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Lamborghini Urus Performante Finance
2022-present
666 bhp
Power
3.3s 0-62mph
Acceleration
190 mph
Top Speed
Finance from
£2,139 a month
Indicative, on Lease Purchase
List price
£200,000
Specified to £280,000
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Urus Performante finance from £2,139 a month
- £2,139
- Per month
- £40,000
- Deposit
- 666 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £200,000
4.0L V8 Twin-Turbo
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £200,000 list price at 9.9% nominal over 48 months.
The Urus Performante is the most straightforward car in this catalogue to finance, and the numbers show it: £2,480 a month on Personal Contract Purchase against the £200,000 list, £40,000 down at 20%, 48 months, and £92,000 guaranteed at the end. Lamborghini sells more of these than everything else it builds combined, so a funder has a genuine sales record to price against and will commit to a future value without hesitating.
Lamborghini Urus Performante finance deals and what they cost
Car 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 Urus Performante three ways, on a 20% deposit of £40,000 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 Urus Performante | Hire Purchase | £200,000 | £40,000 (20%) | 48 months | None | 9.9% | £4,050 |
| Lamborghini Urus Performante | Lease Purchase | £200,000 | £40,000 (20%) | 48 months | £112,000 (56%) | 9.9% | £2,139 |
| Lamborghini Urus Performante | Personal Contract Purchase | £200,000 | £40,000 (20%) | 48 months | £92,000 (46%) | 9.9% | £2,480 |
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 £4,050 and the only row with no final payment to plan for. Lease Purchase defers £112,000 to a final balloon, taking £1,911 a month off. Personal Contract Purchase looks similar and differs underneath, because that final payment is a Guaranteed Minimum Future Value the lender stands behind rather than a balloon you have agreed to pay.
The Urus is the reason Lamborghini's finance panel looks nothing like Ferrari's. Sant'Agata moves the model in numbers that dwarf the rest of its output, dealers take them in part exchange every week, and there is a used market several years and several thousand cars deep. The Performante is the sharpened version of that car, 47 kilograms lighter with a firmer chassis setup and a Pikes Peak record attached to it, and it inherits every bit of the parent model's underwriting comfort.
The 4.0-litre twin-turbo V8 is shared with other performance vehicles from the same group, which is a commercial advantage rather than a criticism. Specialists know the engine, parts move at volume, and a funder's recovery position on a defaulted agreement is stronger than on anything else wearing this badge. That translates directly into a wider panel of lenders willing to quote and a more competitive structure at the end of it.
What is specific to the Performante is that it is a variant with a reason to exist. Rally mode, the Anima Terra setting, the carbon bonnet and the titanium exhaust option are functional rather than cosmetic, and the used market has consistently distinguished this car from a standard Urus. A funder setting a guaranteed value on a Performante works from Performante transactions, and we make sure the submission says which car it is looking at.
Calculate your Urus Performante 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 Urus Performante. Car finance on a £200,000 asset is priced on the car as much as on you.
Vehicle Config
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Lease Purchase
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Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£2,139 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the Lamborghini Urus Performante
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £4,050 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,139 | £112,000 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £2,480 | £92,000 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the Urus Performante is Personal Contract Purchase. This is the one car from Sant'Agata where a funder is genuinely comfortable guaranteeing £92,000, and taking that guarantee on a vehicle that will cover real annual mileage moves the mileage risk off your side of the agreement.
Hire Purchase suits the buyer who intends to keep the Performante well beyond the term, and on a car used as family transport that is a common plan. At £4,050 it costs more each month and finishes with the vehicle in your name and no settlement to arrange, which is worth more than it looks if you expect to run it for the best part of a decade.
If you came here looking for Lamborghini Urus Performante 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 Urus Performante: 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 Urus Performante sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.
