Lamborghini Urus Price in Dubai: Cash, Bank or Monthly Lease to Own

On 1 November 2026, used Lamborghini Urus asking prices in Dubai run from AED 469,000 for a 2019 car to AED 1.4 million for a 2024 Performante, and a new Urus SE is listed at AED 1.1–1.5 million. Our 2021 Urus costs AED 690,000, or AED 27,127 a month over 36 months on lease to own with 20% down.

The market figures are asking prices on DubiCars, one of the largest car marketplaces in the UAE, which we read on 1 November 2026: 93 Urus listings, new and used. An asking price is not a sale price, and dealers negotiate. Lamborghini's own website shows no UAE price for the Urus SE, only a configurator and an enquiry form, so treat every market number here as a benchmark, not a quote.

Our own numbers are different: the price of a car we own, and the exact payments our calculator and written quotes give for it.

Standard cars only, unless stated. Body-kit conversions (Mansory, Novitec, Keyvany) are priced on taste and are left out of the ranges. Mileage is as the seller listed it. Data on 1 November 2026.

• 2019, original Urus (650 CV): AED 469,000–599,000, five cars with 50,000–115,000 km
• 2020: AED 535,000–729,000, eight cars with 12,000–102,000 km
• 2021: AED 669,000–770,000, four cars with 47,000–93,000 km. Body-kit 2021s asked anywhere from AED 649,000 to AED 1.1 million
• 2022, the last year of the original: AED 629,000–869,000, eight cars with 2,800–113,000 km
• 2023, Urus S (666 CV): AED 899,000–999,995, seven cars
• 2023, Urus Performante (666 CV, lighter and firmer): AED 985,000–1,160,000, six cars
• 2024: Urus S at AED 899,000–995,000 (three cars); Performante at AED 1.05–1.4 million (15 cars, three of them listed as new)
• Urus SE plug-in hybrid (800 CV), new or zero-kilometre: 19 imported cars at AED 1.11–1.5 million, median about AED 1.25 million, plus the GCC-spec car below and a widebody car at AED 1.79 million. Four lightly used SEs asked AED 1.18–1.33 million

Two patterns stand out. The step between generations is bigger than the step between years: a 2022 original and a 2023 Urus S are one model year and roughly AED 200,000 apart. And specification matters as much as mileage: nearly every new SE listed was an import, while the one GCC-spec SE, with 200 km and dealer warranty, asked AED 1,599,000.

In short: about AED 700,000 buys a good original-generation Urus, about AED 1 million a Urus S, and about AED 1.25 million a new SE, or AED 1.6 million for a GCC-spec one.

Five things set the price of a used Urus in the UAE, roughly in this order.

• Generation. The original Urus, sold as 2019–2022 model years, has a 4.0-litre twin-turbo V8 with 650 CV. The Urus S and Performante that replaced it have 666 CV, and the Urus SE adds a plug-in hybrid system for 800 CV combined (figures from Lamborghini).
• Mileage. Among the standard 2021s on sale, the car with about 47,000 km asked roughly AED 100,000 more than the one with 93,000 km.
• Specification. GCC-spec cars were built for the region and usually carry regional service records. Imports can be cheaper or dearer depending on condition and paperwork; our article on GCC versus American spec cars explains the differences.
• History and warranty. A full agency service history and any warranty or service contract left on the car add value. A VIN check for accident history, an unpaid bank loan on the car and total-loss records should come before any talk of price.
• Body kits. Mansory, Novitec and similar conversions are priced on taste, above or below a standard car. Check that a kit is genuine and properly fitted.

Our 2021 Urus is a standard original-generation car: Gray, 650 hp, all-wheel drive, priced at AED 690,000. That puts it in the lower half of the AED 669,000–770,000 band for standard 2021s on the market. We price fleet cars against live comparables (our DealDrive market analysis), and every car passes a 150-point Super VIP inspection before we offer it. Ask for the odometer reading and the inspection report: you see both before you sign.

Here is the arithmetic exactly as our calculator and our written quotes do it, on the 2021 Urus at AED 690,000 (data on 1 November 2026). Two payments run side by side: a monthly for the car, and one annual payment of 5% of the car's price, minimum AED 8,000, for comprehensive insurance and RTA registration. The down payment counts as payment number one. Every payment is fixed on the day you sign, and nothing compounds.

