Core structure
Lamborghini Lease Purchase Finance
The monthly route into the top of the Sant'Agata range: deposit, term, deferred balloon, and the appreciation stays yours
Indicative monthly payment from
£2,344a month
Based on Lamborghini Urus Performante at £200,000, arranged as Lease Purchase at 9.9% nominal.
- Deposit
- £40,000
- Term
- 48
- Final payment
- £100,000
20%
months
50%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A Countach LPI 800-4, a Sián or a run-out Aventador Ultimae can be put on a monthly payment rather than funded in one go. Lamborghini lease purchase works from a deposit, a fixed term and a final balloon agreed at the start and deferred to the end. Because no lender has bought an option on the car, the upside above that balloon belongs to you.
We arrange Lamborghini lease 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 a Lamborghini lease 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 lease 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 | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|
| Lamborghini Countach LPI 800-4 | £2,200,000 | £440,000 (20%) | 48 months | £1,430,000 (65%) | 9.9% | £20,151 |
| Lamborghini Revuelto | £450,000 | £90,000 (20%) | 48 months | £292,500 (65%) | 9.9% | £4,122 |
| Lamborghini Aventador Ultimae | £350,000 | £70,000 (20%) | 48 months | £227,500 (65%) | 9.9% | £3,206 |
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 lease 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
£
Lease 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 lease purchase
We arrange Lamborghini lease 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.
The Lamborghini Revuelto, the Aventador Ultimae and Countach LPI 800-4 suit Lamborghini lease purchase. 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 lease purchase | Why |
|---|---|---|---|
| Huracán Tecnica | £217,000 | No | You carry the residual on a falling asset |
| Urus Performante | £200,000 | No | You carry the residual on a falling asset |
| Revuelto | £450,000 | Yes | You keep the appreciation above the balloon |
| Aventador Ultimae | £350,000 | Yes | You keep the appreciation above the balloon |
| Countach LPI 800-4 | £2,200,000 | Yes | You keep the appreciation above the balloon |
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 lease purchase financing against that specific vehicle.
Lamborghini lease purchase deposit, term and balloon
Lamborghini lease 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 a agreed final balloon deferred to the end, which is what pulls the monthly payment down to the figures above.
You have three ways to deal with the balloon payment: settle it and take the Lamborghini outright, refinance it over a further term, or sell the car and clear it from the proceeds. Which of those is right is worth deciding before the agreement is written rather than in its final month. Early settlement part way through is allowed, with interest you have not yet run rebated. New, pre-owned and classic cars are all eligible, and Lamborghini sits inside the wider supercar finance, exotic car finance and classic car finance market we work across.
Interest rates on a lease purchase agreement move with the term, the deposit and your credit profile, and financing a classic Lamborghini runs on the same agreement as a current one.
- £200,000 to £4,000,000
- Lamborghini deal range
- 3 of 5
- Models suited to lease 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 Lamborghini finance at this level goes through a panel
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 lease 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 lease 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
- Structure around Automobili Lamborghini residual behaviour rather than against it, which is the whole of the argument on this marque
- 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 residuals decide the balloon you agree
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 lease 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.
- 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.
You are here
Lamborghini Lease Purchase
Core structureLease 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 lease purchase stops working on a Raging Bull car
The Countach LPI 800-4 and the Sián sold out before they were announced and have not traded near list since. No lender will guarantee a future value on either, so the choice is between hire purchase, which puts the whole of a seven-figure car into the monthly payment, and lease purchase, which defers an agreed balloon and brings the monthly cost back to something workable. On a car at that price the difference between those two structures is not a refinement, it is whether the deal happens.
Further down the range the argument holds for the Aventador Ultimae and the run-out Huracán variants, the STO and the Sterrato, which have firmed rather than softened since production ended. Carrying the residual yourself on a car that has stopped falling costs you nothing and keeps the upside. The Urus Performante is the exception and reads the other way, because a lender will forecast it confidently and a guaranteed figure there is worth having. Lease purchase on a Urus is a decision to take on risk somebody else would price for you.
The balloon has to be settled and nothing about an appreciating Lamborghini makes that easier. A Countach LPI 800-4 held on a large final payment obliges you to find seven figures on a date fixed years earlier, and the only routes are cash, refinance or sale. Sale is the one that depends on a market you do not control. Set the term against when you realistically expect to have the money.
Related Reading
Lamborghini lease purchase FAQs
Lamborghini Urus Performante at £200,000 works out at roughly £2,344 a month on Lease Purchase, with £40,000 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £100,000 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.
Because no lender will set a guaranteed figure on a car that sold out before it was announced, which removes PCP from the table, and because hire purchase on a car of that price produces a monthly payment almost nobody wants to carry. Lease purchase sits between the two. You agree a balloon with the lender, pay down the rest across the term, and settle the balloon to take title.
Usually not in the way a guaranteed-value agreement imposes one, because the lender is not standing behind the final figure and therefore has less reason to police how the car is used. That said, mileage still moves what a Huracán Tecnica is worth when the balloon falls due, and that consequence lands on you rather than on the lender. Drive the car, but go in knowing who carries the effect.
Model both before committing. The Revuelto is new enough that lenders extrapolate rather than forecast, so guaranteed figures come back conservative and the monthly saving PCP is supposed to deliver shrinks. If the balloon you would agree on lease purchase is higher than the figure a lender will guarantee, you get a lower payment and keep any upside, at the cost of carrying the residual yourself. That is the trade, plainly stated.
Yes, subject to settling the agreement. You ask the lender for a settlement figure, the sale proceeds clear it, and anything above that is yours. On an Aventador Ultimae that surplus has often been meaningful, which is the practical benefit of holding the residual rather than renting an option on it. We agree the early-settlement basis when the agreement is written rather than leaving it to be discovered later.