Core structure
Lamborghini Refinance and Equity Release
Fund the Revuelto slot from the Aventador you already own, without selling it
Indicative repayment from
£1,266a month
Based on £50,000 released and repaid over 48 months at 9.9% nominal, with the car staying yours throughout.
- Released
- £50,000
- Term
- 48
- Balloon
- None
example sum
months
capital and interest
Indicative and not a quotation. Computed at render time from the capital sum shown on the same amortisation the calculator runs.
An Aventador Ultimae or a Countach LPI 800-4 can fund the next commitment while it stays in your collection. Lamborghini equity release advances against a current valuation, clears whatever agreement is still running on the car, and leaves the logbook where it is. The repayment is capital and interest over an agreed term.
We arrange Lamborghini refinance across 5 current and recent Automobili Lamborghini models, from the Urus Performante at around £200,000 to the Countach LPI 800-4 at £2,200,000. Every figure on this page is computed from those real list prices by the same finance calculator you can run yourself, and we are an independent credit broker arranging the financing rather than a lender, so the rate and the term come back from our panel of specialist lenders rather than from us.
What Lamborghini refinance costs a month
Releasing capital against a Lamborghini costs the interest on the sum advanced over the term you pick, and nothing else moves it. The table below prices three example sums at 9.9% nominal over 36, 48 and 60 months, so you can see what the term does to the monthly payments before committing to one. Lamborghini car equity release is secured lending against a car you own, so what can be advanced is settled by an independent appraisal of its market value.
| Capital released | Over 36 months | Over 48 months | Over 60 months |
|---|---|---|---|
| £50,000 | £1,611 | £1,266 | £1,060 |
| £100,000 | £3,222 | £2,531 | £2,120 |
| £200,000 | £6,444 | £5,063 | £4,240 |
Indicative only and not a quotation. The capital sums shown are examples rather than an offer: what can actually be advanced against your car depends on an independent appraisal, on anything still outstanding against it, and on the commercial lender's underwriting. Figures are computed on a straight amortisation at the nominal annual rate shown and assume no fees.
Lamborghini refinance finance calculator
Change the price, the deposit and the term to see what moves. The calculator runs the same amortisation as the table above, so the two can never disagree.
Vehicle Config
mi
£
Equity Release
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Sant'Agata Bolognese models hold enough value to refinance
We arrange Lamborghini refinance across the Automobili Lamborghini range rather than on a shortlist of easy cars, but the structure does not fit every model equally. Our specialist lenders take new, pre-owned and classic Lamborghini cars alike, and the judgement in the table below comes from how each car has actually behaved at the end of a term rather than from what is easiest to place.
The Lamborghini Revuelto, the Aventador Ultimae and Countach LPI 800-4 suit Lamborghini refinance. The Huracán Tecnica and Urus Performante do not, for the residual reason set out further down. Prices below are list, and a pre-owned Revuelto is arranged on the same panel as a new one.
| Model | List from | Suits refinance | Why |
|---|---|---|---|
| Huracán Tecnica | £217,000 | No | Equity only where the car is owned outright |
| Urus Performante | £200,000 | No | Equity only where the car is owned outright |
| Revuelto | £450,000 | Yes | Value has held or risen, so there is equity to advance against |
| Aventador Ultimae | £350,000 | Yes | Value has held or risen, so there is equity to advance against |
| Countach LPI 800-4 | £2,200,000 | Yes | Value has held or risen, so there is equity to advance against |
Lamborghini
Countach LPI 800-4 Finance
From £2,200,000814 bhp
Lamborghini
Revuelto Finance
From £450,0001015 bhp
Lamborghini
Aventador Ultimae Finance
From £350,000780 bhp
Lamborghini
Huracán Tecnica Finance
From £217,000640 bhp
Lamborghini
Urus Performante Finance
From £200,000666 bhp
Each card opens the model page, where you can model Lamborghini refinance financing against that specific vehicle.
