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Lamborghini Aventador SVJ Finance
2018-2021
759 bhp
Power
2.8s 0-62mph
Acceleration
217 mph
Top Speed
Finance from
£3,738 a month
Indicative, on Lease Purchase
List price
£450,000
Specified to £600,000
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Aventador SVJ finance from £3,738 a month
- £3,738
- Per month
- £90,000
- Deposit
- 759 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £450,000
6.5L V12 Naturally Aspirated
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £450,000 list price at 9.9% nominal over 48 months.
An Aventador SVJ is most often funded by refinancing one already owned rather than by buying one on a payment plan, because these cars sold out before delivery and have traded above their original list ever since. Where a purchase is being funded, £450,000 with £90,000 down at 20% comes to £3,738 a month across 48 months with £315,000 deferred. Equity release against an SVJ already in your name is the more common instruction.
Lamborghini Aventador SVJ finance deals and what they cost
Supercar finance deals are usually quoted as one monthly figure with the structure hidden behind it, which makes them impossible to compare. The table prices the same Lamborghini Aventador SVJ three ways, on a 20% deposit of £90,000 over 48 months at an indicative 9.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| Lamborghini Aventador SVJ | Hire Purchase | £450,000 | £90,000 (20%) | 48 months | None | 9.9% | £9,113 |
| Lamborghini Aventador SVJ | Lease Purchase | £450,000 | £90,000 (20%) | 48 months | £315,000 (70%) | 9.9% | £3,738 |
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.
Hire Purchase amortises the whole balance, which is why it is the highest payment at £9,113 and the only row with no final payment to plan for. Lease Purchase defers £315,000 to a final balloon, taking £5,375 a month off. There is no Personal Contract Purchase row, and its absence is the useful information: comfortable on Urus and current Huracán, cautious on Revuelto, declined on Countach LPI 800-4 and Sián.
The Aventador SVJ sits in a different commercial category from the Aventador beneath it. Production was limited and allocated, the cars were spoken for before they were built, and almost none has traded below the figure its first owner paid. That inverts the normal finance question. A lender is not being asked to forecast decline on an Aventador SVJ; it is being asked to lend against an appreciating asset, which it will do readily but on different terms.
The engineering is what supports that position. The 6.5 litre V12 was taken to 759 bhp, the highest output the naturally aspirated engine reached in a series Aventador, and the ALA 2.0 active aerodynamic system moved air across the wing rather than simply presenting more of it. The Nürburgring production car record the SVJ set in 2018 is the sort of documented achievement that attaches to a car permanently, and the collector market prices it.
Because supply is fixed, the individual car carries the value rather than the model. Delivery mileage, original specification, whether the car is a coupe or one of the Roadsters, and whether it is one of the numbered SVJ 63 cars all move the appraisal materially. A lender underwriting an Aventador SVJ works from an inspection and a specialist valuation, not from a residual value table, and that is why these applications take a little longer and land better.
Calculate your Aventador SVJ finance
The finance calculator below runs the same arithmetic as the tables above. Change the deposit, the term or the amount deferred and the monthly payment moves with it, so you can model the agreement you actually want on a Aventador SVJ. Car finance on a £450,000 asset is priced on the car as much as on you.
Vehicle Config
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£
Lease Purchase
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Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£3,738 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Lamborghini Aventador SVJ
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £9,113 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £3,738 | £315,000 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | Not written | No GMFV set | Not applicable | A lender will not guarantee a future value on this car |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the Aventador SVJ is Equity Release. Most Aventador SVJ owners bought the car outright and hold it, so the live requirement is usually capital rather than acquisition: a lender appraises the SVJ, deducts any outstanding settlement and advances against the difference without the car leaving your possession.
Lease Purchase at £3,738 is the right structure where you are buying rather than refinancing. Deferring £315,000 on a car that has held above list is a conservative position rather than an aggressive one, and it keeps the monthly payment well below the £9,113 that full amortisation across 48 months would require.
If you came here looking for Lamborghini Aventador SVJ leasing or lease deals, the distinction worth knowing is that we do not arrange contract hire, where the car goes back at the end and was never yours. Lease Purchase is the structure closest to what most people mean by leasing a Aventador SVJ: the same lower monthly payment, with legal ownership from the first payment. Contract hire on cars of this value is rare, and sites offering it usually quote short-term rental rather than finance.
Sant'Agata has an unusually strong volume car and an unusually strong collector tail, and the two ends want different agreements. The Lamborghini Aventador SVJ sits inside that position as a limited-build car whose market has already decided it is worth keeping.
