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Lamborghini Financing Deals and Review

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Lamborghini financing at a glance

Best for: Those who want to buy or lease a vehicle from a dealer

Starting APR: Not specifiedLoan terms: Up to 144 months

Lamborghini Financial Services is the captive financing arm for the iconic Italian exotic car manufacturer. Owned by the Volkswagen Group, Lamborghini offers options for financing and leasing its six-figure cars, potentially making the hefty price tag more accessible for consumers.

Current financing terms are hard to find, so you’ll have to talk with a local dealer to find out the available deals and what it takes to qualify.

How Lamborghini financing works

Lamborghini Financial Services is the captive lender for Lamborghini dealers, though dealers may also have other financing sources. While rates and terms will vary depending on your finances, Lamborghini states that upfront cash payments are often not required and that most of the initial costs can be rolled into your financing contract.

The standard insurance deductible for Lamborghini Financial Services is $5,000, which, according to the retailer, is more appealing than the $500 deductible required by many other finance companies. A higher deductible could translate into lower monthly payments, though you’ll want to reach out to your insurance company for more details.

You can also finance a certified pre-owned (CPO) Lamborghini through a dealer. CPO cars meet the manufacturer’s criteria for the program and have undergone a thorough inspection and maintenance where required. An eligible CPO Lamborghini must be no older than 84 months and have less than 43,500 miles.

Buying a Lamborghini

Depending on your financial picture, including your FICO auto score, annual income and debt-to-income ratio, you could qualify for financing through Lamborghini Financial Services for up to 84 months.

However, shopping for a loan online or with local financial institutions allows you to compare a wider variety of loan offers. You can get preapproved for a loan from a lender of your choosing before visiting a dealer and compare the loan you’ve been offered with the financing terms available through Lamborghini Financial Services or other dealer partners. You can also get prequalified for an early assessment of your credit history through a dealer’s online form.

Specific financing rebates and incentives may vary by dealer, as well as by vehicle make and model. Dealers’ websites used a financing rate of 6.5% APR for financing examples.

As an example, Lamborghini Palm Beach was offering a used 2022 Lamborghini Urus SUV with an MSRP of $379,951. You can finance the vehicle for $3,045 a month for 144 months at 6.5% APR. You’d need to put $75,990 down and pay the cost of tag, title, taxes and fees.

Leasing a Lamborghini

Leasing is a common way for people to experience high-end cars like Lamborghini. You can own the car of your dreams with a (usually) lower payment than buying it outright. At the end of the lease, you can turn the car back in, extend the lease or buy it.

Lamborghini Financial Services offers leases on models up to five years old. Plus, Lamborghini typically doesn’t require a security deposit at the start of the lease, so the cash outlay could be low. Lamborghini also provides its own GAP insurance, covering the cost between the insurance company’s loss payment and the balance due on the lease in the event of an accident that totals the car. Lamborghini’s lease terms include a $5,000 insurance deductible, which, as stated above, is much higher than the $500 deductible found on other lease programs. In addition, you’ll have constant warranty coverage if the lease term runs the length of the manufacturer warranty.

Lamborghini Financial Services will offer flexible terms to fit your needs, including the single-pay lease, which is paying for the lease in a lump sum. According to the financer, the lump sum is usually less than the sum of monthly lease payments, and saves you the hassle of a monthly payment plan.

To start the process, fill out the finance application on the dealer’s website or talk directly with the dealer’s finance department. You can also have the application process taken care of when you go to the dealership.

Lamborghini deals and rebates

Lamborghini dealers have special deals, rebates and incentives through Lamborghini Financial Services and partner lenders. Financing offers typically feature:

  • Low APRs for borrowers with good credit
  • Long loan repayment terms to allow for affordable monthly payments
  • Low or no down payment requirements

Your credit score and history will affect the type of financing you can obtain from Lamborghini Financial Services, so you’ll need to find out from the dealer you’re shopping with if you’re entitled to any special rebates or incentives based on your specific financial situation.

Pros and cons of Lamborghini financing

Like many captive auto lenders, Lamborghini Financial Services may offer deals you can’t match anywhere else. You’ll apply through your dealer, who could also access other loan and leasing offers to help you find affordable financing options based on your credit score.

ProsCons
Low cash outlay
Lamborghini Finance offers no initial cash payment terms for financing and leases.
Rates
You may be able to shop around for better rates based on your credit score.
High insurance deductibles
Lamborghini Finance allows deductibles up to $5,000, which reduces the cost of your auto insurance.
Costly lease mileage
Excess mileage over the lease term could come with a high cost.
Flexible terms
Leases can be customized on length and mileage.
Disposition fee
End-of-lease disposition fee can also be considerably high.

Alternatives to Lamborghini financing

Although a dealer may offer Lamborghini Financial Services as a way to finance the car, you can choose to go with any other lender the dealer offers, or find one on your own. Explore a wider variety of loan offers by shopping for a loan online or with local financial institutions. With multiple quotes, you can make sure you’re getting the best possible auto loan rates. This is especially important when financing an expensive vehicle, like a Lamborghini. Even a slight difference in the interest rate can raise or lower monthly payments by hundreds of dollars.

 

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