Core structure
Maserati PCP Finance
The marque where a guaranteed exit price earns its keep twice over, and the monthly payment shows it
Indicative monthly payment from
£395a month
Based on Maserati Quattroporte at £35,000, arranged as Personal Contract Purchase at 8.9% nominal.
- Deposit
- £10,500
- Term
- 48
- Final payment
- £12,250
30%
months
35%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
An MC20, a Grecale or a Levante on a monthly payment, with the lender writing down in advance what the car will be worth in four years. Maserati PCP puts a deposit in, 48 payments across and a guaranteed minimum future value at the end that binds the lender rather than you. On this marque that promise is doing real work.
We arrange Maserati PCP 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 a Maserati PCP costs a month
The figures below are computed from each car's real list price using the same amortisation the finance calculator on this page runs, at 8.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific Maserati, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of Maserati PCP is set once a lender has seen both.
The table prices the Maserati GranTurismo, then the Grecale and Levante. Change the car and the monthly payment moves with the list price, the deposit and the term rather than with anything we decide.
| Vehicle | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|
| Maserati GranTurismo | £125,000 | £25,000 (20%) | 48 months | £60,000 (48%) | 8.9% | £1,439 |
| Maserati Grecale | £64,000 | £12,800 (20%) | 48 months | £28,800 (45%) | 8.9% | £770 |
| Maserati Levante | £40,000 | £10,000 (25%) | 48 months | £16,000 (40%) | 8.9% | £466 |
Indicative only and not a quotation. Figures are calculated on a balance-with-balloon amortisation at the nominal annual rate shown, and assume no fees. Final terms depend on the commercial lender's underwriting, your circumstances, and the vehicle's specification and provenance.
Maserati PCP 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
£
Personal Contract Purchase
£
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 we place on Maserati PCP
We arrange Maserati PCP 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 Grecale, the Levante, GranTurismo and Quattroporte suit Maserati PCP. The MC20 does not, for the residual reason set out further down. Prices below are list, and a pre-owned Grecale is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| MC20 | £211,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Grecale | £64,000 | Yes | Forecastable residual, guaranteed figure available |
| Levante | £40,000 | Yes | Forecastable residual, guaranteed figure available |
| GranTurismo | £125,000 | Yes | Forecastable residual, guaranteed figure available |
| Quattroporte | £35,000 | Yes | Forecastable residual, guaranteed figure available |
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 PCP financing against that specific vehicle.
Maserati PCP deposit, term and balloon
Maserati PCP is built from three numbers. A deposit, typically 20% on a Maserati S.p.A. car and payable from cash, a part exchange or equity in something you already own. A term, usually 48 months. And a guaranteed minimum future value deferred to the end, which is what pulls the monthly payment down to the figures above.
You have three ways to deal with the balloon payment: settle it and take the Maserati outright, refinance it over a further term, or sell the car and clear it from the proceeds. Which of those is right is worth deciding before the agreement is written rather than in its final month. Early settlement part way through is allowed, with interest you have not yet run rebated. New, pre-owned and classic cars are all eligible, and Maserati sits inside the wider sports car finance, classic car finance and prestige car finance market we work across.
Our specialists place Maserati PCP as one of four finance products, and a personal contract purchase agreement fixes the amount financed, the 20% deposit and the balloon before it starts. Either way the interest rates are commercial rather than consumer, so the credit assessment sits on the business as much as on the individual and a Maserati decision can turn on trading history rather than on a personal credit file. Fixed monthly payments make the total amount payable straightforward to plan against.
- £35,000 to £260,000
- Maserati deal range
- 4 of 5
- Models suited to PCP
- 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 arrange Maserati finance with a specialist broker
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 PCP 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 PCP 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
- Structure around Maserati S.p.A. residual behaviour rather than against it, which is the whole of the argument on this marque
- 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. residuals set the guaranteed future value
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 PCP 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.
You are here
Maserati Personal Contract Purchase
Core structureMaserati 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.
- Available but limited
Maserati Equity Release
Equity 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 PCP stops working on a Trident car
The Quattroporte and the Levante are the plainest illustration on this site of depreciation at the wrong end of the curve. Cars that listed well into six figures have 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. If you buy one outright, you carry all of that. If you buy one on PCP, the lender has told you at the outset what it will be worth and is bound by it.
That is the product working exactly as intended, and it is why we rate PCP as a core structure here rather than a merely available one. The Grecale and the current GranTurismo sit in a better position than the older cars, and the MC20 better still, but the underlying argument holds across the range: on a marque with soft residuals, transferring residual risk to the lender is worth real money.
The MC20 is the one car where the calculation is less clear cut. It has held far better than anything Modena has launched in twenty years, and if that continues, the guaranteed figure will sit below the car's actual value at the end of the term and you will have given away the upside. Compare it against lease purchase before deciding.
Related Reading
Maserati PCP finance FAQs
Maserati Quattroporte at £35,000 works out at roughly £395 a month on Personal Contract Purchase, with £10,500 down at 30% and a 48 month term at 8.9% indicative nominal, leaving £12,250 deferred to the end. Dearer cars in the range scale up from there. Every figure is computed rather than quoted, so run your own before relying on it.
The older saloons and SUVs did, yes, and consistently enough that it shaped how the market prices the marque. The current cars are better, particularly the MC20 and the GranTurismo. We would rather tell you that plainly and structure around it than quote you a payment that assumes otherwise.
On the softer cars, frequently yes, and that is an unusual thing for us to say. A cash buyer of a Levante carries the full depreciation. A PCP buyer has the lender's guaranteed figure to hand the car back against. The finance cost is the price of that protection, and on this marque it has often been worth paying.
Model both. The MC20 has held its value far better than the rest of the range, so the guaranteed figure may end up below what the car is really worth in four years, and on PCP that surplus is only yours if you settle the balloon. Lease purchase lets you keep the upside more directly if you are confident you will keep the car.
Yes. Everything we arrange is unregulated commercial finance, which is the threshold that puts the agreement outside the consumer credit perimeter. That covers the MC20, the GranTurismo, the Grecale and most Levante and Quattroporte examples, but not the cheapest used cars in the range.