Works, with a caveat
Lamborghini Hire Purchase Finance
Own your Lamborghini outright: a deposit, a fixed monthly figure and no final balloon to settle
Indicative monthly payment from
£4,050a month
Based on Lamborghini Urus Performante at £200,000, arranged as Hire Purchase at 9.9% nominal.
- Deposit
- £40,000
- Term
- 48
- Final payment
- None
20%
months
owned outright
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A Revuelto, a Huracán Tecnica or an Aventador Ultimae can be yours on fixed instalments, with the keys and the title both in your name at the end of the term. Lamborghini hire purchase takes a deposit, amortises the rest across the term and leaves no balloon behind it, which is why HP reaches the limited Sant'Agata cars that guaranteed-value products cannot.
We arrange Lamborghini hire purchase 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 hire purchase costs a month
The figures below are computed from each car's real list price using the same amortisation the finance calculator on this page runs, at 9.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific Lamborghini, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Lamborghini hire purchase is set once a lender has seen both.
The table prices the Lamborghini Countach LPI 800-4, then the Revuelto and Aventador Ultimae. Change the car and the monthly payment moves with the list price, the deposit and the term rather than with anything we decide.
| Vehicle | Price | Deposit | Term | Rate | Monthly |
|---|---|---|---|---|---|
| Lamborghini Countach LPI 800-4 | £2,200,000 | £440,000 (20%) | 48 months | 9.9% | £44,554 |
| Lamborghini Revuelto | £450,000 | £90,000 (20%) | 48 months | 9.9% | £9,113 |
| Lamborghini Aventador Ultimae | £350,000 | £70,000 (20%) | 48 months | 9.9% | £7,088 |
Indicative only and not a quotation. Figures are calculated on a balance-with-balloon amortisation at the nominal annual rate shown, and assume no fees. Final terms depend on the commercial lender's underwriting, your circumstances, and the vehicle's specification and provenance.
Lamborghini hire purchase 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
£
Hire Purchase
£
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 we place on Lamborghini hire purchase
We arrange Lamborghini hire purchase 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.
Every car in the range suits it: the Huracán Tecnica, Urus Performante, Revuelto, Aventador Ultimae and Countach LPI 800-4. Prices below are list, and a pre-owned Huracán Tecnica is arranged on the same panel as a new one.
| Model | List from | Suits hire purchase | Why |
|---|---|---|---|
| Huracán Tecnica | £217,000 | Yes | Full ownership at the end, no final payment to find |
| Urus Performante | £200,000 | Yes | Full ownership at the end, no final payment to find |
| Revuelto | £450,000 | Yes | Clean route to ownership on a car nobody will guarantee |
| Aventador Ultimae | £350,000 | Yes | Clean route to ownership on a car nobody will guarantee |
| Countach LPI 800-4 | £2,200,000 | Yes | Clean route to ownership on a car nobody will guarantee |
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 hire purchase financing against that specific vehicle.
Lamborghini HP deposit, term and final instalment
Lamborghini hire purchase is built from three numbers. A deposit, typically 20% on an Automobili Lamborghini car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And no deferred payment at all, which is why the monthly figure is the highest of the four structures and why the Lamborghini is yours outright when the last instalment clears.
There is nothing to refinance and no residual to argue about, which is what makes a hire purchase agreement the cleanest route to outright ownership on cars a lender will not forecast. Interest rates are indicative rather than fixed, because every agreement above £25,000 is underwritten individually on the car and the borrower. New, pre-owned and classic Lamborghini cars are all eligible.
A hire purchase agreement is the simplest of the four finance types: the total amount payable is fixed when the agreement starts and the monthly payments do not change. No agreement here turns on a future value.
- £200,000 to £4,000,000
- Lamborghini deal range
- 5 of 5
- Models suited to hire purchase
- 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 arrange Lamborghini finance through a broker rather than a dealer
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 hire purchase 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 hire purchase 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
- Set the term against how long you actually intend to keep the Lamborghini, since nothing here depends on handing it back
- Say when one of the other three structures suits your Lamborghini better, even where it is the one we place less often
Why Automobili Lamborghini residual behaviour matters less on HP
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 hire purchase 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.
You are here
Lamborghini Hire Purchase
Works, with a caveatHire 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.
- Core structure
Lamborghini Equity Release
Equity 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 hire purchase stops working on a Raging Bull car
Take the Aventador Ultimae and the Countach LPI 800-4 first. Neither has behaved like a depreciating asset and no lender will set a guaranteed figure on either, which leaves hire purchase as one of only two structures written on them at all. It is the better of the two if you want the finance finished: fixed instalments, no final figure to negotiate, and an unencumbered car at the end of a term during which the value has been moving in your favour rather than the lender's.
Lower down the range the calculation inverts. The Urus Performante is the one Lamborghini with a used market deep enough for a lender to forecast with confidence, and that is precisely the circumstance in which a guaranteed figure has something to give you. Choosing hire purchase there means choosing to carry the first-cycle depreciation yourself in exchange for outright ownership. That is a sound trade if the car is a keeper and an expensive one if it is not. The Huracán Tecnica sits between the two positions.
The limit is monthly cash flow on the expensive cars. Amortising the whole of a Revuelto across forty-eight months, after a deposit at the usual twenty per cent mark, produces a substantial commitment every month for a car a good number of owners will hold for three years and then change. Where the buyer is a limited company that wants the asset capitalised on its own balance sheet and written down on its own books, that commitment is usually accepted willingly and the structure is chosen on purpose. Where cash flow is the binding constraint, lease purchase reaches the same ownership position with a deferred final payment.
Related Reading
Lamborghini hire purchase FAQs
Lamborghini Urus Performante at £200,000 works out at roughly £4,050 a month on Hire Purchase, with £40,000 down at 20% and a 48 month term at 9.9% indicative nominal, with nothing deferred to the end. Dearer cars in the range scale up from there. Every figure is computed rather than quoted, so run your own before relying on it.
It is one of the two sensible routes and the tidier of them. The car has never traded near list and no guaranteed future value exists on it, so the choice is between hire purchase and lease purchase. Hire purchase finishes cleanly with nothing left to settle, which is what most owners of a car in this category want.
Yes, and it is one of the more common reasons Urus buyers choose the structure. Hire purchase is written so that the asset sits with the business and the finance sits alongside it, which is a different accounting position from a rental-style agreement. Your accountant should confirm the capital allowance and benefit-in-kind treatment before the paperwork is drawn, because that answer moves more money than the rate does.
Twenty per cent is the usual starting point on a current Lamborghini, and more where the car is a limited-build variant or an early example with a short trading history. Deposit does two things here. It reduces the balance being amortised, and it improves how a lender reads the deal, which shows up in the rate as well as in the payment.
Because the PCP quote defers part of the price to a guaranteed figure at the end and this one does not. On hire purchase you are amortising the whole car across the term, so every month has to carry a share of the part PCP pushes to the end. The trade is that you finish owning the car outright rather than facing a decision about it.