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McLaren 720S Finance
2017-2023
720 bhp
Power
2.8s 0-62mph
Acceleration
212 mph
Top Speed
Finance from
£3,001 a month
Indicative, on Lease Purchase
List price
£218,000
Specified to £290,000
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720S finance from £3,001 a month
- £3,001
- Per month
- £43,600
- Deposit
- 720 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £218,000
4.0L V8 Twin-Turbo
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £218,000 list price at 9.9% nominal over 48 months.
A McLaren 720S is £3,001 a month on Lease Purchase, calculated on a £43,600 deposit against the £218,000 list price over 48 months at 9.9%. Production ended in 2023, so almost every 720S we fund is a used car bought below that figure and the payment falls with the purchase price. Lease Purchase is where the majority of these agreements land, and it is the cheapest honest route into a 212 mph Super Series car.
McLaren 720S 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 McLaren 720S three ways, on a 20% deposit of £43,600 over 48 months at an indicative 9.9% nominal. Only the structure changes, so the gap between rows is the cost of the structure rather than the car.
| Vehicle | Structure | Price | Deposit | Term | Balloon | Rate | Monthly |
|---|---|---|---|---|---|---|---|
| McLaren 720S | Hire Purchase | £218,000 | £43,600 (20%) | 48 months | None | 9.9% | £4,415 |
| McLaren 720S | Lease Purchase | £218,000 | £43,600 (20%) | 48 months | £82,840 (38%) | 9.9% | £3,001 |
| McLaren 720S | Personal Contract Purchase | £218,000 | £43,600 (20%) | 48 months | £61,040 (28%) | 9.9% | £3,373 |
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.
Hire Purchase amortises the whole balance, which is why it is the highest payment at £4,415 and the only row with no final payment to plan for. Lease Purchase defers £82,840 to a final balloon, taking £1,414 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.
Built from 2017 to 2023, the McLaren 720S was the car that made Woking a genuine Super Series proposition rather than a promising one. Seven hundred and twenty brake horsepower, 770 Nm, 2.8 seconds to 62 mph and a 212 mph top speed that the newer car does not match. Dihedral doors, the continuous glass A-pillars, the folding driver display and variable drift control all arrived here. It replaced the 650S and introduced the second-generation carbon tub that the rest of the range still uses.
For a commercial lender a finished model is a comfortable one. There is no order book distorting supply, no allocation politics, and seven model years of transactions to look at. The thing that ordinarily erodes a supercar's value, a faster version of the same idea arriving in the showroom, has already happened to the 720S. That makes the end-of-term figure a measurement of an established market rather than a forecast of an unformed one, and it shows up directly in the monthly payment.
The 720S is not one car. Performance and Luxury trims separated the standard cars, the Spider arrived in 2019 with a retractable hard top and a weight penalty, and the run-out 720S Le Mans marked the anniversary of the F1 GTR victory. A lender prices these separately, and a buyer who quotes Spider money at a coupe seller, or the other way around, is arguing about a difference the used market has already settled.
Calculate your 720S finance
The finance calculator below runs the same arithmetic as the tables above. Change the deposit, the term or the amount deferred and the monthly payment moves with it, so you can model the agreement you actually want on a 720S. Car finance on a £218,000 asset is priced on the car as much as on you.
Vehicle Config
mi
£
Lease Purchase
£
Ready to Calculate
Indicative Lease Purchase payment for this vehicle, based on a 20% deposit over 48 months:
From
£3,001 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the McLaren 720S
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £4,415 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £3,001 | £82,840 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £3,373 | £61,040 guaranteed | Optional, on paying the GMFV | You want the lender rather than you to carry the residual risk |
Computed at 9.9% over 48 months on a 20% deposit.
Our answer on the 720S is Lease Purchase. The balloon is being set against a market that has stopped moving quickly, so deferring part of the price carries less exposure on a McLaren 720S than it would on a model still finding its level.
Hire Purchase is the better structure if you intend to keep the car, and a good proportion of 720S buyers do. This was the high point of the twin-turbo V8 Super Series before the range moved to hybrid power, it is finished, and there is a real argument for owning one outright at the end of a term rather than handing it on. It costs £4,415 a month and leaves you with nothing to settle.
If you came here looking for McLaren 720S 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 720S: 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.
