How to Finance a Maserati

Why People Finance a Maserati

Owning a Maserati is as much about the experience as the engineering. This Italian marque is renowned for its blend of luxury, performance, and heritage. With models such as the Ghibli, Levante, and Quattroporte, the Maserati badge carries undeniable prestige. However, with prices for a new Maserati typically ranging from around £65,000 to well over £120,000, most UK buyers sensibly choose finance over outright purchase.

Financing spreads the cost, making Maserati ownership realistic for more drivers. Whether it’s the allure of the latest technology or the desire to drive a nearly-new approved used model, monthly payments are far more manageable than a lump sum. Maserati drivers frequently opt for PCP (Personal Contract Purchase) or HP (Hire Purchase) to keep their options open at the end of the term or to eventually own the car outright.

Your Maserati Car Finance Options Explained

When it comes to funding a Maserati, several tailored options exist. Here’s how each works and when it might suit you:

1. PCP (Personal Contract Purchase)

• How it works: You pay a deposit (often 10%–20%), followed by fixed monthly payments over 2–4 years. At the end, you can pay a balloon payment to own the car, hand it back, or trade it in.

• Pros: Lower monthly payments than HP; flexibility at the end of term.

• Cons: High final balloon payment (often £20,000+ for newer Maseratis); mileage limits and wear-and-tear charges.

• Example: A PCP deal on a £70,000 Ghibli might require a £7,000 deposit, £800/month over 36 months, with a final optional payment of £32,000.

2. HP (Hire Purchase)

• How it works: Deposit, then equal monthly payments until the full value (plus interest) is paid; you own the car outright at the end.

• Pros: Simpler structure; you own the Maserati at the end.

• Cons: Higher monthly payments than PCP; less flexibility.

• Example: On the same £70,000 Ghibli, a 10% deposit (£7,000) and 48 payments of around £1,480/month (subject to rate), then the car is yours.

3. PCH (Personal Contract Hire) or Leasing

• How it works: Long-term rental—no option to buy. You pay a deposit and fixed monthly rentals over 2–4 years, then hand the car back.

• Pros: No ownership worries; road tax and maintenance often included.

• Cons: No equity; strict mileage; must return car in good condition.

4. Personal Loan

• How it works: Unsecured loan from a bank or lender, used to buy the Maserati outright.

• Pros: You own the car immediately; no mileage limits.

• Cons: May be harder to qualify for large sums; rates can be higher than secured finance.

How to Get the Best Deal on a Maserati

Finding the best Maserati car finance deals in the UK requires research and preparation. Here’s how to maximise your chances:

• Compare PCP and HP offers online: Use broker platforms (like Kandoo) to access multiple lenders, not just the dealership’s in-house finance. This increases your odds of a competitive rate.

• Check your credit score beforehand: Strong credit unlocks the lowest APRs. Even if your credit isn’t perfect, knowing your score helps set realistic expectations.

• Negotiate with the dealer: Dealers may have flexibility on deposit contributions, APR, or extras. Always ask if they can better the deal you’ve found elsewhere.

• Consider deposit size: A larger deposit lowers your monthly payment and total interest. However, don’t overstretch—balance affordability with upfront cost.

• Time your purchase: End-of-quarter targets, pre-registration sales, or the March/September new plate changes often yield improved offers or incentives from dealers.

• Factor in running costs: Maseratis carry insurance, tax, and maintenance premiums. Budget for these alongside your finance payments.

When searching, use phrases like “best Maserati finance deals UK” or “compare Maserati PCP offers” to access the broadest range of competitive deals. Online calculators and eligibility checkers can help you estimate payments before you commit.

Eligibility & Credit Check Tips

Lenders assess several criteria before approving Maserati finance:

• Income and affordability: Expect to show proof of stable employment or income. Lenders will check that your monthly repayments are comfortably affordable.

• Credit file: A strong credit history improves your chances and reduces your interest rate. Missed payments or high credit utilisation can be red flags.

• Deposit: A higher deposit demonstrates commitment and may mitigate marginal credit issues.

• Employment status: Permanent, full-time employment is viewed most favourably, but self-employed applicants can still qualify with evidence of income.

Even if you have bad credit, Kandoo can help match you with lenders who may still approve your application. Some lenders specialise in near-prime or non-standard credit, and a broker can guide you to the most sympathetic providers. Pre-qualification checks with Kandoo do not impact your credit score, offering reassurance before you proceed.

Example Maserati Finance Scenarios

Let’s break down what monthly payments could look like for a popular used Maserati model:

Scenario: Buying a 3-year-old Maserati Ghibli for £35,000

Figures are indicative and subject to APR, deposit, and lender terms.

With PCP, you benefit from lower monthly outlay but face a significant lump sum if you wish to keep the car. Hire Purchase spreads the entire cost, so you own the Maserati at the end. Leasing is best suited to those who want a new car every few years without the responsibilities of ownership.

Common Questions About Maserati Finance

Can I get 0% APR on a Maserati?

0% APR deals on Maserati are rare in the UK. They may occasionally be offered on pre-registered or end-of-line stock, but most Maserati finance comes with interest. Comparing offers helps ensure you secure the lowest available rate.

Is it cheaper to lease or finance a Maserati?

Leasing can be cheaper month-to-month, especially if you change cars frequently and don’t wish to own. However, there’s no equity at the end, and excess mileage or damage charges apply. PCP and HP may cost more per month but could work out better long-term, especially if you intend to keep the car.

Can I get Maserati finance with bad credit?

Yes, though your options may be more limited and APRs higher. Specialist lenders and brokers like Kandoo can help match you with providers who are open to applicants with less-than-perfect credit.

Can I refinance my current Maserati?

Refinancing is possible if you want to lower monthly payments, release equity, or switch provider. Check for any early settlement fees on your current agreement and compare the total cost of credit before proceeding.

How Kandoo Can Help

At Kandoo, we work with a panel of trusted UK lenders to help you find the best Maserati finance deals—quickly, securely, and without affecting your credit score. Our platform enables you to compare Maserati PCP and HP offers, check eligibility, and receive personalised quotes tailored to your circumstances.

Whether you’re seeking your first Maserati or looking to upgrade, our expert team is here to support you every step of the way. Compare Maserati finance deals now →