What a lender sees in the Lamborghini Aventador SVJ
A commercial lender underwrites the Lamborghini Aventador SVJ as an asset before it underwrites you as a borrower. The engine is where that starts: a 6.5L V12 Naturally Aspirated engine producing 759 bhp, with 2.8s 0-62mph and 217 mph, puts this car in a category a specialist lender recognises. A Aventador SVJ at £450,000 and specified to £600,000 is also not one asset with one value, and options rarely come back at what they cost.
| Aventador SVJ | |
|---|---|
| Engine | 6.5L V12 Naturally Aspirated |
| Power | 759 bhp |
| Torque | 720 Nm |
| 0-62mph | 2.8s 0-62mph |
| Top speed | 217 mph |
| Transmission | 7-speed ISR |
| Drivetrain | AWD |
| List price | £450,000 |
| Specified to | £600,000 |
| Production | 2018-2021 |
The ALA 2.0 system is the specification item underwriting treats as its own line. It is an active aerodynamic installation with moving components and its own service considerations, and a lender writing a long agreement wants confirmation that it functions and has been inspected. On a car that has covered very few miles this is a standing-time question rather than a wear one, and the network can answer it in writing.
Provenance on an Aventador SVJ means the allocation and the build file, not simply a service book. These cars were allocated to known customers, and the chain of ownership from that first allocation is part of what an appraiser values. A car whose early history is undocumented is worth measurably less than an identical car whose history is complete, and the gap is far wider on limited-build models than on series ones.
Originality is underwritten more strictly here than anywhere else in the Lamborghini range. Modifications that would be unremarkable on a Huracán reduce the appraisal on an SVJ, and reversible changes should be documented with the original parts retained. A lender is lending against what the collector market will pay, and that market pays for cars in the specification the factory delivered them in.
Aventador SVJ features that bear on the valuation
- ALA 2.0 active aerodynamics
- 759 bhp naturally aspirated V12
- Limited production run
- Nürburgring record holder
- Carbon fibre bodywork
What a lender wants to see on a Aventador SVJ
- The build file and allocation history, since the chain of ownership from delivery forms part of the value
- Written confirmation that the ALA 2.0 active aerodynamic system has been inspected and functions
- Original specification evidence, with any modification documented and the factory parts retained
- Recommissioning invoices on a car that has been stored, covering fluids, tyres and battery
- A specialist appraisal supported by recorded sales of the same variant, coupe against Roadster
Financing a used Lamborghini Aventador SVJ
There is no ordinary used market for the Aventador SVJ, only a collector market with limited turnover. Cars change hands through specialists and at auction rather than through general stock, and the evidence a lender relies on is therefore recorded sale results rather than advertised prices. That makes appraisal the central task on any application and it is why we start the valuation conversation before a price is agreed rather than after.
For a buyer, the file matters more than the mileage. Full history through the Lamborghini network, the original build specification and window sticker, the ALA inspection position, and unbroken ownership records are what support the loan to value. A pre-owned SVJ with 3,000 miles and a complete file will fund at a materially better proportion of its appraised value than an identical car with an undocumented period in its past.
Pre-owned cars price the same way with smaller numbers. A used Aventador SVJ at £315,000, on the same 20% deposit and 9.9% rate, comes to £6,379 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Lamborghini Aventador SVJ holds its value
The Aventador SVJ has behaved as limited-build Lamborghinis have historically behaved, which is to say it did not follow the series cars down. Cars traded at and above their original list prices from delivery onward, and the market strengthened further once the Aventador line ended and the electrified replacement was confirmed. That is a record of transactions rather than a projection, and it is what allows a lender to advance against the car with confidence.
The variants have separated even within a small population. The Roadsters and the numbered SVJ 63 cars occupy their own part of the market, and a coupe should not be valued against a 63 or the other way round. When a deferred figure is being set on an Aventador SVJ, the comparable evidence has to come from the same variant, and an appraisal that has not made that distinction is one to question.
On an Aventador SVJ a lender is not forecasting a decline, it is appraising an asset, and the whole shape of the agreement changes once you understand that difference.
Everything here about the Aventador SVJ market is commentary on transactions that already happened, not a valuation and not a forecast. The residual value in your agreement is the lender's figure, set on the specific Lamborghini you are buying.
Part exchange and settlement on a Lamborghini Aventador SVJ
Three things can happen at the end of a Lease Purchase term on a Lamborghini Aventador SVJ, and it is worth knowing which you are planning for. You settle the £315,000 balloon and keep the car, you refinance it over a further term, or you part exchange the Aventador SVJ and take whatever sits above the balloon as equity toward the next one.
SVJ ownership costs are dominated by the fact that these cars are driven very little. Standing is the enemy rather than mileage: fluids, tyre age, battery condition and brake corrosion all deteriorate on a car that sits, and a documented recommissioning is worth more to an appraisal than a low odometer reading. Storage and specialist insurance are the recurring costs and both should be budgeted alongside the monthly payment.
