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How to finance a Land Rover

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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.
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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

    Rates last updated December 16th, 2018

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    Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
    Name Product Product Description Min. Credit Score Term of Loan Requirements
    car.Loan.com Car Loans
    Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
    300
    Varies by lender
    Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
    Auto Credit Express Car Loans
    Get connected with an auto lender near you, even if you have bad credit.
    300
    Typically 3 to 6 years
    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.
    LightStream Auto Loans
    Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
    Good to excellent credit
    Flexible terms
    Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
    RateGenius Auto Loan Refinance
    Connect with a network of over 150 lenders to refinance your car loan.
    510
    Varies
    Income of $2,000+/month, vehicle has less than 150,000 miles and is no older than 8 years, loan balance is between $10,000 and $100,000, debt-to-income ratio is less than 50%
    LendingClub Auto Refinancing
    Lower your monthly car payments and save on interest through a fast and easy online application process.
    Fair or better credit
    Minimum of 2 years
    Car must be less than 10 years old with fewer than 120,000 miles. Current loan must have a balance between $5,000 and $55,000 and at least 24 months left in its term.
    MotoRefi Car Loan Refinancing
    A car loan connection service for borrowers looking to refinance.
    525
    1–6 years
    Must have an income of at least $2,000/month and have a vehicle with less than 100,000 miles.
    LendingTree Auto Loans
    Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
    Good to excellent credit
    Typically 1 to 7 years
    Must be a US citizen and 18+ years old. Must have good to excellent credit.

    Compare up to 4 providers

    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

    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

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    Kellye Guinan

    Kellye Guinan is a writer and editor with finder.com and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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