What a lender sees in the Lamborghini Urus Performante
A commercial lender underwrites the Lamborghini Urus Performante as an asset before it underwrites you as a borrower. The engine is where that starts: a 4.0L V8 Twin-Turbo engine producing 666 bhp, with 3.3s 0-62mph and 190 mph, puts this car in a category a specialist lender recognises. A Urus Performante at £200,000 and specified to £280,000 is also not one asset with one value, and options rarely come back at what they cost.
| Urus Performante | |
|---|---|
| Engine | 4.0L V8 Twin-Turbo |
| Power | 666 bhp |
| Torque | 850 Nm |
| 0-62mph | 3.3s 0-62mph |
| Top speed | 190 mph |
| Transmission | 8-speed automatic |
| Drivetrain | AWD |
| List price | £200,000 |
| Specified to | £280,000 |
| Production | 2022-present |
The Urus Performante is the only car on this site an underwriter might reasonably describe as a normal asset, and the assessment follows from that. Applications are judged on the commercial covenant in much the way a light commercial vehicle agreement would be, with the vehicle itself raising very few questions. Where a Urus application struggles, it is almost always the trading position behind it rather than the car in front of it.
The 47 kilogram weight saving comes largely from a carbon bonnet and a carbon roof, and those panels are expensive to replace. Damage to composite bodywork on a vehicle used as daily transport is more likely than on a garaged supercar, and an underwriter reads the vehicle record with that in mind. A repaired carbon panel that has been properly documented is fine. An undocumented one costs you deposit.
Lamborghini lists the Performante from £200,000, and the arrival of an electrified Urus above it in the range has reset where the outgoing V8 sits. That is not a problem for a four-year agreement, but it is the reason funders now set the guaranteed figure on this model slightly below where they set it two years ago, and it is better heard at the start than discovered at renewal.
Urus Performante features that bear on the valuation
- 47kg weight reduction
- Akrapovič exhaust option
- Anima Terra driving mode
- Steel & carbon ceramic brakes
- Rally driving mode
What a lender wants to see on a Urus Performante
- Confirmation of genuine Performante specification rather than a standard Urus with cosmetic parts
- Full service history through the Lamborghini network, with brake and tyre condition recorded
- Documented repairs to any carbon bodywork, supported by the vehicle record
- An honest annual mileage declaration, because the guaranteed figure is written against it
- Trading accounts or director information, since this car is assessed on covenant as much as asset
Financing a used Lamborghini Urus Performante
Used Performantes are readily available and financing one is routine work. The population is large, the histories are legible, and dealers price them against a market that actually exists rather than against an asking price somebody invented. A two-year-old car takes the single largest step of decline out of your agreement, and on this model that is the most effective way to reduce the monthly commitment without touching the deposit.
The checks are ordinary and worth doing thoroughly. Full history through the network, an inspection of the carbon panels and the ceramic brakes, a clean vehicle record, and confirmation that the specification matches the description, since a Performante and a standard Urus wearing a body kit are not the same asset. Ceramic discs are the item that catches buyers out on a used example, because replacing a set is a substantial unplanned cost to absorb mid-term.
Pre-owned cars price the same way with smaller numbers. A used Urus Performante at £112,000, on the same 20% deposit and 9.9% rate, comes to £2,268 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the Lamborghini Urus Performante holds its value
The Urus has declined the way a high-volume luxury performance vehicle declines, steadily and predictably, and the Performante has done so from a higher starting point while holding a consistent premium over the standard car. That predictability is not a criticism of either. It is the entire reason this model finances better than anything else Lamborghini makes, because a funder can only guarantee what it is able to forecast with confidence.
The arrival of the electrified Urus has moved the outgoing car's position without collapsing it. Buyers who want the twin-turbo V8 without a battery now know exactly which car that is, and the run-out V8 Performante has acquired a defined identity as a result. Whether that hardens into the sort of premium the atmospheric Lamborghinis enjoy is not something to build a deferred figure around, though it is a reasonable thing to hope for.
The Urus Performante is the only Lamborghini a funder will treat as an ordinary asset, and that ordinariness is worth real money every single month.
