Can you help me finance a Lamborghini Huracan?
In this real-life transcript, a JBR Capital customer asked about funding for a Huracan and wanted clarification with regards to dealer vs. independent finance.
Customer
Good afternoon, are you able to provide a quote or indication through this chat?
JBR Capital
Hi, yes – we certainly can. What car are you looking at?
Customer
Great. It’s a Lamborghini Huracan – a used car from 2018 and the 580-2 model rather than 610-4
JBR Capital
That’s a great car – the two-wheel drive version?
Customer
Yes. I think they’re really good value at the moment too.
JBR Capital
They certainly are. We have funded a number of Huracan 610-4s, but the 580-2 is a little rarer and a real drivers’ machine. What sort of deposit are we looking at?
Customer
I’ll suggest £30k for now
JBR Capital
Happy to look over three or four years, what suits you best? Also, should we assume low miles per annum here? Maybe circa 5000 miles?
Customer
Can we look at both three and four year options? And yes, 5k sounds about right.
JBR Capital
Okay, looking in your personal name or do you have a company you would like to run it through?
Customer
Personal
JBR Capital
OK, I have some quotes for you – certainly very competitive. And I also have a quote for two years which I think you’ll be interested in. All quotes have balloon payments at the end. To get something more bespoke to you, I can call at a time that suits. No commitment required at this stage – we specialise in this area and Lamborghinis in particular – and don’t work from figures set in stone or from a computer.
Customer
Thanks – yes let’s arrange a call. Forgive my ignorance as only ever financed directly with dealer/manufacturer – but for PCP with a balloon payment, does it work the same way in that if I don’t want to keep the car I can still hand it back at the end of the period?
JBR Capital
Very similar, but as we specialise in prestige and supercars cars only, we do not offer the PCP product where you can hand the car back. Our clients will usually part-ex, sell privately or settle early or purchase outright.
Customer
Got it, that makes sense. Thank you.
JBR Capital
No problem at all. It’s important that you have all the information – for instance we tend to be more flexible than most because we are independent and we are lending our own money. I’ll explain a little more on the call. What’s the next steps for you? Are you off to see the car?
Customer
Yes. I am test driving the car this week and would like to have a better idea of what my finance options are beforehand. Can we arrange a call before Thursday?
JBR Capital
Absolutely, that makes sense. I am free whenever it suits you, let me know a time other than between 2 and 3pm today.
Customer
Free now if that works?
JBR Capital
Works for us, we’ll call now!
JBR Capital
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*The figures shown are purely for illustrative purposes. For your personalised rate please give our team a call on 020 3603 0074 – you may discover savings beyond those shown by the examples.
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