Back to McLaren
supercar
McLaren Artura Finance
2022-present
680 bhp
Power
3.0s 0-62mph
Acceleration
205 mph
Top Speed
Finance from
£2,231 a month
Indicative, on Lease Purchase
List price
£185,000
Specified to £250,000
Scroll
Artura finance from £2,231 a month
- £2,231
- Per month
- £37,000
- Deposit
- 680 bhp
- Power
- 9.9%
- Indicative rate
Lease Purchase, 48 months
20% of £185,000
3.0L V6 Twin-Turbo Hybrid
Nominal annual, subject to underwriting
Indicative, not a quotation. Calculated on the £185,000 list price at 9.9% nominal over 48 months.
The McLaren Artura is £2,547 a month on Personal Contract Purchase, worked on a 20% deposit of £37,000 against the £185,000 list price across 48 months at 9.9%. It is the least expensive way into a current McLaren and one of only two cars in the range where a commercial lender will commit to a guaranteed £70,300 at the end of the term. On a first-generation hybrid, having the lender hold that figure is the point.
McLaren Artura 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 Artura three ways, on a 20% deposit of £37,000 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 Artura | Hire Purchase | £185,000 | £37,000 (20%) | 48 months | None | 9.9% | £3,747 |
| McLaren Artura | Lease Purchase | £185,000 | £37,000 (20%) | 48 months | £88,800 (48%) | 9.9% | £2,231 |
| McLaren Artura | Personal Contract Purchase | £185,000 | £37,000 (20%) | 48 months | £70,300 (38%) | 9.9% | £2,547 |
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 £3,747 and the only row with no final payment to plan for. Lease Purchase defers £88,800 to a final balloon, taking £1,515 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 McLaren Artura is the marque's first series-production hybrid and its first clean-sheet car in a decade. A 3.0-litre twin-turbo V6 and an electric motor produce 680 brake horsepower and 720 Nm, through an eight-speed SSG gearbox rather than the seven-speed used elsewhere in the range, for 3.0 seconds to 62 mph and 205 mph. Underneath sits the McLaren Carbon Lightweight Architecture, a tub designed around a battery rather than adapted to accept one.
New architecture is the reason the McLaren Artura is interesting to fund and the reason a lender approaches it carefully. There is no previous generation to price it against, the electrified drivetrain has no long-run service history behind it, and the car is early enough in its life that the used market is still forming. Against that, McLaren builds the Artura in series numbers and sells it at £185,000, which is a mainstream enough position for a commercial lender to write a guaranteed figure rather than decline one.
Where the McLaren Artura departs from the rest of the catalogue is software. It receives over-the-air updates, it runs an electric-only mode for short journeys, and the systems on the car are revised across its life rather than fixed at build. That is a genuine ownership benefit and a small underwriting complication, because a lender assessing the asset at the end of a 48 month agreement wants a car that is current rather than one that stopped being updated two years in.
Calculate your Artura 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 Artura. Car finance on a £185,000 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
£2,231 / month
Click Get Quote for a personalised breakdown including AI market analysis.
Which finance structure suits the McLaren Artura
| Structure | Monthly | Final payment | Ownership | Suits you if |
|---|---|---|---|---|
| Hire Purchase | £3,747 | None | Yours on the final payment | You own it at the end and want no balloon to plan for |
| Lease Purchase | £2,231 | £88,800 | Yours from day one | You want the lower payment and will settle or refinance the balloon |
| Personal Contract Purchase | £2,547 | £70,300 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 Artura is Personal Contract Purchase. On a first-generation electrified drivetrain with no long-run used market behind it, the value of a lender committing to a future figure is at its highest, and the Artura is one of only two McLarens where that commitment is available.
Lease Purchase brings the payment down to £2,231 and is the right structure for a buyer who has already decided to keep the Artura or who wants to control its sale personally. The deferred balloon of £88,800 is larger than any guaranteed figure, so the month is cheaper and the end-of-term value question comes back to you.
