2018-2021 used (first-gen)
$340,000Original Urus launch cars. 4.0L twin-turbo V8. Service history through Giltrap and platform-familiar VW Group specialists available.
Weekly
$1,553.63
Monthly
$6,732.41
Lamborghini model
Lamborghini Urus finance calculator
The highest-volume Lamborghini in New Zealand, cross-shopped against Cayenne Turbo and RS Q8.
Last reviewed: 23 April 2026
Your estimated repayment
Weekly
$2,011/week
$4,021 /fortnight $8,713 /month
$440,000
$0
7.00% p.a.
5 years
We are not a finance company. Indicative only. Not a quote or offer of credit. Actual rates, fees, and repayments depend on your circumstances and the lender's decision.
Lamborghini Urus finance calculator Not a lender. Not a broker. Financing a Lamborghini Urus in New Zealand
The Urus is Lamborghini's highest-volume model in New Zealand and the car that introduced a substantially broader buyer cohort to the brand since 2018. NZ supply runs mostly NZ-new through Giltrap Lamborghini Auckland, with a thinner UK-import flow appearing on 2018 to 2020 cars. Urus shares MLB-Evo platform underpinnings with Audi RS Q8, Bentley Bentayga V8, and Porsche Cayenne, which gives specialist lenders useful cross-reference residual data despite the Lamborghini nameplate running at narrow NZ volume. A large share of Urus finance in NZ in practice runs through business and trust structures rather than consumer loans, because the typical Urus buyer is a business owner or professional-services principal where chattel mortgage meaningfully outperforms consumer secured-car finance.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
Urus prices and repayments, by era.
Typical NZ market prices and the weekly cost of financing each. All figures assume 7% over 5 years with no deposit. Indicative only; open the full calculator to pre-set your own rate and term.
2022-2023 used (S, Performante)
$430,000Facelifted S with mild styling updates; Performante adds track-focused hardware and wider stance. Performante retains value unusually firmly.
Weekly
$1,964.89
Monthly
$8,514.52
2024-2025 used (SE)
$510,000Plug-in hybrid Urus SE introduced late-2024. New PHEV drivetrain pushes price up and qualifies for reduced PHEV RUC.
Weekly
$2,330.45
Monthly
$10,098.61
2024+ new
$560,000Current NZ-new pricing through Giltrap Lamborghini Auckland. Allocation-driven; waiting lists common on Performante and SE variants.
Weekly
$2,558.92
Monthly
$11,088.67
Who this suits
Who buys a Lamborghini Urus?
- Business-owner buyers replacing a Cayenne Turbo GT, RS Q8, or Bentayga V8 and wanting chattel-mortgage treatment against the business.
- Family buyers in Remuera, Epsom, Merivale, or Queenstown trading a large executive SUV for the Urus as a daily driver with a meaningful business-use component.
- Existing Huracan or Aventador owners adding a Urus as the practical daily while retaining the V10 or V12 as a weekend car.
Financing notes
What financing a Urus usually looks like.
At $440,000 across a 4-year term at an indicative 9.5% specialist asset-finance rate, the weekly lands around $2,470, or roughly $10,720 a month. Shortening to 3 years pushes the weekly to roughly $3,170 but cuts total interest by more than a third. For Urus buyers with genuine business use (construction, property, professional-services, agribusiness), a chattel mortgage through a specialist asset-finance lender almost always beats consumer secured-car finance once GST, interest deduction, and diminishing-value depreciation are factored in. Engage the accountant before any Giltrap conversation on a Urus purchase above $350,000.
Model-specific questions
Lamborghini Urus finance FAQ.
Should I finance a Urus through specialist asset finance or through my bank private-banking relationship?
Price both on the same week. Specialist asset-finance lenders (Finance Guys, Classic Vehicle Finance NZ, and similar) typically price against the Urus as a secured asset at specialist-exotic rates. Private-banking secured lending uses the relationship and wider collateral picture, which can land tighter on rate but often requires a broader banking relationship. If the Urus touches a business, neither matters as much as the accountant conversation on chattel mortgage versus consumer finance.
Is a 2018 first-generation Urus a sensible finance choice in 2026?
Usually yes on a 3 to 4 year term, provided the car has a documented Giltrap or Lamborghini-specialist service history. First-generation Urus (2018 to 2021) shares VW Group mechanicals with RS Q8 and Cayenne Turbo, so parts supply and service knowledge run broader than a pure Lamborghini-only platform. Most buyers budget for a specialist pre-purchase inspection if the car has no Giltrap Approved certification, focused on suspension air-ride condition and service history completeness.
Is a Urus commonly financed through a company or trust?
It frequently is, and the structure follows the ownership rather than the other way round. Deductibility and fringe benefit tax treatment depend on how the vehicle is actually used, which is your accountant's call, subject to their confirmation.
How does a Urus compare with a Cayenne Turbo on finance?
Both are financed as high-value SUVs, but Porsche has the deeper NZ resale market of the two, which usually gives a lender more evidence and a little more room on term. The Urus tends to attract a firmer deposit for the same reason.
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A formal estimate on a Lamborghini Urus.
Our finance partner compares multiple NZ lenders. Calculator inputs travel through to the application, and the partner returns a formal estimate after the lender's credit assessment.