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Lamborghini is not just another car maker, and its vehicles aren’t just cars for commuting. Many Lamborghini vehicle models are described as “masterpieces” because of their distinctive style and grace.
Lamborghini prides itself on this style that sets it apart from others. In fact, this Italian sports car manufacturer was founded in 1963 with the goal of making vehicles that turn heads. Over more than a half-century, Lamborghini has built its brand identity as a master sports car maker that combines high performance with the ultimate in luxury features. But these cars come at a big price, with prices starting at $200,000 or more depending on the vehicle model.
The good news is that Lamborghini Financial Services — Lamborghini’s in-house retail financing arm — offers flexible options for leasing and buying its amazing vehicles. Offers vary by dealer, as borrowers can secure financing through Lamborghini Financial Services, as well as from a network of private lenders that partner with individual Lamborghini dealerships.
Lamborghini’s retail financing service offers more flexible financing options — including longer loan terms and lower down payment requirements — compared to many other lenders.
A longer loan provides lower monthly payments, while a deal structured with no down payment requirements allows you to get into your vehicle sooner without saving up a substantial sum. Many initial cash costs you’re responsible for can be included in your finance contract with Lamborghini Financial Services — you should however be aware that this will increase your total loan costs, since you’ll be paying interest on these initial expenses over time.
Loans made through Lamborghini Financial Services also have more lenient requirements regarding the insurance you carry, compared with other finance programs that usually cap your deductible as low as $500. The higher your deductible, the more affordable your insurance premiums and the easier it is to afford the total cost of Lamborghini ownership.
Whether you’re interested in a lease or loan through Lamborghini Financial Services, you’ll need to explore financing options through the individual dealer from which you’re purchasing your vehicle. Retail financing options are available through dealers in countries including the United States, Canada, Australia, China, India, Japan, Singapore, France, Germany, Italy, Monaco, Russia, Switzerland, United Arab Emirates and the United Kingdom.
Many dealers allow both online and in-person applications for financing. And most partner with a wide network of lenders, besides offering loans through Lamborghini Financial Services. This enables Lamborghini dealers to help would-be borrowers with all different credit scores to find a loan that’s right for them.
Lamborghini Financial Services aims to provide affordable loan and lease options. However, specific financing rebates and incentives may vary by dealer, as well as by vehicle make and model.
For example, Lamborghini North Los Angeles was offering a “once-in-a-lifetime” financing deal for a Lamborghini Gallardo. You can finance the vehicle, with a MSRP of $231,995, for $1,995 a month for 144 months. You’d need to put $20,000 down, though, as well as make the first payment and pay the cost of tag, title, taxes and fees.
Other Lamborghini dealers have their own special deals, rebates and incentives through Lamborghini Financial Services and partner lenders. Financing offers typically feature:
Your credit will also affect the type of financing you can obtain from Lamborghini Financial Services, so you’ll need to find out from the dealer you’re shopping with if you’re entitled to any special rebates or incentives based on your specific financial situation.
Because loans through Lamborghini Financial Services are made by individual dealers, you’ll need to contact your local dealer to find out how the application process will work. Many allow online applications, making the process of shopping for a loan easier. To apply, you will need to provide basic information, including:
When you submit an application with a Lamborghini dealer, you will be able to access loan offers not just from Lamborghini Financial Services, but also from other auto loan partners with which the dealer works. This can make it easier for you to find financing options that are affordable, and that you can qualify based on your credit score.
If your dealer has an online application option, it makes sense to fill it out and find out about your loan options early in the process of car shopping. Applying online and getting pre-approved for a loan saves you time and stress before you visit the dealership. You can make sure you’re able to afford the car you want and qualify for a loan on favorable terms, so you won’t waste time shopping for cars that are out of your price range.
Lamborghini Financial Services also offers lease options with favorable terms, including:
You’re also protected in the event of an accident when you finance through Lamborghini Financial Services. That’s because if your vehicle is declared a total loss, Lamborghini Financial Services pays the difference between the balance due on your lease and the reimbursement you receive from your auto insurer.
As with loan offers, you’ll need to find out about specific lease offers made available by Lamborghini Financial Services from your dealer as lease terms vary by location. Mileage and monthly leasing costs will also vary depending on vehicle model. For example, Lamborghini North Los Angeles allows you to lease a 2018 Aventador S Roadster for $5,298 a month plus tax, but you’d need a large down payment and would be limited to just 2,500 miles annually with these lease terms.
While leasing can make it more affordable to drive a Lamborghini — the down payment requirements and monthly payments for a lease are often lower than when you buy a vehicle — there could be lots of added costs associated with leasing that come up later. For example, you’ll have to pay very substantial per-mile fees if you exceed mileage limits. And, when you return the car, you’re also charged a high price if the wear and tear on the vehicle is considered excessive.
And, of course, you’ll also have to turn in the vehicle at the end of the lease, whereas when you finance a vehicle, you keep the car once the loan is paid off. You can choose to pay the buyout price for the car at the end of the lease term, but this isn’t always affordable for everyone.
Although Lamborghini Financial Services offers affordable financing options, you do not have to finance your vehicle through Lamborghini’s retail financing service. In fact, you don’t have to secure financing through your dealer at all. You can shop on your own for financing before you visit a dealership through:
Shopping for a loan online or with local financial institutions allows you to compare a wider variety of loan offers. You can get pre-approved for a loan from a lender of your choosing before visiting a dealer and compare the loan you’ve been offered with the financing terms available through Lamborghini Financial Services or other dealer partners.
LendingTree makes it easy to get quotes from multiple lenders, as you can fill out one simple online form to receive up to five auto loan offers from up to five different lenders, based on your creditworthiness. By getting multiple quotes, you can make sure you’re getting the best possible auto loan rates. This is especially important when financing an expensive vehicle, like a Lamborghini — even a slight difference in the interest rate can raise or lower monthly payments by hundreds of dollars.
Lamborghini vehicles are built around a simple premise devised by Ferruccio Lamborghini: Unless a vehicle made bystanders on the roadside turn around in astonishment, the car was not attractive enough.
Lamborghini today continues the tradition of designing cars that turn heads. Lamborghini drivers not only enjoy high-performance vehicles, but also the beauty of each model’s purist style and sleek lines. Securing affordable financing to buy a Lamborghini is the dream of car enthusiasts everywhere.
Fortunately, as this guide shows, there are plenty of options to consider whether you’re looking to lease your Lamborghini or to make the car yours for good.
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