How we worked out the 36-month figure at 20% down:

• Price of the car: AED 690,000
• Down payment, 20%: AED 138,000. This is payment number one
• Annual payment, 5% of AED 690,000: AED 34,500
• Cash on day one: AED 138,000 + AED 34,500 = AED 172,500. No separate first monthly is added, because the down payment is the first payment
• Then 35 monthly payments of AED 27,127
• The annual payment again at the start of years two and three: AED 34,500 each time
• Total over the contract: AED 138,000 + 35 × AED 27,127 + 3 × AED 34,500 = AED 1,190,945
• After the last monthly the car transfers to you. There is no final payment on this plan

All three terms at 20% down (AED 138,000), no final payment:

• 12 months: AED 172,500 on day one, then 11 monthlies of AED 62,225. Total AED 856,975
• 24 months: AED 172,500 on day one, then 23 monthlies of AED 35,520. Total AED 1,023,960
• 36 months: AED 172,500 on day one, then 35 monthlies of AED 27,127. Total AED 1,190,945

With no down payment. This Urus belongs to our own fleet, so it can also start without a down payment on 12, 24 or 36 months. Then every payment is a monthly, and day one is the first monthly plus the annual payment:

• 12 months: AED 71,300 a month, AED 105,800 on day one, total AED 890,100
• 24 months: AED 42,550 a month, AED 77,050 on day one, total AED 1,090,200
• 36 months: AED 32,967 a month, AED 67,467 on day one, total AED 1,290,312

With a larger down payment. At 50% down (AED 345,000) over 36 months, the monthly falls to AED 16,954 and day one is AED 379,500.

The car card on this page shows a lower "from" figure, AED 21,213: it assumes a final payment of 30% of the price after the last monthly, which some of our own cars allow only on request. Nothing in this guide uses it. The card and our calculator always show the current figure.

Put the same AED 690,000 car through all three routes.

• Cash. AED 690,000 on day one, and the car is yours. You insure it yourself every year: one UAE comparison site published a quote of AED 39,375 a year for a 2021 Urus valued at AED 787,500, about 5% of its value, and the RTA renews registration only once the car is insured. Cheapest in total, and every dirham of depreciation is yours.
• A bank loan. Under Central Bank rules, as the government portal u.ae sets them out, a car loan cannot exceed 80% of the car's value or run past 60 months, and the monthly deduction cannot exceed half the borrower's salary. On this Urus that means at least AED 138,000 down, income documents, an AECB check and an income at least twice the repayment. The car is in your name with the bank's mortgage on it. If you qualify, a bank is usually cheaper over time than lease to own.
• Lease to own with us. Two documents: an Emirates ID and a UAE driving licence. No salary certificate and no AECB score, and the lease does not appear on your AECB record. AED 172,500 on day one at 20% down, or AED 67,467 with no down payment over 36 months. Insurance and registration sit inside the annual payment, which we arrange. The car is registered to our company during the term and becomes yours after the last payment. A decision usually comes within 24 hours, keys in 1–3 business days, and some applications are declined.

Which route wins on what:

• Lowest total cost: cash, then usually a bank, if you qualify
• Least cash on day one: lease to own with no down payment
• Fewest documents: lease to own
• Car in your name from day one: cash or a bank
• Capital left free for your business or property: lease to own, or a bank

Lease to own costs more in total than cash. What you pay for is AED 690,000 that keeps working elsewhere, and not needing a bank to say yes. If neither matters to you, pay cash; our article on supercars and cash covers the capital side.

• Insurance and registration. On our lease they sit inside the annual payment, AED 34,500 a year on our 2021 Urus, placed and renewed by us. If you own the car, budget around 5% of its value a year for comprehensive cover and compare several quotes: premiums vary widely by insurer, driver and excess.
• Salik. Since 1 June 2026 Dubai's road tolls include 5% VAT: AED 6.30 per crossing at peak and AED 4.20 off-peak, across 10 gates. One gate each way at peak on 22 working days comes to about AED 277 a month. On our lease we provide the tag, and you keep it topped up.
• Darb in Abu Dhabi. AED 4 per crossing from 07:00 to 09:00 and from 15:00 to 19:00, except Sundays and public holidays. The daily and monthly caps have been removed.
• Fuel. Lamborghini quotes 14.1 litres per 100 km (WLTP) for the Urus S and Performante, and 12.9 litres per 100 km for the SE once its battery is flat. Dubai traffic and constant air conditioning usually push real-world figures higher.
• Tyres, brakes and servicing. Yours on our lease, as if you owned the car. The Urus S rides on 22- and 23-inch wheels, and Lamborghini lists carbon-ceramic brakes on both the original Urus and the Urus S; tyres and brakes at this size cost far more to replace than on an ordinary SUV. Before you sign, ask the dealer or an independent Lamborghini specialist for a written price for the next service and a set of tyres.

The car is registered to our company for the whole term, and the comprehensive policy is an ordinary UAE motor policy. Every rule below follows from those two facts.

• Mileage. 25,000 km a year as standard, with 35,000 and 50,000 km packages. Buying a package at signing costs less than paying for extra kilometres at the end. Every car has GPS.
• No off-road or desert driving, no track days and no timed events. The policy excludes them.
• No driving outside the UAE. Crossing a GCC border in a car you don't own needs the registered owner's NOC. On our lease the car stays in the UAE.
• Settling early. You can pay off the contract and take the car before the term ends. Ask for the settlement figure at month 12 or 24 before you choose the term.
• Missed payments. Talk to us first. There is a seven-day grace period; after that the car can be immobilised remotely until the balance is paid, and we always try to reach you before that happens.

