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Most Maserati buyers finance or lease, and the right structure depends on your credit, your budget and how long you plan to keep the car. Our finance team works with several lenders, including Maserati Capital USA, and puts every option in front of you before you decide.
If you are weighing a lease instead, see our current Maserati lease specials.
Four things decide whether you are approved and the rate you are offered. Knowing them before you apply means fewer surprises at the desk.
Your score matters, but so does what sits behind it: a record of on-time payments, how long your accounts have been open, and how many times you have applied for credit recently.
Lenders compare what you owe each month to what you earn. A strong income carrying heavy existing payments can count against you more than a modest score.
Putting more down lowers the amount you borrow and the lender’s risk, which can improve the terms you are offered. Equity in a trade-in counts toward it.
Programs through Maserati Capital USA are tied to specific models and model years. A longer loan lowers the monthly payment but usually costs more in interest overall.
Most deals follow the same four steps, and the first happens from home. If you want to test numbers before you start, try our payment calculator.
A few minutes from home gives you a realistic sense of what fits before you choose a car or sit down at the dealership. Apply now.
Your finance manager sends the application to the lenders we work with, including Maserati Capital USA, and compares what comes back.
You see each structure side by side, with its full terms, before you commit to anything.
The paperwork is done in one sitting. If you would rather not come back in, ask about delivery.
Every Maserati in stock can be financed, new or certified pre-owned.
Once you know what fits, the shortlist gets short.
You can. We pay off the remaining loan and apply any equity toward your Maserati. If you owe more than the car is worth, the difference can often be included in your new financing, though it raises the amount you borrow. Start with a trade valuation so you know which side of that line you are on before you visit.
There is no single minimum. Lenders look at your credit score alongside your income, your existing debt and how much you put down. Stronger credit gets better terms, and because we work with several lenders, your finance manager can usually find a structure that fits.
Yes. Pre-qualifying online gives you a sense of what you can comfortably finance before you choose a car or complete a full application.
Bring a valid driver’s license, proof of insurance, recent pay stubs, and a utility bill or bank statement showing your address. If you are self-employed, recent tax returns or bank statements stand in for pay stubs. If you are trading in, bring the title or your loan payoff details.
Payments go directly to your lender, not the dealership. If your account is with Maserati Capital USA, you can pay and manage your account through Maserati Capital USA’s customer site. If you financed through another lender, use the contact details on your statement.
Yes. Certified pre-owned Maseratis go through the same application as new ones, and your finance manager will show you the programs available for the specific car.
Yes. We regularly work with out-of-state buyers. The financing can be handled remotely, and delivery can be arranged.