How much can be released against a Lamborghini
Three things decide what comes back on Lamborghini refinance: what an independent appraiser puts on the car, what is still outstanding against it, and how long you want to repay the total amount over. The advance settles any existing agreement first, and the balance is what reaches you. Ownership of the Lamborghini does not move at any point and you keep driving it throughout.
Repayment on Lamborghini car equity release is straight capital and interest at 9.9% indicative nominal, with no balloon and no option to exercise at the end. Terms on Automobili Lamborghini cars typically run to 48 months. New, pre-owned and classic cars are all eligible, and refinancing an agreement held elsewhere is common. Because the agreement is unregulated commercial finance above £25,000 it is underwritten individually rather than priced off a published rate card.
- £200,000 to £4,000,000
- Lamborghini deal range
- 3 of 5
- Models suited to refinance
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged from £25,000 upwards
On current residual behaviour
Moves with the car and your position
Indicative rates from 9.9% nominal
Why Lamborghini finance against an owned car needs a specialist
Lamborghini finance at this level is not a retail product and is not priced from a rate card. We are an independent credit broker rather than a lender, so Lamborghini refinance goes to the lenders on our panel that genuinely write against Automobili Lamborghini cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Lamborghini finance figure on this page is computed from a real list price in our catalogue, from the Urus Performante up to the Countach LPI 800-4, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing an Automobili Lamborghini car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Lamborghini car finance, supercar finance, exotic car finance and classic car finance, or simply a monthly payment on an Urus Performante, the four structures and the panel behind them are the same. We arrange bespoke finance across the UK, a classic car goes to the same underwriters as a new one, and the monthly payments quoted here are computed rather than advertised.
What we do on a Lamborghini that a dealer finance desk does not
- Place Lamborghini refinance across a panel rather than with one lender, so a decline on a Lamborghini starts the conversation rather than ending it
- Price new, pre-owned and classic Lamborghini cars on the same panel, including a Urus Performante bought privately or a Countach LPI 800-4 bought at auction
- Get the car appraised independently rather than taking a trade valuation, because the advance follows the appraisal
- Say when one of the other three structures suits your Lamborghini better, even where it is the one we place less often
How Automobili Lamborghini values set what a lender will advance
The Urus is the reason Lamborghini reads differently from its Italian neighbour on a lender's screen. It sells in numbers no other car in this catalogue approaches, it has a deep used market, and it depreciates along a curve that can be forecast with some confidence. That makes it the one Lamborghini that behaves like a mainstream prestige asset, and lenders price it accordingly.
Above the Urus the picture changes. The Huracán has held better than its contemporaries and the run-out Tecnica, STO and Sterrato variants have firmed rather than softened as production ended. The Aventador, out of production since the Ultimae, has stopped depreciating altogether and in good specification has started to move the other way. The Countach LPI 800-4 and the Sián were sold out before announcement and have never traded near list.
The practical consequence for a buyer is that the further up the range you go, the less willing a lender is to carry the residual and the more the structure has to put that risk on your side of the agreement. That is not a worse deal. On a car that is holding value it is usually a better one.
Sant'Agata has an unusually strong volume car and an unusually strong collector tail, and the two ends want different agreements.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | Countach LPI 800-4, Aventador Ultimae, Huracán STO | A guaranteed future value is either declined outright or set below what the car is really worth, so the lender's protection is worth little here |
| Falling | Urus Performante, Huracán Tecnica | Forecastable, so a guaranteed figure can be set and priced |
Market commentary rather than a valuation. Residual value is the largest single variable in a £25,000-plus vehicle agreement and no credit broker can guarantee it. Lender posture on Lamborghini: Comfortable on Urus and current Huracán, cautious on Revuelto, declined on Countach LPI 800-4 and Sián.
