Lamborghini Urus Finance
Specialist finance for every Lamborghini Urus, from the original model to the Performante, Urus S and plug-in hybrid Urus SE. Hire purchase, lease purchase, PCP and bespoke structures, arranged by a team that knows the car and the market.
Lamborghini's Super SUV
Lamborghini has built some of the world's most striking cars since 1963, from the Miura and Countach to the Aventador and Huracán. Unveiled at the end of 2017, the Urus brought that design language and performance to an entirely new kind of Lamborghini.
Its 4.0-litre twin-turbo V8 produces 650 PS in original form, enough for 0 to 62 mph in 3.6 seconds and a top speed of 190 mph, yet it offers four or five seats, a generous boot and genuine everyday practicality. It has gone on to become Lamborghini's best-selling model.
The range has since grown to include the Performante, the Urus S and the 800 PS plug-in hybrid Urus SE. With so many model years and specifications on the market, the right finance structure depends on the exact car. Explore our wider Lamborghini finance options.
Every Urus, Financed
From early cars to the latest plug-in hybrid, we fund the full Urus line-up, new and used.
Urus
2018 to 2022The original Super SUV. A twin-turbo V8, all-wheel drive and rear-wheel steering combined with real space for family and luggage.
Urus Performante
From 2022Lighter, lower and sharper, with steel springs in place of air suspension, a focus on dynamic performance and a dedicated Rally driving mode.
Urus S
From 2022The successor to the original Urus, pairing the extra power with air suspension and a focus on comfort and versatility.
Urus SE
From 2024Lamborghini's first plug-in hybrid SUV, combining the twin-turbo V8 with an electric motor for 800 PS and an electric-only driving mode.
Choosing the Right Structure
The right agreement on an Urus depends on the variant, its age, how long you plan to keep it and how you want to manage your monthly outlay. Here is how the main options compare.
| Feature | Hire Purchase | Lease Purchase | PCP |
|---|---|---|---|
| Balloon at end | None | Required | Optional GFV |
| Ownership at end | Automatic | If balloon paid | If GFV paid |
| Monthly payments | Higher | Lower | Medium |
| Mileage limits | None | None | Yes, charged per mile |
| Hand back option | No | No | Yes |
| End of term decision | None required | Settle or refinance | Keep, return or trade |
Keeping it for the long term
Hire purchase gives you full ownership at the end with no balloon to plan for, with fixed payments that never change throughout the term.
Changing every few years
PCP keeps monthly payments down, with the option to keep, hand back or part exchange at the end. Ideal if you plan to move to a newer Urus.
Already own an Urus?
Equity release can unlock capital tied up in your car while you keep driving it, and re-financing can restructure an existing agreement or a looming balloon.
From Enquiry to Keys
Clean, fast and discreet, with no unnecessary credit footprints along the way.
Conversation
Tell us which Urus you have found and your situation. We talk through the structures that fit.
Proposal
We model deposit, term and balloon options so you see the full picture before anything is submitted.
Decision
One submission to the right specialist lender, with a decision typically within hours.
Paperwork
Clear, compliant documentation handled efficiently and discreetly, with us liaising with the dealer.
Payout
Funds are released, the deal completes and the Urus is ready to collect.
Specialist Finance. Built Around You.
Dealers and manufacturer finance arms can only offer one lender's criteria. As an independent, FCA authorised broker, Elev8 opens up a specialist panel that understands prestige vehicles and complex income, then structures each deal individually before a single application is made.
Specialist Lender Access
A curated panel of lenders operating outside high-street parameters, with appetite for supercars, prestige marques and high-value deals.
One Credit Search
We submit to the right lender for your profile, not speculatively to several, so your credit file stays protected throughout.
Complex Income Welcome
Directors, self-employed professionals and high-net-worth clients assessed on the full picture: dividends, retained profit, assets and investments.
Decisions in Hours
Deals modelled and structured upfront, so credit decisions typically come back within hours, not days.
Transparent Commission
Zero clawback after the first payment, so there is no incentive to place you in the wrong product. No broker fee to you, ever.
