Lamborghini finance Australia

Lamborghini models available in Australia

There are currently three Lamborghini models available to buy in Australia, including two sports cars and an SUV. These are:

• Lamborghini Aventador V12
• Lamborghini Huracán V10
• Lamborghini Urus

How much does a Lamborghini cost?

According to Redbook, popular 2020 Lamborghini prices are as follows:

• 2023 Lamborghini Urus S Auto AWD: $409,744
• 2023 Lamborghini Huracán EVO Auto RWD: $409,744*
• 2022 Lamborghini Aventador LP 780-4 Ultimae Auto AWD : $754,700

Fuel efficiency

According to Redbook, the fuel efficiency of the various Lamborghini models is as follows:

• Lamborghini Huracán LP610-4 Auto: 12.5L/100km
• Lamborghini Urus Auto: 12.7L/100km
• Lamborghini Aventador: 16.9L/100km

The ATO considers a fuel-efficient car as one with a fuel consumption of less than 7L/100km, which means no current Lamborghini meets that classification.

Other costs to consider

• Maintenance and repairs. As with any high-performance sports car, a Lamborghini will require regular maintenance and servicing. By keeping your vehicle in good working order, you will also potentially reduce the need for costly repairs down the line.
• New car extras. Lamborghini offers a suite of optional add-ons to its vehicles, which can add significantly to the cost of the car.
• Insurance. You are legally required to buy compulsory third party (CTP) insurance when purchasing a vehicle in Australia. There are also a range of optional insurance policies that you can purchase to cover theft, fire and other damage. The cost of your policy is determined by a number of factors, including your age, gender and driving history.
• Stamp duty. When you buy a car, you need to pay a duty to have it transferred into your name. The cost of the duty will vary by state and territory, but you can get an idea of how much you'll need to pay by using our vehicle stamp duty calculator.
• Cost of finance. Unless you are buying your Lamborghini outright, you will need to factor financing into the overall cost of your vehicle. See below for details on the financing options that are currently available.

What types of Lamborghini financing options are available?

• Secured car loan. A secured loan requires you to use your vehicle as security and may be seized by the lender in the event you default on the loan. You will generally receive a lower interest rate than if you did not use your vehicle as security.
• Unsecured car loan. If you do not wish to use your vehicle as security, you can opt for an unsecured car loan. In most cases, your rate will be higher than on a secured loan.
• Dealer finance. Some car dealers may let you finance your car directly through them.
• Commercial hire. A business finance option where you lease a vehicle over a set term and make regular lease payments.
• Chattel mortgage. Like commercial hire, a chattel mortgage is a business car loan that requires you to make regular repayments over a set term. However, your business takes ownership of the vehicle at the start of the loan.
• Novated lease. If you're employed and work for a business that supports novated leasing, you can use your pre-tax income to lease a vehicle and cover ongoing running costs.

Factors to consider when financing your Lamborghini

When looking at finance options, there are a few things you should consider. These include:

• Interest rate. The rate you receive determines the size of your repayments, so you should always research a number of options before finding one that is right for you.
• Loan term. Car loans generally offer loan terms of between one and seven years, but options like novated leases and commercial hire may only offer terms up to five years.
• Repayments. Most finance options will require you to make regular repayments over the course of the loan or lease. Straightforward car loans will generally have fixed repayments, but with commercial hire and novated leasing, you may need to make a final balloon payment to take ownership of the vehicle.
• Loan amount. Most car loans offered by lenders will have minimum and maximum borrowing amounts, so it's important to determine if a specific loan will meet your financial needs before applying.
• Fees and charges. Different fees and charges may apply depending on the type of financing option you choose. These include application and establishment fees, ongoing service fees and early repayment or break cost fees.
• Vehicle ownership. Both a normal car loan and a chattel mortgage will give you ownership of the vehicle, whereas a novated lease or commercial hire may require you to make a lump sum balloon payment at the end of the lease to take ownership.

What you will need to apply for a Lamborghini loan

To be eligible for a car loan, you will need to be:

• At least 18 years old
• An Australian citizen or permanent resident
• Employed and earning a stable income

Some finance options will have other criteria you will need to meet, but you will generally also be asked to provide the following as part of your application:

• Proof of residence
• Proof of employment
• Financial information, including any debts, assets and other liabilities

Frequently asked questions

• How long can I finance a Lamborghini for?

  Luxury car loan terms typically range from 1 to 7 years. Choosing a shorter term usually means paying less interest overall, while a longer term can make your monthly repayments more manageable.

• Can I finance a pre-owned Lamborghini?

  Yes. Many specialist lenders and luxury dealers provide finance options for pre-owned or certified Lamborghinis. Loan conditions will depend on the vehicle's age, mileage and resale value.

• Is there a balloon payment option with Lamborghini finance?

  Yes, you can often structure your Lamborghini finance with a balloon payment at the end of the term. This reduces your ongoing repayments but means you'll need to pay or refinance the balloon amount when the loan ends.

• Can I refinance my existing Lamborghini loan?

  If you're looking to reduce your repayments or interest rate, refinancing may be possible. Compare fees, current loan terms and any penalties before switching, as refinancing high-value vehicles comes with specific lender criteria.

• Do lenders have minimum income requirements for luxury car loans?

  Most lenders will assess your ability to service the loan based on your income, existing debts and overall financial position. While there's no universal minimum income, you'll generally need strong, stable earnings to qualify for Lamborghini finance.

• Does the type of Lamborghini model affect my finance options?

  Some lenders set limits or rate tiers based on the vehicle's value, rarity and age. Limited-edition or older supercars may be financed differently than newer models like the Huracán or Urus.

• Are there early repayment fees on Lamborghini loans?

  Some fixed-rate loans may charge early payout or break fees if you repay the loan before the end of the term. Check your loan contract or ask your lender to confirm any prepayment conditions.

Written by

Thomas Stelzer

Journalist

Tom Stelzer is a journalist with 6 years of experience covering personal finance, specialising in investment and cryptocurrency. With a Master of Media Arts and Production and a Bachelor of Communications in Journalism from the University of Technology Sydney, Tom provides expert analysis on digital assets and market trends, helping readers navigate the fast-evolving world of finance. See full bio