If the car you want is a newer Urus, a different colour or a GCC-spec car with warranty left, our Bring Your Own programme buys it and leases it to you: cars listed from AED 150,000, model year 2023 or newer, with no final payment. The rules:

• Every Urus S, Performante and SE qualifies on both price and age
• Older luxury cars, a 2021 or 2022 Urus among them, are considered individually: subject to DYD confirmation for that vehicle, and a manager confirms before any number is final
• The price basis is the listing plus 5% VAT when the seller is a showroom or a private owner; from an official dealer it is the listing itself
• 20–50% down, 12 or 24 months (36 months only case by case), no final payment: the car is yours after the last monthly
• We value the car against the market, run the same 150-point inspection, buy it and register it. From link to keys usually takes 5–7 business days
• Chinese brands and fully electric cars don't qualify. Plug-in hybrids such as the Urus SE do

A worked example: a 2023 Urus S listed by a showroom at AED 950,000. The price basis is AED 997,500, the listing plus 5% VAT. Over 24 months at 20% down, day one is AED 249,375: AED 199,500 down plus the first annual payment of AED 49,875. Then come 23 monthlies of AED 51,350. Over 12 months the monthly is AED 89,956.

A 2022 Urus listed at AED 750,000, subject to DYD confirmation: price basis AED 787,500, AED 196,875 on day one, then 23 monthlies of AED 40,539 over 24 months.

In October 2026 our team prepared 159 written quotes, and 11 of them included a Urus. Seven were for the Urus alone. The other four set it next to a Huracán Tecnica, a G-Class, a Range Rover Sport, a Rolls-Royce Cullinan or a BMW X5. Two of those four were for a 2024 Urus Performante found on the market rather than in our fleet. In 5 of the 11, all three terms, 12, 24 and 36 months, were laid out side by side.

Across all 159 quotes, 59, more than a third, included at least one car priced at AED 500,000 or more. That is why every example in this guide shows day-one cash next to the monthly: on a car at this price, the day-one figure is the bigger one to plan for.

• You have the cash and no better use for it over the next three years. Buying costs less in total
• You qualify easily with a bank and want the lowest total over five years
• You plan to drive to Oman, take the car into the desert or onto a track. None of that is allowed on our lease
• You drive far more than 50,000 km a year
• You want a different car every year. A 12-month plan on an AED 690,000 car means monthlies above AED 60,000

Our numbers: the fleet price and every monthly figure are what our calculator and written quotes give for this car on 1 November 2026, and the quote counts are October 2026 totals from our own records, with no client details. Market numbers: the asking prices DubiCars showed on 1 November 2026, after any reductions, leaving out body-kit cars and obvious listing errors. Specifications are Lamborghini's own.

Market prices change every day, and an asking price is not a sale price. Our terms can change too, and every plan is confirmed for the specific car before you sign.

How much is a Lamborghini Urus in Dubai?

On 1 November 2026, used Urus asking prices in Dubai run from about AED 470,000 for a 2019 car to AED 1.4 million for a 2024 Performante; a new Urus SE is listed at AED 1.1–1.5 million. Our 2021 Urus is AED 690,000. These are asking prices, and dealers negotiate.

What is the monthly payment on a Lamborghini Urus?

On our 2021 Urus at AED 690,000, from AED 27,127 a month over 36 months at 20% down, with no final payment. Over 24 months it is AED 35,520 and over 12 months AED 62,225. Insurance and registration are a separate annual payment of AED 34,500. With no down payment, 36 months comes to AED 32,967 a month.

Can you lease a Lamborghini in Dubai and own it at the end?

Yes. On lease to own the car is registered to our company during the term and transfers to you after the last payment. We have a 2021 Urus in the fleet now, and through Bring Your Own we can buy a Urus you find on the UAE market, listed from AED 150,000 and 2023 or newer, and lease it to you with no final payment.

How much cash do I need on day one to lease a Urus?

On our AED 690,000 Urus at 20% down, AED 172,500: the AED 138,000 down payment plus the first annual payment of AED 34,500. With no down payment over 36 months it is AED 67,467, the first monthly plus the annual payment.

Can I rent a Lamborghini on monthly payments and keep it?

A monthly rental hands the car back at the end. On lease to own you pay a fixed monthly plus an annual payment for insurance and registration, and the car becomes yours after the last payment: on our 2021 Urus, from AED 27,127 a month over 36 months at 20% down.

Is a bank loan cheaper than lease to own for a Urus?

Usually, if you qualify. Under Central Bank rules a car loan covers at most 80% of the value over up to 60 months, and the repayment cannot exceed half your salary, so on an AED 690,000 Urus you need at least AED 138,000 down, income documents and an AECB check. We ask for an Emirates ID and a UAE driving licence.

What documents do I need to lease a Urus in Dubai?

An Emirates ID and a UAE driving licence; no salary certificate, bank statements or AECB score. A decision usually comes within 24 hours and keys follow in 1–3 business days. We decide every application ourselves, and some are declined.

Can I drive a leased Urus to Oman or in the desert?

No. On our lease, driving outside the UAE, off-road or desert driving and track days are all prohibited: the car is registered to us, and the comprehensive policy excludes them. The standard allowance is 25,000 km a year, with larger packages at signing.