McLaren has the weakest series residuals of any marque on this site, and the honest version of a McLaren finance conversation starts there. The McLaren 720S sits inside that position as a superseded series car working its way down toward its floor, which is where the value in the deal usually is.
What a lender sees in the McLaren 720S
A commercial lender underwrites the McLaren 720S as an asset before it underwrites you as a borrower. The engine is where that starts: a 4.0L V8 Twin-Turbo engine producing 720 bhp, with 2.8s 0-62mph and 212 mph, puts this car in a category a specialist lender recognises. A 720S at £218,000 and specified to £290,000 is also not one asset with one value, and options rarely come back at what they cost.
| 720S | |
|---|---|
| Engine | 4.0L V8 Twin-Turbo |
| Power | 720 bhp |
| Torque | 770 Nm |
| 0-62mph | 2.8s 0-62mph |
| Top speed | 212 mph |
| Transmission | 7-speed SSG |
| Drivetrain | RWD |
| List price | £218,000 |
| Specified to | £290,000 |
| Production | 2017-2023 |
Age is now the live question rather than the specification. The earliest McLaren 720S cars date from 2017, so a car placed today can be twelve years old when a 48 month agreement finishes. Commercial lenders will write that term, but they underwrite the end of it against condition, mileage and the service file rather than against the model name, which is why documentation carries more weight here than on a current car.
The 4.0-litre twin-turbo V8 predates McLaren's hybrid programme entirely. There is no high voltage system, no traction battery and no battery service position to resolve at the end of a long agreement, which removes a whole category of underwriting question and is one reason longer terms are easier to place on a 720S than on the cars that replaced it.
Electrical and hydraulic complexity is where a used 720S needs evidence. Proactive Chassis Control runs on a hydraulic suspension system with no anti-roll bars, and the dihedral door mechanisms and the active rear wing all have their own history. A lender does not diagnose any of this, but it does read a service file that shows the work has been done by someone qualified to do it.
720S features that bear on the valuation
- Dihedral doors
- Carbon fibre MonoCell II
- Active dynamics panel
- Folding driver display
- Variable drift control
What a lender wants to see on a 720S
- Unbroken McLaren franchised or recognised specialist service history from first registration
- Clear identification of coupe or Spider, and of Performance or Luxury trim, on the invoice
- Evidence that suspension, door mechanism and active aero work has been carried out properly
- A clean vehicle record with no outstanding finance and no recorded structural damage
- The current warranty position, including any factory-backed cover and its expiry date
Financing a used McLaren 720S
Every McLaren 720S we place is a used car, and the market has enough depth in it that a buyer can be selective rather than grateful. Coupe or Spider, Performance or Luxury, mileage from delivery to genuinely used: the range of cars available at any moment is wider than on any other McLaren. That choice is worth more than a negotiation on rate, because the price you buy at sets every figure in the agreement that follows.
Provenance beats the odometer on a car of this age. A 720S with twenty thousand miles, an unbroken franchised record and one careful owner is a better asset than a nine thousand mile car with a two-year gap and an unexplained repair. Lenders want a clean vehicle record, no outstanding finance, and evidence that the car has been maintained rather than merely stored, and we ask for that file before we approach anyone.
Pre-owned cars price the same way with smaller numbers. A used 720S at £83,000, on the same 20% deposit and 9.9% rate, comes to £1,681 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the McLaren 720S holds its value
Early McLaren 720S examples reached the used market at a steep discount to their list price through 2020 and 2021. That was an unhappy experience for first owners and it is the reason a second owner can buy the car sensibly now. Since production ended in 2023 the curve has flattened, which is the pattern superseded series cars from every marque have followed once supply stops being topped up from the factory.
What has not happened is a reversal. The 720S has found a floor rather than turned upward, and the McLarens that turned upward are the Longtail and Ultimate Series cars, which were built in limited numbers to begin with. Anyone budgeting a 720S agreement on the assumption that it will be worth more in four years is budgeting against the wrong car in the range.
The 720S has already taken the fall that a new supercar has ahead of it. Buying after the curve has flattened is worth more to a McLaren agreement than any rate you will negotiate on it.
Everything here about the 720S market is commentary on transactions that already happened, not a valuation and not a forecast. The residual value in your agreement is the lender's figure, set on the specific McLaren you are buying.
