Works, with a caveat
Lamborghini PCP Finance
Urus and Huracán on a monthly payment, with a strong guaranteed figure doing the work at the far end of the term
Indicative monthly payment from
£2,515a month
Based on Lamborghini Urus Performante at £200,000, arranged as Personal Contract Purchase at 9.9% nominal.
- Deposit
- £40,000
- Term
- 48
- Final payment
- £90,000
20%
months
45%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A Urus or a Huracán is one of the easier cars in this catalogue to put on a monthly figure. Lamborghini PCP takes a deposit, runs to 48 months and defers a guaranteed minimum future value that Sant'Agata's deep used market lets a lender set with real confidence. The balloon does the heavy lifting; the monthly payment follows.
We arrange Lamborghini PCP 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 PCP 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 PCP 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 | £1,320,000 (60%) | 9.9% | £22,028 |
| Lamborghini Revuelto | £450,000 | £90,000 (20%) | 48 months | £270,000 (60%) | 9.9% | £4,506 |
| Lamborghini Aventador Ultimae | £350,000 | £70,000 (20%) | 48 months | £210,000 (60%) | 9.9% | £3,505 |
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 PCP 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
£
Personal Contract 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 PCP
We arrange Lamborghini PCP 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 Huracán Tecnica, the Urus Performante suit Lamborghini PCP. The Revuelto, Aventador Ultimae and Countach LPI 800-4 do not, for the residual reason set out further down. Prices below are list, and a pre-owned Huracán Tecnica is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| Huracán Tecnica | £217,000 | Yes | Forecastable residual, guaranteed figure available |
| Urus Performante | £200,000 | Yes | Forecastable residual, guaranteed figure available |
| Revuelto | £450,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Aventador Ultimae | £350,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Countach LPI 800-4 | £2,200,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
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 PCP financing against that specific vehicle.
Lamborghini PCP deposit, term and balloon
Lamborghini PCP 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 guaranteed minimum future value 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.
Our specialists place Lamborghini PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and a Lamborghini decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £200,000 to £4,000,000
- Lamborghini deal range
- 2 of 5
- Models suited to PCP
- 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 with a specialist broker
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 PCP 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 PCP 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 set the guaranteed future value
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 PCP 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.
You are here
Lamborghini Personal Contract Purchase
Works, with a caveatPCP 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.
- 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 PCP stops working on a Raging Bull car
The Urus is the reason this page is not a straight no. It sells in volume, its used market is deep, and a lender can forecast its three-year value with real confidence. That produces a guaranteed minimum future value strong enough to pull the monthly payment down meaningfully, which is the whole point of the product. The Huracán is nearly as straightforward, helped by a used market that has stayed unusually firm through the run-out variants.
Above that the calculation gets tighter. The Revuelto is new enough that lenders are extrapolating rather than modelling, and the guaranteed figures reflect that caution. It is still writable, but the gap between a PCP payment and a lease purchase payment on the same car narrows to the point where the flexibility may not be worth what it costs you.
The Countach LPI 800-4 and the Sián are outside the product entirely. Both sold out before they were announced and neither has traded near list since, so there is no guaranteed figure a lender is willing to put its name to. The same applies to Miura, Countach and Diablo cars in the classic market.
Related Reading
Lamborghini PCP finance FAQs
Lamborghini Urus Performante at £200,000 works out at roughly £2,515 a month on Personal Contract Purchase, with £40,000 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £90,000 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.
It is the best one in the Sant'Agata range. The Urus has the volume, the used-market depth and the pricing transparency that let a lender set a strong guaranteed figure, and a strong guaranteed figure is what makes the monthly payment worth having. Most of the Urus deals we arrange on this structure run to 48 months at 15 to 20 per cent deposit.
Usually yes, but check the arithmetic before you commit. The Revuelto is too new for a lender to have real three-year data, so guaranteed figures are conservative. Once the guaranteed figure comes in low, the monthly payment stops being much cheaper than lease purchase and you have paid for flexibility you may not use.
Typically 5,000 to 10,000 miles a year, agreed at the outset. It matters more on a Huracán than on a Urus, because the used market for a mid-engined V10 is more sensitive to recorded mileage than the SUV market is. If you intend to use the car properly, tell us before the agreement is written rather than paying an excess charge at the end.
Rarely by as much as it cost. Bespoke paint and trim from Ad Personam make a car easier to sell but the used market prices the car, not the invoice, and a lender setting a guaranteed figure works from comparable transactions. Assume most of the personalisation spend is consumption rather than investment, and structure around that.