Maserati MC20 Finance

Maserati MC20 finance deals and what they cost

Supercar finance deals are usually quoted as one monthly figure with the structure hidden behind it, which makes them impossible to compare. The table prices the same Maserati MC20 three ways, on a 20% deposit of £42,200 over 48 months at an indicative 8.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.

Hire Purchase amortises the whole balance, which is why it is the highest payment at £4,193 and the only row with no final payment to plan for. Lease Purchase defers £105,500 to a final balloon, taking £1,838 a month off. Personal Contract Purchase looks similar and differs underneath, because that final payment is a Guaranteed Minimum Future Value the lender stands behind rather than a balloon you have agreed to pay.

The Nettuno V6 is the reason this car reads differently from everything else wearing a Trident. Three litres, twin turbochargers, 621 bhp, and a pre-chamber twin-spark combustion system taken from Formula 1 practice, designed and built in Modena. It is the first engine Maserati has produced in-house in roughly two decades, and a lender reads that as a manufacturer committing capital to a product line rather than badging somebody else's hardware. That distinction has consequences for how long the model is supported and therefore for how it is valued at the end of a term.

Underneath it sits a carbon-fibre monocoque, which is the specification detail that makes the MC20 a genuine mid-engined competitor rather than a marketing exercise. Carbon tubs are expensive to build and expensive to repair, and both facts reach the underwriting. The advance is secured against a structure that does not fatigue the way a bonded aluminium shell does, and the insurance conversation is more serious than it would be on a steel-bodied car of the same price.

Volume is the third factor and it works in your favour twice over. Maserati builds the MC20 in small numbers by the standards of its own range, so the used market is not flooded with near-identical cars, and it builds enough that a lender has a comparable sales record to price against. That combination is precisely the one that lets a funder put a guaranteed figure on the table at the same time as offering the lower Lease Purchase payment.

Which finance structure suits the Maserati MC20

Our answer on the MC20 is Lease Purchase. The MC20 is the one car in the Maserati range whose used market has behaved, so the £105,500 you defer on Lease Purchase is set against evidence rather than caution, and holding that risk yourself brings the payment to £2,355.

Personal Contract Purchase at £2,722 is the better answer if you expect to change the car at the end of the agreement. The lender commits to £84,400 and carries the shortfall if the market moves against it, which converts the single largest variable in the deal into a fixed number. You pay for that in a slightly higher monthly figure, and on a Maserati it is a price most buyers should be glad to pay.

If you came here looking for Maserati MC20 leasing or lease deals, the distinction worth knowing is that we do not arrange contract hire, where the car goes back at the end and was never yours. Lease Purchase is the structure closest to what most people mean by leasing a MC20: the same lower monthly payment, with legal ownership from the first payment. Contract hire on cars of this value is rare, and sites offering it usually quote short-term rental rather than finance.

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. The Maserati MC20 sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.

Financing a used Maserati MC20

A used MC20 is one of the more satisfying submissions we handle, because the population is small enough that individual cars are identifiable and large enough that a lender has something to compare them with. Cars from 2021 and 2022 are now several years into their ownership, the specification differences are legible from the build sheet, and there is no allocation queue distorting what people pay.

What a lender wants to see is a full Maserati main dealer or recognised specialist record, an unbroken warranty history and a clean vehicle report. Beyond that it is looking at the specification, because the list spans £211,000 to £250,000 and a well specified car in a colour people want is far easier to place at the end of an agreement than a thinly optioned one. Mileage in the low tens of thousands does not concern an underwriter on this engine.

Pre-owned cars price the same way with smaller numbers. A used MC20 at £105,500, on the same 20% deposit and 8.9% rate, comes to £2,096 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.

Part exchange and settlement on a Maserati MC20

Three things can happen at the end of a Lease Purchase term on a Maserati MC20, and it is worth knowing which you are planning for. You settle the £105,500 balloon and keep the car, you refinance it over a further term, or you part exchange the MC20 and take whatever sits above the balloon as equity toward the next one.

Running an MC20 across a four-year term costs less than the twelve-cylinder cars elsewhere on this site and more than the badge suggests. Servicing follows a V6 schedule rather than a V8 one, tyres last reasonably on a car of this weight, and the carbon structure means nothing rusts. Insurance is the line most buyers underestimate, because underwriters rate a mid-engined carbon-tubbed 202 mph car on its potential rather than on your intentions for it.

Maserati's warranty and scheduled maintenance position from registration covers a good part of a 48 month agreement on a new car, and on a used one the remaining cover varies example by example. Establishing exactly what is left, and what extending it costs, moves the total cost of ownership across the term more than a fraction of a point on the rate ever will.

Part exchange is the route most owners take, and it is where the residual value does the most work. If the MC20 is worth more than the balloon, the difference becomes the deposit on your next agreement. If it is worth less, the Guaranteed Minimum Future Value protects you on Personal Contract Purchase, while on Lease Purchase the shortfall is yours.

Early settlement is available on every structure we arrange, but the settlement figure is calculated under the terms of the agreement rather than under the Consumer Credit Act rebate rules. Ask us for it in writing before you fix a sale date on the MC20.

Other Trident models we finance

The Maserati MC20 sits at £211,000 in a range we finance end to end. Either side of it are the GranTurismo at £125,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.

The other Maserati cars we arrange finance deals on are the Maserati Grecale, the Maserati Levante, the Maserati GranTurismo and the Maserati Quattroporte, each with its own page and payment table, because a lender does not price a range, it prices a car.