Genuinely Independent
We work for you, not the lender or the dealer. Every recommendation is the structure that fits your car, budget and plans.
Finance For Every Kind of Driver
From straightforward ownership to releasing the value in a car you already have, every structure is arranged from £15,000 upwards with no published upper limit.
Hire Purchase (HP)
Fixed monthly payments and full ownership at the end of the term, with no balloon payment to plan for.
- Deposits from 5%
- No mileage limits
- Classic cars up to 14 years at term end
Lease Purchase
Lower monthly payments with a balloon at the end, ideal for high-value cars where cash flow matters.
- Reduced monthly outlay
- No mileage restrictions
- Settle or refinance at term end
Personal Contract Purchase
Flexible monthly payments with the choice to keep, hand back or part exchange when the agreement ends.
- Guaranteed future value
- Keep, return or trade at term end
- Ideal for regular upgraders
Equity Release
Unlock capital tied up in a prestige or classic vehicle you already own, without having to sell it.
- Release cash from your car
- Keep driving it throughout
- Structured around your plans
Re-financing
Restructure an existing agreement or a looming balloon payment into terms that suit you better.
- Refinance balloon payments
- Review your current deal
- Specialist panel access
Speak to the Team
Tell us about the car and your situation. We will model the options and recommend the structure that genuinely fits.
Can I finance a used Lamborghini Urus?
Yes. We arrange finance on new and used examples across the full range, from early Urus models to the Performante, Urus S and Urus SE. Older examples are funded subject to the vehicle sitting within our lenders' age limits at the end of the term.
Which finance option is best for an Urus?
It depends on how long you plan to keep the car. Hire purchase suits buyers who want to own the car outright with no balloon. Lease purchase lowers monthly payments by deferring part of the cost to a final balloon. PCP gives you the option to hand the car back. We model each option before any application so you can compare them side by side.
Is there a mileage limit on Urus finance?
Hire purchase and lease purchase agreements carry no mileage limits. PCP agreements include an agreed annual mileage, with a charge per mile if you exceed it and choose to hand the car back.
I am a director or self-employed. Can I still get Urus finance?
Yes. Our specialist lenders assess the full financial picture, including dividends, retained profit, assets and investment income, rather than applying a simple multiple to a salary figure. If you have been declined by a high-street lender or a manufacturer finance arm, speak to the team before drawing any conclusions.
How quickly can Urus finance be approved?
Because we structure the deal before submitting it to a single, carefully selected lender, credit decisions typically come back within hours. Paperwork and payout follow quickly once the decision is in.
Can I finance an Urus in my company name?
Regulated hire purchase is not available to limited companies, PLCs or limited partnerships. If you would like to finance an Urus in a company name, speak to the team, as alternative structures may be appropriate for your situation.
Can I release equity from an Urus I already own?
Yes. Equity release lets you unlock capital tied up in your Urus while you keep driving it. If you have an existing agreement or a balloon payment approaching, we can also look at re-financing it onto better-suited terms.
What is the minimum and maximum I can borrow?
We arrange finance from £15,000 upwards with no published upper limit, so even the most valuable Urus is within scope. The right structure is agreed with you before any application is submitted.
Found Your Urus?
Every client and every car is different. Tell us which Urus you have your eye on and we will find the most suitable funding structure, not the most convenient one.
Consumer Credit Act 1974
Regulated agreements are covered by the Consumer Credit Act 1974, which provides important protections and rights throughout the term.
- The agreement is secured against the vehicle. If repayments are not maintained, the lender may take steps to recover the outstanding amount, which can include repossession of the car.
- You can make lump sum payments at any point to reduce your outstanding balance and total interest cost.
- You can settle the agreement early by repaying the required amount, with a statutory rebate of interest applied.
- A lower deposit or a larger balloon increases the risk of negative equity if you settle early or change the vehicle before the end of the agreement.
- Elev8 Finance is authorised and regulated by the Financial Conduct Authority, FRN 669015. We are a credit broker, not a lender. Finance is subject to status.