Where the car is maintained bears directly on what it is worth. Continuous attention through the Lamborghini network, with the ALA system and the V12 service schedule recorded, keeps the file intact and the appraisal high. On a collector car, maintenance is not only an ownership cost but part of the asset, and a term should be set with that ongoing commitment in view rather than against the payment alone.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Aventador SVJ is worth more than the balloon, the difference becomes the deposit on your next agreement. If it is worth less, the Guaranteed Minimum Future Value protects you on Personal Contract Purchase, while on Lease Purchase the shortfall is yours.
Early settlement is available on every structure we arrange, but the settlement figure is calculated under the terms of the agreement rather than under the Consumer Credit Act rebate rules. Ask us for it in writing before you fix a sale date on the Aventador SVJ.
How we arrange Lamborghini Aventador SVJ finance
Tell us about the car
Specification, mileage, history and where you are buying the Aventador SVJ. On a £450,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes Lamborghini paper, and those that do price it differently. As an independent credit broker we place the deal across a panel.
We structure the agreement
Deposit, term and the deferred amount. A 20% deposit of £90,000 over 48 months is our starting point on the Aventador SVJ.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Aventador SVJ agreements complete inside a week, anywhere in the United Kingdom.
Other Raging Bull models we finance
The Lamborghini Aventador SVJ sits at £450,000 in a range we finance end to end. Either side of it are the Aventador Ultimae at £350,000 and the Countach LPI 800-4 at £2,200,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other Lamborghini cars we arrange finance deals on are the Lamborghini Huracán Tecnica, the Lamborghini Urus Performante, the Lamborghini Revuelto, the Lamborghini Aventador Ultimae, the Lamborghini Countach LPI 800-4, the Lamborghini Urus, the Lamborghini Huracán, the Lamborghini Aventador, the Lamborghini Murciélago and the Lamborghini Diablo, each with its own page and payment table, because a lender does not price a range, it prices a car.
Lamborghini
Huracán Tecnica Finance
From £217,000640 bhp
Lamborghini
Urus Performante Finance
From £200,000666 bhp
Lamborghini
Revuelto Finance
From £450,0001015 bhp
Lamborghini
Aventador Ultimae Finance
From £350,000780 bhp
Lamborghini
Countach LPI 800-4 Finance
From £2,200,000814 bhp
Lamborghini
Urus Finance
From £186,000657 bhp
Lamborghini Aventador SVJ finance FAQs
Where a purchase is being funded, £450,000 with £90,000 at 20% over 48 months at an indicative 9.9% comes to £3,738 a month on Lease Purchase with £315,000 deferred, or £9,113 on Hire Purchase. In practice the appraisal drives the agreement on this car rather than any list figure, so treat the calculator above as a starting point and expect the valuation to set the final terms.
Yes, and this is the most common instruction we receive on the model. A lender appraises the SVJ, deducts anything outstanding against it and advances the difference, with the car remaining in your possession throughout. Because these cars have held above their original list, owners are frequently in a stronger equity position than they expect. The appraisal and the history file are what determine how much can be released.
Personal Contract Purchase requires the lender to guarantee a minimum future value and absorb any shortfall below it. On a limited-build car with thin turnover, no funder on our panel is willing to commit to that number, so the product is effectively not written. This is not a restriction on you: it means the residual upside stays on your side of the agreement rather than being handed to a lender for a fee.
Less than provenance and specification, and not always in the direction people assume. Very low mileage is desirable to collectors but raises standing questions a lender will ask about: fluid condition, tyre age, brake corrosion and the state of the ALA system. A car with a few thousand documented miles and recent recommissioning invoices often appraises more comfortably than a delivery-mileage example that has simply sat.
No, and an appraisal that treats them interchangeably is one to query. The Roadster and the coupe were built in different numbers and trade in separate parts of an already small market, and the numbered SVJ 63 cars are separate again. When we place an SVJ we make sure the comparable evidence supporting the valuation comes from the same variant, because using the wrong set moves the advance materially.
Nothing makes it harder, but it is assessed differently. A standard Aventador is priced against a residual value table built from many transactions. An SVJ is appraised individually because there are too few sales for a table to mean anything, so the application needs an inspection, a specialist valuation and a complete history file. That takes longer at the start and generally produces a better advance at the end.
Lamborghini finance by structure
This page covers the Aventador SVJ. For how each structure behaves across the Raging Bull range, including the models we place on it and the ones we do not, the four pages below go a level up.
Ready to finance a Lamborghini Aventador SVJ?
Tell us about the car and we will come back with terms from the commercial lenders that write Lamborghini paper. From £3,738 a month on Lease Purchase.