Core structure
McLaren PCP Finance
The steepest depreciation curve in the catalogue, and on PCP it is the lender's problem rather than yours
Indicative monthly payment from
£2,326a month
Based on McLaren Artura at £185,000, arranged as Personal Contract Purchase at 9.9% nominal.
- Deposit
- £37,000
- Term
- 48
- Final payment
- £83,250
20%
months
45%
Indicative and not a quotation. Computed at render time from the car's real list price on the same amortisation the calculator runs.
A 750S or an Artura on a monthly payment, with the lender fixing what the car will be worth in four years and absorbing the fall if it turns out to be worth less. That protection is worth more on McLaren PCP than anywhere else on this site, because Woking's series cars have given up value faster than anything comparable to them.
We arrange McLaren PCP across 6 current and recent McLaren Automotive models, from the Artura at around £185,000 to the P1 at £1,800,000. 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 McLaren 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 9.9% indicative nominal over 48 months. They are illustrations rather than quotations, because the deposit, the term and the rate all move with the specific McLaren, its provenance and your credit position. Financing at this level is underwritten car by car, so the true cost of McLaren PCP is set once a lender has seen both.
The table prices the McLaren 750S, then the 720S and Artura. 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 |
|---|---|---|---|---|---|---|
| McLaren 750S | £239,000 | £47,800 (20%) | 48 months | £107,550 (45%) | 9.9% | £3,005 |
| McLaren 720S | £218,000 | £43,600 (20%) | 48 months | £98,100 (45%) | 9.9% | £2,741 |
| McLaren Artura | £185,000 | £37,000 (20%) | 48 months | £83,250 (45%) | 9.9% | £2,326 |
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.
McLaren 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 Woking models we place on McLaren PCP
We arrange McLaren PCP across the McLaren Automotive 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 McLaren 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 McLaren 750S, the 720S and Artura suit McLaren PCP. The 765LT, Senna and P1 do not, for the residual reason set out further down. Prices below are list, and a pre-owned 750S is arranged on the same panel as a new one.
| Model | List from | Suits PCP | Why |
|---|---|---|---|
| 750S | £239,000 | Yes | Forecastable residual, guaranteed figure available |
| 720S | £218,000 | Yes | Forecastable residual, guaranteed figure available |
| Artura | £185,000 | Yes | Forecastable residual, guaranteed figure available |
| 765LT | £310,500 | No | Rising or firm market, so any guaranteed figure sits below real value |
| Senna | £900,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
| P1 | £1,800,000 | No | Rising or firm market, so any guaranteed figure sits below real value |
McLaren
P1 Finance
From £1,800,000916 bhp
McLaren
Senna Finance
From £900,000800 bhp
McLaren
765LT Finance
From £310,500765 bhp
McLaren
750S Finance
From £239,000750 bhp
McLaren
720S Finance
From £218,000720 bhp
McLaren
Artura Finance
From £185,000680 bhp
Each card opens the model page, where you can model McLaren PCP financing against that specific vehicle.
McLaren PCP deposit, term and balloon
McLaren PCP is built from three numbers. A deposit, typically 20% on a McLaren Automotive 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 McLaren 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 McLaren sits inside the wider supercar finance, hypercar finance and exotic car finance market we work across.
Our specialists place McLaren 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 McLaren 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.
- £150,000 to £2,500,000
- McLaren deal range
- 3 of 6
- Models suited to PCP
- 20%
- Typical deposit
- 48 months
- Typical term
Arranged from £25,000 upwards
On current residual behaviour
Moves with the car and your position
Indicative rates from 9.9% nominal
Why arrange McLaren finance with a specialist broker
McLaren 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 McLaren PCP goes to the lenders on our panel that genuinely write against McLaren Automotive cars, and what comes back reflects the individual car, its provenance and its specification rather than a headline rate.
Every McLaren finance figure on this page is computed from a real list price in our catalogue, from the Artura up to the P1, on the same amortisation the calculator runs. We publish no headline rate because every agreement above £25,000 is underwritten individually, and financing a McLaren Automotive car turns on the asset at least as much as on the borrower.
Whether you arrive calling it McLaren car finance, supercar finance, hypercar finance and exotic car finance, or simply a monthly payment on an Artura, 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 McLaren that a dealer finance desk does not
- Place McLaren PCP across a panel rather than with one lender, so a decline on a McLaren starts the conversation rather than ending it
- Price new, pre-owned and classic McLaren cars on the same panel, including a Artura bought privately or a P1 bought at auction
- Structure around McLaren Automotive 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 McLaren better, even where it is the one we place less often
How McLaren Automotive residuals set the guaranteed future value
Woking built a genuinely fast car before it built a settled used market, and the 570S and 720S generations paid for that. Three-year values on series McLaren have run behind comparable Italian and German cars by a margin wide enough that lenders notice, and the reasons are structural rather than mechanical: a shorter brand history in road cars, model cycles that arrived quickly enough to compress the outgoing car, and a smaller dealer network absorbing part-exchanges.
