9%	Varies	18+ years old, annual income of $4,000+, no active bankruptcies	Get pre-qualified for used car financing and receive competitive, personalized rates.	Go to site More Info	Compare	loading Fetching your data...
car.Loan.com Car Loans		300	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.	Go to site More Info	Compare	loading Fetching your data...
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.	Go to site More Info	Compare	loading Fetching your data...
Auto Credit Express Car Loans		300	Varies	Varies	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.	Go to site More Info	Compare	loading Fetching your data...
Monevo Auto Loans		500	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.	Go to site More Info	Compare	loading Fetching your data...
LendingTree		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.	Go to site More Info	Compare	loading Fetching your data...
myAutoloan.com Car Loans		550	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.	Go to site More Info	Compare	loading Fetching your data...

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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.

Car insurance costs that come with driving a Land Rover

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

• What are my lease-end options with Land Rover?

  You have three choices when your lease period ends:

  • Turn in your SUV. You can schedule an inspection up to 45 days before your lease ends to get an estimate of excess wear-and-tear costs. Then, you simply return your vehicle on the last day of your lease and pay any closing costs or fees.
  • Purchase your SUV. You can call Land Rover at any time to discuss ending your lease and purchasing your SUV. However, you may be charged fees for ending your lease early or having the purchase option disclosed on your lease agreement.
  • Extend your lease. Within the last six months of your lease, you can contact Land Rover to discuss the costs of extending your contract.

• Can I go off-roading in a Land Rover?

  Yes. In fact, new Land Rover owners can book a complimentary two-hour lesson to learn how to drive their vehicle off road. And if you already own a Land Rover, you can receive a 10% discount on lessons and trails.

• How did Land Rover get its name?

  Land Rover got its name from the first vehicle it created: the Land Rover. It was launched in 1948 at the Amsterdam Motor Show and is now referred to as the Series One Land Rover.

_{Image source: shutterstock}