Part exchange and settlement on a McLaren 720S
Three things can happen at the end of a Lease Purchase term on a McLaren 720S, and it is worth knowing which you are planning for. You settle the £82,840 balloon and keep the car, you refinance it over a further term, or you part exchange the 720S and take whatever sits above the balloon as equity toward the next one.
A twin-turbo V8 supercar with hydraulic suspension is not a cheap car to run and never pretended to be. Annual servicing, the suspension accumulators, brake and tyre wear proportional to how the car is used, and insurance that reflects 212 mph. On a car that is now several years old, a warranty position also has to be resolved, because McLaren's factory-backed used-car cover and its extensions change the arithmetic of a four-year term considerably.
The practical advice is to buy the best-documented McLaren 720S you can rather than the cheapest one and put the difference into the deposit. A car that has been maintained properly costs less to run across the agreement than the saving on a neglected one, and it also ends the term worth more, which is the figure the balloon is measured against.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the 720S 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 720S.
How we arrange McLaren 720S finance
Tell us about the car
Specification, mileage, history and where you are buying the 720S. On a £218,000 asset the car drives the underwriting as much as you do.
We approach the right lenders
Not every commercial lender writes McLaren paper, and those that do price it differently. As an independent credit broker we place the deal across a panel.
We structure the agreement
Deposit, term and the deferred amount. A 20% deposit of £43,600 over 48 months is our starting point on the 720S.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most 720S agreements complete inside a week, anywhere in the United Kingdom.
Other models from Woking we finance
The McLaren 720S sits at £218,000 in a range we finance end to end. Either side of it are the Artura at £185,000 and the 750S at £239,000, and the monthly payment moves broadly in step with list price when deposit and term are held constant.
The other McLaren cars we arrange finance deals on are the McLaren 750S, the McLaren Artura, the McLaren 765LT, the McLaren Senna and the McLaren P1, each with its own page and payment table, because a lender does not price a range, it prices a car.
McLaren 720S finance FAQs
Using the £218,000 list price, a £43,600 deposit and a 48 month term at an indicative 9.9% nominal, the 720S is £3,001 a month on Lease Purchase with a £82,840 balloon at the end, or £4,415 on Hire Purchase with nothing left to pay. Because the model is out of production, the cars we actually fund are bought below list and the payment scales down accordingly. Put the asking price of your car into the calculator above.
Lease Purchase, yes, and it is the structure we arrange most often on this model. Conventional contract hire, where you never take title and simply return the car, is not something specialist commercial lenders offer on an out-of-production supercar. Lease Purchase gives you the low monthly figure of a leased arrangement while you hold ownership from the first payment, with a balloon at the end that you settle, refinance or clear by selling the car.
It has stopped falling rather than started rising, and those are different things. Values dropped hard through 2020 and 2021 and have levelled since the line closed in 2023, which is the normal behaviour of a superseded series car. The McLarens that have appreciated are the limited-build cars, not this one. What the 720S offers a buyer today is a great deal of car for the money, and we would structure an agreement around that rather than around a hoped-for recovery.
Specialist commercial lenders look at the age of the car at the end of the agreement rather than at the start, so a 2017 720S on a 48 month term is being assessed as a twelve-year-old asset. That is fundable, but the file has to support it: continuous service history, sensible mileage, no structural damage and a clean finance record. Cars that satisfy those conditions place without much difficulty. Cars with gaps in the record are where terms shorten and deposits rise.
20% is the working assumption, which is £43,600 measured against the £218,000 list price and proportionally less against a used purchase price. On an older car a larger contribution does two things: it lowers the payment, and it reassures a lender that is underwriting a car with several years already behind it. Where the service record is thin, expect the deposit to be the lever the lender pulls before it adjusts anything else in the quote.
Usually, yes, and for two separate reasons. The Spider cost more new, so the amount being financed is higher, and it also holds a slightly different position in the used market because retractable hard top cars sell to a wider audience at resale. A lender prices the two bodystyles independently rather than treating them as one model, so make sure the quote you are comparing is written against the bodystyle you are actually buying.
McLaren finance by structure
This page covers the 720S. For how each structure behaves across the Woking range, including the models we place on it and the ones we do not, the four pages below go a level up.
Ready to finance a McLaren 720S?
Tell us about the car and we will come back with terms from the commercial lenders that write McLaren paper. From £3,001 a month on Lease Purchase.