If you came here looking for McLaren Artura 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 Artura: 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 Artura sits inside that position as a series-production car with enough of a sales record behind it for a lender to forecast.
What a lender sees in the McLaren Artura
A commercial lender underwrites the McLaren Artura as an asset before it underwrites you as a borrower. The engine is where that starts: a 3.0L V6 Twin-Turbo Hybrid engine producing 680 bhp, with 3.0s 0-62mph and 205 mph, puts this car in a category a specialist lender recognises. A Artura at £185,000 and specified to £250,000 is also not one asset with one value, and options rarely come back at what they cost.
| Artura | |
|---|---|
| Engine | 3.0L V6 Twin-Turbo Hybrid |
| Power | 680 bhp |
| Torque | 720 Nm |
| 0-62mph | 3.0s 0-62mph |
| Top speed | 205 mph |
| Transmission | 8-speed SSG |
| Drivetrain | RWD |
| List price | £185,000 |
| Specified to | £250,000 |
| Production | 2022-present |
The high voltage battery is the single specification item that shapes an Artura agreement. It has its own warranty period, its own inspection requirements and its own end-of-term condition question, and a commercial lender writing a 48 month term wants to know the car will still be inside recognised cover when the agreement finishes. Cars that carry extended battery and vehicle warranty place more easily and on better terms than cars that do not.
Software history matters here in a way it does not elsewhere in this catalogue. The Artura's early production was accompanied by a programme of revisions delivered through updates and retailer visits, and the only thing a lender needs to establish is that the car is on current software with the work recorded against the vehicle identification number. That is a short check at a franchised retailer and it removes the most common objection raised on early cars.
Six hundred and eighty brake horsepower through the rear wheels in a car of this weight is squarely inside the specialist commercial bracket, and the electrified drivetrain does not change that. What it does change is who can service it, which narrows the network further than the marque already is and makes the location of your nearest qualified retailer a practical consideration in a four-year agreement.
Artura features that bear on the valuation
- All-new V6 hybrid
- Electric-only driving
- New carbon architecture
- Over-the-air updates
- Electrohydraulic steering
What a lender wants to see on a Artura
- McLaren franchised service history with the high voltage system inspections recorded
- Written confirmation of the remaining battery warranty and the vehicle warranty expiry
- Evidence the car is on current software, with update work logged against the vehicle
- The original build specification, including the Technology and Performance packs
- A clear finance and damage record with nothing registered against the vehicle
Financing a used McLaren Artura
The used McLaren Artura market is young but it exists, and cars from the first two production years are now reaching it with warranty still attached. Buying one of those rather than ordering new is the most direct way to reduce the monthly payment on this model, because the first owner has absorbed the part of the curve that a lender prices most conservatively and you inherit the car afterwards.
On a used McLaren Artura the checks are narrower and more technical than on a conventional supercar. A lender wants the battery health position, the update history, a franchised service record and confirmation of what remains of the high voltage warranty. Options such as the Technology and Performance packs also move the valuation, so the original build sheet needs to come with the car rather than be reconstructed later.
Pre-owned cars price the same way with smaller numbers. A used Artura at £89,000, on the same 20% deposit and 9.9% rate, comes to £1,802 a month on Hire Purchase. Age matters less to a lender than provenance, whatever the mileage reads.
How the McLaren Artura holds its value
Series McLaren residuals have been the softest of any marque on this site for a decade, and a first-generation hybrid entering a market with no reference point for itself is not the car that reverses the pattern. Read positively, that is the case for PCP rather than an argument against the McLaren Artura. Where the value question is hardest to answer, handing it to someone contractually obliged to answer it is worth the difference in the monthly payment.
The comparison worth making is with the Longtail and Ultimate cars rather than with the rest of the current range. Those have held a premium since delivery because they were built in small numbers to begin with, and nothing in the Artura's production volume suggests it will behave that way. It is a car to buy for the drivetrain and the driving position, not for what it might be worth at the end of the term.
