How to finance a Maserati

Maserati is known for its luxury automobiles that look sleek and drive fast — but can drain your bank account even faster. Buying a new car can easily run you more than $100,000 after adding features. Don’t know how to pay for your hot ride? Fear not: You have financing options.

How can I finance a Maserati?

You can apply for a loan at a bank, credit union or online lender for lower rates. But the fastest and easiest way to get financing is through a local Maserati dealership.

Dealership deals often vary by model, dealer and location and whether you’re financing or leasing:

• Maserati financing. Getting your new Maserati financed at the dealership is one of the fastest and easiest choices, but it can come with higher interest rates than a bank. While Maserati doesn’t advertise set rates, larger states tend to offer APRs of 2% to 5% for qualified borrowers.
• Maserati leasing. If you don’t plan to stick with the same model for too long, consider leasing it. Current offers include leasing the 2019 Ghibli model at $795 a month for three years, with $5,999 due at signing.

_{Rates are correct as of May 1, 2019.}

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Name	Product	Filter Values	Minimum credit score	APR	Loan term	Requirements
PenFed Auto Loans			Varies	Starting at 1.04%	Up to 10 years	Active membership with PenFed	Low APR car loans from a well-known credit union.	Go to site More Info	Compare	loading Fetching your data...
Carvana			No minimum credit score	3.9% to 27.9%	Varies	18+ years old, annual income of $4,000+, no active bankruptcies	Get pre-qualified for used car financing and receive competitive, personalized rates.	Go to site More Info	Compare	loading Fetching your data...
car.Loan.com Car Loans			300	Varies by network lender	Varies by lender	Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.	Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.	Go to site More Info	Compare	loading Fetching your data...
CarsDirect auto loans			No minimum credit score	Varies by network lender	Varies by network lender	Must provide proof of income, proof of residence, and proof of insurance.	Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.	Go to site More Info	Compare	loading Fetching your data...
Auto Credit Express Car Loans			300	Varies	Varies	Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.	Get connected with an auto lender near you, even if you have bad credit.	Go to site More Info	Compare	loading Fetching your data...
Monevo Auto Loans			500	3.99% to 35.99%	3 months to 12 years	Credit score of 500+, legal US resident and ages 18+.	Quickly compare multiple online lenders with competitive rates depending on your credit.	Go to site More Info	Compare	loading Fetching your data...
LendingTree			Good to excellent credit	Starting at 3.09%	Varies by lender	18+ years old, good to excellent credit, US citizen	Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.	Go to site More Info	Compare	loading Fetching your data...
myAutoloan.com Car Loans			550	1.79% to 27%		550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old	Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.	Go to site More Info	Compare	loading Fetching your data...

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Does Maserati offer special discounts or programs?

Yes. Maserati offers periodic discounts for select bank accounts. For example, until June 30, 2019, its offering a discount of 7% off the MSRP of all Maserati models to those who hold an account at Chase Bank.

What will a new Maserati cost me?

A new Maserati can cost between $75,000 and $165,000, depending on your location and other factors.

Choose a model

More about Ghibli

More about Levante

More about Quattroporte

More about GranTurismo

Car insurance costs that come with driving a Maserati

Does a new Maserati come with a warranty?

Yes. Maserati provides its customers a limited warranty for each new car that lasts for four years or 50,000 miles, whichever comes first. And it includes 24/7 roadside assistance.

Bottom line

While buying a new Maserati can ensure a sleek and fast driving experience, it can cost a pretty penny. Your options come down to whether cost, speed or convenience is your top priority. While it might be faster to finance or lease through a Maserati dealership, you might find a stronger rate through a bank or online lender — which can save you a ton of money in the long run.

Can’t wait to get the new keys? Read our guide to car loans to learn how they work and compare different options.

Frequently asked questions

• Should I get a new or used Maserati?

  It depends on your budget and needs. A new car generally offers more financing options with competitive interest rates, while a used car often has fewer options with higher interest rates and stricter terms.

  A preowned car may save you money. Maserati doesn’t have an official warranty for their used cars, but their warranty for new cars is transferable — meaning that it can be transferred to a used car owner if the vehicle is within the time or mile limit.

• How much does it cost to maintain a Maserati?

  It depends on the car model, whether it’s new or used and its mileage, among other factors. Check with your local dealership to see if maintenance services are included with the total cost of the vehicle.

• Does Maserati offer discounts to students?

  No. Unlike other car brands, Maserati doesn’t offer special discounts or programs for students or college graduates.

Picture: Getty Images