Available but limited
Maserati Refinance and Equity Release
Capital released against a Maserati you keep driving, where the valuation supports it. The numbers are below.
Indicative repayment from
£1,242a month
Based on £50,000 released and repaid over 48 months at 8.9% nominal, with the car staying yours throughout.
- Released
- £50,000
- Term
- 48
- Balloon
- None
example sum
months
capital and interest
Indicative and not a quotation. Computed at render time from the capital sum shown on the same amortisation the calculator runs.
An owned MC20, Grecale or GranTurismo can release capital and stay on your driveway, and an independent appraisal set against any settlement figure is what decides it. Where Maserati equity release does not reach, Hire Purchase is the structure that usually works better on this marque, funding the next car outright instead of borrowing against a falling one.
We arrange Maserati refinance across 5 current and recent Maserati S.p.A. models, from the Quattroporte at around £35,000 to the MC20 at £211,000. Every figure on this page is computed from those real list prices by the same finance calculator you can run yourself, and we are an independent credit broker arranging the financing rather than a lender, so the rate and the term come back from our panel of specialist lenders rather than from us.
What Maserati refinance costs a month
Releasing capital against a Maserati costs the interest on the sum advanced over the term you pick, and nothing else moves it. The table below prices three example sums at 8.9% nominal over 36, 48 and 60 months, so you can see what the term does to the monthly payments before committing to one. Maserati car equity release is secured lending against a car you own, so what can be advanced is settled by an independent appraisal of its market value.
| Capital released | Over 36 months | Over 48 months | Over 60 months |
|---|---|---|---|
| £50,000 | £1,588 | £1,242 | £1,035 |
| £100,000 | £3,175 | £2,484 | £2,071 |
| £200,000 | £6,351 | £4,968 | £4,142 |
Indicative only and not a quotation. The capital sums shown are examples rather than an offer: what can actually be advanced against your car depends on an independent appraisal, on anything still outstanding against it, and on the commercial lender's underwriting. Figures are computed on a straight amortisation at the nominal annual rate shown and assume no fees.
Maserati refinance finance calculator
Change the price, the deposit and the term to see what moves. The calculator runs the same amortisation as the table above, so the two can never disagree.
Vehicle Config
mi
£
Equity Release
£
Ready to Calculate
Select your vehicle and finance options, then click "Get Quote" to see your personalized finance breakdown and market analysis.
Which Modena models hold enough value to refinance
We arrange Maserati refinance across the Maserati S.p.A. range rather than on a shortlist of easy cars, but the structure does not fit every model equally. Our specialist lenders take new, pre-owned and classic Maserati cars alike, and the judgement in the table below comes from how each car has actually behaved at the end of a term rather than from what is easiest to place.
The Maserati MC20 suit Maserati refinance. The Grecale, Levante, GranTurismo and Quattroporte do not, for the residual reason set out further down. Prices below are list, and a pre-owned MC20 is arranged on the same panel as a new one.
| Model | List from | Suits refinance | Why |
|---|---|---|---|
| MC20 | £211,000 | Yes | Value has held or risen, so there is equity to advance against |
| Grecale | £64,000 | No | Equity only where the car is owned outright |
| Levante | £40,000 | No | Equity only where the car is owned outright |
| GranTurismo | £125,000 | No | Equity only where the car is owned outright |
| Quattroporte | £35,000 | No | Equity only where the car is owned outright |
Maserati
MC20 Finance
From £211,000621 bhp
Maserati
GranTurismo Finance
From £125,000542 bhp (Trofeo)
Maserati
Grecale Finance
From £64,000523 bhp (Trofeo)
Maserati
Levante Finance
From £40,000580 bhp (Trofeo)
Maserati
Quattroporte Finance
From £35,000572 bhp (Trofeo)
Each card opens the model page, where you can model Maserati refinance financing against that specific vehicle.
How much can be released against a Maserati
Three things decide what comes back on Maserati refinance: what an independent appraiser puts on the car, what is still outstanding against it, and how long you want to repay the total amount over. The advance settles any existing agreement first, and the balance is what reaches you. Ownership of the Maserati does not move at any point and you keep driving it throughout.
Repayment on Maserati car equity release is straight capital and interest at 8.9% indicative nominal, with no balloon and no option to exercise at the end. Terms on Maserati S.p.A. cars typically run to 48 months. New, pre-owned and classic cars are all eligible, and refinancing an agreement held elsewhere is common. Because the agreement is unregulated commercial finance it is underwritten individually rather than priced off a published rate card.
- £35,000 to £260,000
- Maserati deal range
- 1 of 5
- Models suited to refinance
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged
On current residual behaviour
Moves with the car and your position
Indicative rates from 8.9% nominal
Why Maserati finance against an owned car needs a specialist
Maserati finance at this level is not a retail product and is not priced from a rate card. We are an independent credit broker rather than a lender, so Maserati refinance goes to the lenders on our panel that genuinely write against Maserati S.p.A. cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every Maserati finance figure on this page is computed from a real list price in our catalogue, from the Quattroporte up to the MC20, on the same amortisation the calculator runs. We publish no headline rate because every agreement is underwritten individually, and financing a Maserati S.p.A. car turns on the asset at least as much as on the borrower.
Whether you arrive calling it Maserati car finance, sports car finance, classic car finance and prestige car finance, or simply a monthly payment on a Quattroporte, the four structures and the panel behind them are the same. We arrange bespoke finance across the UK, a classic car goes to the same underwriters as a new one, and the monthly payments quoted here are computed rather than advertised.