Lamborghini refinance against the other three structures
The four finance options are not interchangeable on a Lamborghini, and the reason is the one running through this whole page: who carries the residual. Personal Contract Purchase hands it to the lender through a guaranteed minimum future value. Lease Purchase leaves it with you behind a balloon payment you agree. Hire Purchase removes the question by amortising the full cost and ends in outright ownership. Equity Release is not a purchase structure at all, but a refinance against a Lamborghini you already hold.
- Works, with a caveat
Lamborghini Personal Contract Purchase
PCP works cleanly on the Urus and the current Huracán, and gets progressively harder to place as you move up the Sant'Agata range.
- Works, with a caveat
Lamborghini Hire Purchase
Hire purchase is the right structure at the top of the Sant'Agata range and a deliberate, more expensive choice on a Urus Performante, so the honest answer depends on where in the range you are shopping.
- Core structure
Lamborghini Lease Purchase
Lease purchase is the structure for the top of the Sant'Agata range, because on the Countach LPI 800-4, the Sián and the run-out Aventador the residual is an asset rather than a risk and it belongs on your side of the agreement.
You are here
Lamborghini Equity Release
Core structureEquity release works across Sant'Agata, and the Countach LPI 800-4, the Sián and the classic Miura and Diablo market are among the strongest refinance cases on this site.
Ratings are our own view of how each structure behaves on Lamborghini, based on the residual evidence above rather than on which product is easiest to place.
Where equity release stops working on a Raging Bull car
The Countach LPI 800-4 and the Sián sold out before they were announced and neither has traded near list since. Cars in that position are almost always held outright, which means no settlement figure to clear and the full appraised value available as the base for an advance. The Miura and the Diablo sit in the same place for a different reason: they are established classics, appraised individually against recorded sales, and their owners are refinancing an asset that has already done its appreciating rather than one they are hoping will.
The current range splits along the line the residual record draws. An Aventador Ultimae has stopped depreciating and in good specification has started to move the other way, so an owned example supports a real release, and the usual purpose is funding a Revuelto commitment without giving up the car. A Urus Performante or a Huracán Tecnica still running a car finance agreement is a different conversation entirely, because the balance and the value tend to track each other closely and there is often no gap worth arranging.
Provenance sets the ceiling on the classic cars. A Miura with an undocumented restoration, a colour change nobody can evidence or an engine whose numbers do not match the chassis will be appraised well below a car with a complete file, however strong that model's market is. On the modern cars, heavy Ad Personam specification adds far less to a valuation than it added to the invoice.
Related Reading
Lamborghini refinance and equity release FAQs
Releasing £50,000 against a Lamborghini costs around £1,266 a month over 48 months at 9.9% indicative nominal, on a straight capital and interest repayment with no balloon. What you can actually release is set by an independent appraisal of your car and by anything still outstanding against it, so treat this as an illustration rather than an offer.
That is precisely what the product does. The car stays in your ownership and your possession, the lender takes security over it, and the advance is set from a current valuation. Countach LPI 800-4 examples have not traded near list since delivery, so the gap between what one cost and what one is worth now is usually the largest single figure in the case.
No, and the difference matters. A Urus is checked against a deep pool of comparable sales in an afternoon. A Miura is appraised as an individual car, with the restoration standard, originality and the paperwork behind it doing most of the work. Expect a physical inspection and a request for the history file, and expect the process to take longer than a modern car equity case.
Yes, and it is one of the more common reasons Lamborghini owners call. The Ultimae closed out the naturally aspirated V12 and has firmed since production ended, so there is usually genuine positive equity in one. Releasing against it puts capital in place for the next allocation while the Ultimae stays where it is, which is normally the point of doing it this way.
Frequently not, and we would rather say so before you send documents. The Urus depreciates along a forecastable curve, and on a normal deposit and term the outstanding balance and the car's value stay close together through the middle years. If the settlement figure is at or above the valuation there is negative equity and nothing to advance against, whatever the badge on the bonnet.