The limited cars are a separate market and always have been. The P1 was one of the defining appreciating assets of the last decade, the Senna has held firmly, and the Longtail cars have kept a premium over the standard equivalents. A 765LT does not behave like a 720S even though the two are close relatives.
None of this makes a McLaren a bad car to finance. It makes the choice of structure matter more here than on almost any other marque, because the difference between carrying the residual yourself and handing it to a lender is worth more when the residual is falling.
McLaren has the weakest series residuals of any marque on this site, and the honest version of a McLaren finance conversation starts there.
| Direction | Cars | What it means for a lender |
|---|---|---|
| Holding or rising | P1, Senna, 765LT | 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 | 720S, Artura, 750S | 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 £25,000-plus vehicle agreement and no credit broker can guarantee it. Lender posture on McLaren: Offered on Artura and 750S but set conservatively, which narrows the monthly-payment advantage the product normally gives.
McLaren PCP against the other three structures
The four finance options are not interchangeable on a McLaren, 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 McLaren you already hold.
You are here
McLaren Personal Contract Purchase
Core structurePCP is the right default on a series McLaren, because Woking's residual record is the weakest in this catalogue and a guaranteed future value is precisely the protection that record calls for.
- Works, with a caveat
McLaren Hire Purchase
Hire purchase is written on every McLaren and is genuinely right on the Longtail and limited cars, but on an Artura or a 750S it hands you the whole of the steepest depreciation curve on this site.
- Works, with a caveat
McLaren Lease Purchase
Lease purchase is right on the Longtail and the limited cars and is the highest-risk combination on this site anywhere else, because a customer-held balloon sitting on top of the weakest series residuals in the catalogue is the wrong way round.
- Works, with a caveat
McLaren Equity Release
Equity release is written on a McLaren but only on the right McLaren: the P1, the Senna and the Longtail cars refinance well, and a series 720S or Artura frequently has nothing to release at all.
Ratings are our own view of how each structure behaves on McLaren, based on the residual evidence above rather than on which product is easiest to place.
Where PCP stops working on a Woking car
Lenders set a guaranteed minimum future value on an Artura or a 750S conservatively, because the 570S and 720S generations gave up value faster than comparable cars and underwriters price from history rather than from hope. If that history repeats, the guaranteed figure will sit above what the car is actually worth at the end of the term, and the right to hand it back stops being theoretical. That is the strongest case for this product on any marque we cover.
What you pay for it is a monthly payment closer to a hire purchase payment than the product usually produces, because a conservative guaranteed figure defers less of the cost and more of it lands in the monthly. That is the trade, and on this marque it is worth making. You are buying a floor under a car that has twice fallen through the floor without one, and the price of that floor is visible in the payment rather than hidden in a residual you would otherwise be carrying yourself.
The Longtail and limited cars sit outside it. A 765LT, a Senna or a P1 will not attract a guaranteed future value, because those cars have held or gained value and lenders will not write against a reversal. The gap between series McLaren and limited McLaren is wider on this point than on any other marque in the catalogue.
Related Reading
McLaren PCP finance FAQs
McLaren Artura at £185,000 works out at roughly £2,326 a month on Personal Contract Purchase, with £37,000 down at 20% and a 48 month term at 9.9% indicative nominal, leaving £83,250 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.
Because the guaranteed minimum future value is set lower than the equivalent Italian or German car, so less of the cost is deferred to the end and more of it lands in the monthly payment. That is the lender pricing the marque's residual history rather than a quirk, and what the higher payment buys you is a floor under the car's value that no other structure on this marque provides.
More realistic than on most marques, and that is the honest case for the product here. If a 750S is worth less than the guaranteed figure in four years, you walk away and the lender takes the loss. Buyers who financed 720S cars this way through the last cycle generally came out ahead of those who bought outright.
No. The Longtail cars have held a premium over their standard equivalents and lenders will not guarantee a future value on a car whose market has held firm. A 765LT is arranged on lease purchase or hire purchase, and if you already own one, on equity release.
It is a factor underwriters raise. High-voltage battery condition is harder to evidence at four years old than an engine is, and the used market has not yet decided how it prices it. In practice it contributes to the conservative guaranteed figures on the Artura rather than appearing as a separate deduction.