What we do on a Maserati that a dealer finance desk does not
- Place Maserati refinance across a panel rather than with one lender, so a decline on a Maserati starts the conversation rather than ending it
- Price new, pre-owned and classic Maserati cars on the same panel, including a Quattroporte bought privately or a MC20 bought at auction
- Get the car appraised independently rather than taking a trade valuation, because the advance follows the appraisal
- Say when one of the other three structures suits your Maserati better, even where it is the one we place less often
How Maserati S.p.A. values set what a lender will advance
The Quattroporte and the Levante are the plainest illustration on this site of what depreciation looks like at the wrong end of the curve. Cars that listed comfortably into six figures have reached the used market at a fraction of that within a few years, and the pattern has been consistent enough across generations that it is a characteristic of the marque rather than of any one model.
The MC20 is a genuine departure. It is a properly competitive mid-engined car with a bespoke engine, it sells in small numbers, and it has held far better than anything Modena has launched in twenty years. The Grecale and the current GranTurismo sit between the two positions.
The point is not that a Maserati is a poor purchase. It is that on this marque, more than on any other here, the question of who carries the residual is the question that decides how the deal turns out. A buyer who hands that risk to a lender on a Levante has made a materially better decision than one who keeps it.
Maserati residuals are the softest in this catalogue, and that is the whole reason a guaranteed-value structure earns its keep on a Modena car.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | MC20 | A guaranteed future value is either declined outright or set below what the car is really worth, so the lender's protection is worth little here |
| Falling | Quattroporte, Levante, Grecale | Forecastable, so a guaranteed figure can be set and priced |
Market commentary rather than a valuation. Residual value is the largest single variable in a vehicle agreement and no broker can guarantee it. Lender posture on Maserati: Readily available across the range, and unusually valuable to the buyer here because the guaranteed figure is doing real work.
Maserati refinance against the other three structures
The four finance options are not interchangeable on a Maserati, and the reason is the one running through this whole page: who carries the residual. Personal Contract Purchase hands it to the lender through a guaranteed minimum future value. Lease Purchase leaves it with you behind a balloon payment you agree. Hire Purchase removes the question by amortising the full cost and ends in outright ownership. Equity Release is not a purchase structure at all, but a refinance against a Maserati you already hold.
- Core structure
Maserati Personal Contract Purchase
Maserati is the marque where a guaranteed future value earns its keep most obviously, because Modena's residual record is the softest in this catalogue and the guaranteed figure is what protects you from it.
- Available but limited
Maserati Hire Purchase
Hire purchase is written on every Maserati and on most of them it is the wrong answer, because it puts the softest residual record in this catalogue entirely on your side of the agreement.
- Available but limited
Maserati Lease Purchase
Lease purchase is the wrong way round on a Maserati, because Modena's residuals are the softest in this catalogue and an agreed balloon puts that fall on your side of the agreement rather than the lender's.
You are here
Maserati Equity Release
Available but limitedEquity release rarely works on a Maserati, because a Quattroporte, Levante or Grecale still carrying finance is usually in negative equity and there is nothing to advance against.
Ratings are our own view of how each structure behaves on Maserati, based on the residual evidence above rather than on which product is easiest to place.
Where equity release stops working on a Trident car
Maserati residuals are the softest in this catalogue and that has a direct consequence for this product. The Quattroporte and the Levante listed comfortably into six figures and reached the used market at a fraction of that within a few years, consistently enough across generations that it is a characteristic of the marque. On a normal car finance term the value falls faster than the balance amortises, which means the settlement figure sits above the valuation and a refinance has nothing to release. We would rather say that at the start.
Owned outright the answer changes but not dramatically. A Grecale or a GranTurismo with no finance on it will support an advance, but the advance is modest and the term is short, because a lender sizing a facility against a falling asset works from where the value will be rather than where it is. The MC20 is the genuine exception: it has held far better than anything Modena has launched in twenty years and it refinances accordingly.
The floor bites here more than anywhere. Everything we arrange is unregulated commercial finance, and a used Levante or Quattroporte may simply not be worth enough to support an advance of that size once the existing balance is cleared. Where the numbers do not reach, there is no version of this that works and we will say so rather than proceed.
Where that applies, Hire Purchase is usually the better answer on a Maserati.
The structure we would point you at instead
Maserati Hire Purchase
If the objective is capital rather than a car, refinancing a depreciating Maserati is an expensive way to raise it, and the better answer is usually to structure the next purchase properly on hire purchase instead of borrowing against a falling one.
Related Reading
Maserati refinance and equity release FAQs
Releasing £50,000 against a Maserati costs around £1,242 a month over 48 months at 8.9% indicative nominal, on a straight capital and interest repayment with no balloon. What you can actually release is set by an independent appraisal of your car and by anything still outstanding against it, so treat this as an illustration rather than an offer.
The cost is the interest across the term plus any lender arrangement fee and the cost of the valuation, and on this marque it deserves close attention because the asset is falling underneath the agreement. Our indicative nominal annual rate on a Maserati is 8.9 per cent and the real figure depends on the car, the term and your position. Ask us to model it before you commit, not after.
Releasing equity is not one of them, because there is none. Refinancing clears the existing balance first, and if the valuation sits below that balance the transaction cannot start. The realistic routes are running the current agreement to its end, settling it early if the basis is favourable, or restructuring how you fund the next vehicle. None of them involves raising money against this one.
Materially, yes. The MC20 is a properly competitive mid-engined car with a bespoke engine, built in small numbers, and it has held far better than anything Modena has launched in two decades. An owned MC20 supports a real advance and one part-way through a term may still show positive equity. It is the one Maserati where this conversation is worth having on its own merits.
Not through us. We arrange unregulated commercial finance only, so a car whose available equity cannot support an advance at that level falls outside what we do. Older Quattroporte examples frequently sit below the line once any outstanding balance is cleared. A mainstream lender is the right route for smaller vehicle borrowing and we will point you there.