Everything here about the Urus Performante 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 Urus Performante
Three things can happen at the end of a Lease Purchase term on a Lamborghini Urus Performante, and it is worth knowing which you are planning for. You settle the £112,000 balloon and keep the car, you refinance it over a further term, or you part exchange the Urus Performante and take whatever sits above the balloon as equity toward the next one.
A Performante is used like a car rather than kept like an ornament and its costs behave accordingly. Fuel, tyres and brakes are the recurring items and all three are consumed faster than an owner arriving from a conventional luxury four-by-four expects, particularly the ceramic brakes if the vehicle spends its life in town. Servicing is scheduled, predictable and handled by a network that deals in volume, which keeps that part of it civilised.
Because this car earns genuine mileage, the term should be matched to how long you want to keep driving it rather than to how low a payment you can reach. A 48 month agreement on a vehicle covering serious annual distance arrives at the end with a car that has done real work, and that is entirely fine provided the guaranteed figure was written against honest numbers when you started.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Urus Performante 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 Urus Performante.
How we arrange Lamborghini Urus Performante finance
Tell us about the car
Specification, mileage, history and where you are buying the Urus Performante. On a £200,000 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 £40,000 over 48 months is our starting point on the Urus Performante.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Urus Performante agreements complete inside a week, anywhere in the United Kingdom.
Other Raging Bull models we finance
The Lamborghini Urus Performante sits at £200,000 in a range we finance end to end. Either side of it are the Huracán Tecnica at £217,000, 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 Revuelto, the Lamborghini Aventador Ultimae and the Lamborghini Countach LPI 800-4, each with its own page and payment table, because a lender does not price a range, it prices a car.
Lamborghini Urus Performante finance FAQs
On the £200,000 list with £40,000 of deposit at 20% across 48 months at an indicative 9.9%, the Performante works out at £2,480 on Personal Contract Purchase with £92,000 guaranteed at the end, £2,139 on Lease Purchase or £4,050 on Hire Purchase. All three are calculated live from the list price, so adjust the deposit and term in the calculator to see how the commitment moves before you speak to us.
Yes, and this is the model where the guarantee behind it is strongest. Lamborghini sells enough of these for a funder to know precisely how they behave at three and four years, so it will commit to £92,000 and carry the risk that the market falls below it. At the end you hand the car back, settle the balance and keep it, or refinance and continue. The mileage you declare at the outset is what the guarantee is written against.
Better than a standard Urus and less well than the atmospheric cars from this marque, which is exactly what you would expect from a high-volume vehicle with a genuine performance variant premium. The value of that steadiness is that a funder will guarantee it, which is not true anywhere else in the Lamborghini range. Predictable decline is a commercially useful property even though it sounds like a disadvantage when written down.
£40,000 against the £200,000 list, being 20%, is the standard position and it is what most of these agreements are written at. Because the Urus is assessed heavily on covenant, a strong trading company or a clear director profile can move the panel further on deposit here than on any other car in this catalogue. Where the application is thinner, the funder asks for a larger contribution rather than declining outright.
For most buyers it is the better arithmetic. A two or three-year-old example has already given up the sharpest part of its decline, the same deposit buys a materially lower monthly commitment, and the guaranteed figure a funder sets on it is proportionally more robust. What you need in the file is full network history, a documented brake and tyre position, and confirmation the car is a genuine Performante rather than a standard Urus with the visual parts fitted.
The monthly figure is higher because the car costs more, but the structure is not worse. Funders set the guaranteed value on a Performante using Performante transactions, and the variant has held a consistent premium over the standard car in the used market, so the percentage of the price the funder is willing to guarantee is broadly comparable. You pay more each month for a more expensive car and you get most of that difference back at disposal.
Lamborghini finance by structure
This page covers the Urus Performante. 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 Urus Performante?
Tell us about the car and we will come back with terms from the commercial lenders that write Lamborghini paper. From £2,139 a month on Lease Purchase.