The Artura asks a value question nobody can answer from history yet. That is exactly the circumstance in which paying a lender to answer it for you is the sensible trade.
Everything here about the Artura 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 Artura
Three things can happen at the end of a Lease Purchase term on a McLaren Artura, and it is worth knowing which you are planning for. You settle the £88,800 balloon and keep the car, you refinance it over a further term, or you part exchange the Artura and take whatever sits above the balloon as equity toward the next one.
Day to day the Artura is the cheapest McLaren to run, and that is not a small point across 48 months. Electric-only running covers short journeys, the V6 uses less fuel than any V8 in the range, and the service intervals are longer than the cars that came before it. Insurance and tyres remain supercar costs, but the routine end of ownership is genuinely lighter here than elsewhere in the catalogue.
The offsetting item is the electrified hardware over a long horizon. Battery cover, the eight-speed SSG and the electric drive unit all sit outside the experience most owners bring from a conventional supercar, and the honest position is that a four-year term inside warranty is a very different financial proposition from a six-year term that runs past it. Fix the term around the cover, not the other way round.
Part exchange is the route most owners take, and it is where the residual value does the most work. If the Artura 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 Artura.
How we arrange McLaren Artura finance
Tell us about the car
Specification, mileage, history and where you are buying the Artura. On a £185,000 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 £37,000 over 48 months is our starting point on the Artura.
Underwriting and payout
The lender verifies the car and your position, issues the credit agreement and pays the vendor. Most Artura agreements complete inside a week, anywhere in the United Kingdom.
Other models from Woking we finance
The McLaren Artura sits at £185,000 in a range we finance end to end. Either side of it are the 720S at £218,000, 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 720S, 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 Artura finance FAQs
Worked from the £185,000 list price with £37,000 down and a 48 month term at an indicative 9.9% nominal, the Artura is £2,547 a month on PCP, £2,231 on Lease Purchase against a £88,800 balloon, and £3,747 on Hire Purchase. Those figures move with the purchase price rather than the list price, so a used car at eighteen months old produces a materially lower payment. The calculator above recalculates all three from whatever price you enter.
Yes. Alongside the 750S it is one of only two cars in the current range where a specialist commercial lender will set a guaranteed future value and stand behind it. The figure is set conservatively, which means the monthly payment sits above the Lease Purchase equivalent rather than below it. On a car with a first-generation hybrid drivetrain and a used market only now taking shape, that premium is buying something real.
Not strongly, and we would rather say so at the quotation stage than at the end of the term. McLaren series cars have given up value faster than their Italian and German equivalents for a decade, and a first hybrid without a settled used market behind it is not the exception. The finance answer is not to avoid the car but to choose a structure that puts the residual on the lender's side of the agreement, which on the Artura you can actually do.
Our working figure is 20%, or £37,000 against list, and most Artura agreements are placed at or near it. Increasing the contribution reduces the payment and improves the terms available, particularly on early-build cars where a lender is weighing software and warranty history. Because the Artura sits at the accessible end of the range, buyers frequently have the option of a larger contribution here than they would on a Super Series car, and it is worth using.
Yes, and cars from the first two production years are now available with warranty remaining. What a lender needs is narrower than on a petrol supercar and more specific: the high voltage warranty position, a franchised service record including battery inspections, evidence of current software, and the original build sheet so the option packs can be valued. With those in place a used Artura places straightforwardly, and the payment is well below the equivalent new car.
It should shape it. The high voltage system carries its own warranty period, and the useful rule is to end the agreement while the car is still inside recognised cover rather than beyond it. A 48 month term normally does that comfortably. Pushing to sixty or seventy-two months to reduce the monthly figure can leave you owning an out-of-warranty electrified drivetrain at the point where the balloon or the final payments fall due, which is a poor trade.
McLaren finance by structure
This page covers the Artura. 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 Artura?
Tell us about the car and we will come back with terms from the commercial lenders that write McLaren paper. From £2,231 a month on Lease Purchase.