Maserati Finance

What a Maserati costs to finance

The cost of Maserati finance is built from the price, the deposit, the term and the balloon deferred to the end. On an MC20 at £211,000 a 20 per cent deposit with a 50 per cent balloon leaves under a third of the car to amortise across the term; take the balloon away and the whole balance amortises. That decision moves the figure far more than the rate does.

Deposits run 15 to 30 per cent, terms 36 to 60 months, and our indicative band is 8.9 to 9.9 per cent. A part exchange counts towards the deposit exactly as cash does, and we settle any outstanding agreement on it in the same transaction. At the lower end of the range condition is the real constraint, so on a used Grecale, Levante or Quattroporte the proposition is a well specified example rather than the cheapest in the classifieds.

We compute payment figures rather than print them. The calculator on this page runs your own numbers against any Maserati price, and the hire purchase, lease purchase, PCP and equity release pages each carry a computed deck. Maserati Financial Services, provided through the Stellantis captive arm, sits alongside the dealer on current cars, and where it is the better answer we will say so.

Maserati finance deals and the four agreements we place

Four structures cover every Maserati finance deal we write. Hire purchase spreads the full balance with no balloon and passes title with the final payment. It is our usual recommendation on a used Levante or Quattroporte, because a clean amortisation removes the residual argument entirely on a car that has already taken most of its depreciation.

Lease purchase defers an agreed sum to a final balloon pegged to the projected residual, which lowers the amount financed. It is the dominant structure on the MC20, where limited production, a carbon monocoque and the in-house Nettuno V6 support a balloon a lender will underwrite confidently.

Personal contract purchase fixes a Guaranteed Minimum Future Value at the outset, so the lender carries the residual forecast rather than you. It suits the Grecale and the GranTurismo, where volumes give a lender enough comparable data to set a firm figure and the buyer wants the option to hand the car back.

Equity release refinances a Maserati already owned, releasing the difference between an agreed valuation and any outstanding balance as cash. It does the most work on an MC12, on early Ghibli and Bora cars, and on low-mileage MC20 examples. Our finance guides compare all four in full and we will model two side by side on request.

Which Maserati models we fund, from Grecale to MC12

The MC20 is the mid-engine supercar at £211,000, with 621 bhp from the in-house Nettuno V6, as a coupe or the open Cielo. The GranTurismo is the front-engine 2+2 at £125,000, offered as the Modena and the Trofeo with the all-electric Folgore above them. The Grecale is the mid-size SUV from £64,000, running from the mild-hybrid GT and Modena to the Nettuno-powered Trofeo.

Two lines left production in 2024 and now form the bulk of the used market we fund. The Levante, the marque's first SUV, trades from £40,000 and topped out with the Ferrari-built twin-turbo V8 in Trofeo form. The sixth-generation Quattroporte trades from £35,000 and closed with the Quattroporte Trofeo. Both are strong propositions where specification and service history support the residual.

On the classic and limited side we arrange finance against the MC12, of which fifty road cars were built on Ferrari Enzo underpinnings, the 3500 GT, the original Ghibli, the Bora and Merak, the Khamsin, and the Biturbo-era cars now finding a collector audience. Each is underwritten on the individual car rather than on the model.

Modena residuals and what a lender will lend against

Maserati S.p.A. is headquartered in Modena, with the MC20 built at Viale Ciro Menotti, the GranTurismo at Mirafiori and the Grecale at Cassino, and the residual picture across that range is genuinely uneven. The volume cars have historically given up value faster than their German rivals, particularly the Ghibli and the entry Levante. The MC20 sits at the other end.

That spread is a buying position rather than a barrier. A car that has already taken its depreciation is a more stable asset to fund than one that has not, which is exactly why used Levante and Quattroporte deals underwrite well on hire purchase. Bora and Ghibli values traded softly through the 1990s and have climbed steadily since, which is history rather than a forecast but is what supports a deferred figure on a classic Trident car.

What lifts loan to value is evidence rather than reputation. Main dealer or Maserati specialist service history, a live warranty position, original specification, genuine mileage and a clean provenance check all move the number. The modern range shares platform and electrical architecture with the wider Stellantis group, which has improved parts supply and dealer support, and a documented history is how that gets in front of an underwriter.

Buying from a dealer, at auction, or in a private sale

Franchised Maserati dealers and independent specialists are the simplest route. There is an invoice, a warranty position, an approved used inspection where it applies, and the lender pays the dealer directly on the day. Allocation on a new MC20 or a specified GranTurismo sits with the dealer, and the finance runs alongside it and completes at handover.

A private sale is usually cheaper and always slower. The lender verifies title, confirms nothing is outstanding against the car and checks the V5C before releasing funds, and we start that the day a price is agreed. Buyers comparing Maserati cars for sale privately against dealer stock should price in those extra few days.

Auction carries most of the classic Trident market. You are committed at the fall of the hammer and the balance plus the buyer's premium is normally due inside seven days, so the facility has to be agreed before the sale. We confirm in writing whether the lender funds the hammer price or the all-in figure.

Maserati finance questions buyers ask

Can you get a Maserati on finance? Yes. We arrange car finance on new, used and classic Maserati cars through a panel of specialist lenders, usually with a decision inside 48 hours. On a small agreement the retail route through a dealer is often the appropriate one and we will say so.

Does Maserati offer its own finance? Yes. Maserati Financial Services is provided in the United Kingdom through the Stellantis captive arm and sits alongside the dealer on current cars, typically as a regulated retail product. We arrange unregulated commercial finance instead, which usually produces the sharper structure on used, classic and high-specification cars.

Is the Nettuno V6 built by Ferrari? No. The Nettuno is designed and built by Maserati in Modena and is the first engine the marque has produced in-house for around two decades, using a pre-chamber twin-spark combustion system adapted from Formula 1 practice. Earlier Maserati V6 and V8 engines, including those in the Quattroporte, Ghibli and Levante, were built by Ferrari, which is where the confusion comes from.

What is the 50 per cent rule for car finance? It is voluntary termination under the Consumer Credit Act and applies only to regulated consumer agreements. Everything we arrange is unregulated commercial finance, so it does not apply, and early settlement terms are agreed with the lender at the outset.