Maserati finance options
Are you in the market for a Maserati? Read our finance guide to help you get your dream car.
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Maserati is an Italian luxury vehicle manufacturer that is currently owned by Fiat Chrysler Automobiles. It was founded in Bologna in 1914 and produces over 40,000 vehicles per year.
Maserati models available in Australia
There are currently five Maserati models available to buy in Australia, including a convertible, sports cars and an SUV:
- Maserati Ghibli
- Maserati Levante
- Maserati Quattroporte
- Maserati GranCabrio
- Maserati GranTurismo
How much does it cost to buy and run a Maserati?
According to Redbook, the purchase prices for these popular 2018 Maserati models are as follows:
- 2018 Maserati Ghibli Auto: $143,990
- 2018 Maserati Levante Auto: $139,990
- 2018 Maserati Quattroporte Auto: $209,990
- 2018 Maserati GranCabrio Sport Auto: $335,000
- 2018 Maserati GranTurismo Sport Auto: $295,000
According to Redbook, the fuel efficiency of the various Maserati models is as follows:
- 2018 Maserati Ghibli Auto - 8.9L/100km
- 2018 Maserati Levante Auto - 7.9L/100km
- 2018 Maserati Quattroporte Auto - 6.2L/100km
- 2018 Maserati GranCabrio Sport Auto - 14.5L/100km
- 2018 Maserati GranTurismo Sport Auto - 14.3L/100km
According to the ATO, a fuel-efficient car is one with a fuel consumption of less than 7L/100km, meaning the Quattroporte is the only current Maserati model to fall under this classification.
Compare car loans you can use to purchase a Maserati
Other costs to consider
- Maintenance and repairs. You will need regular maintenance and servicing to keep your Maserati in good condition and prevent the need for expensive repairs.
- New car extras. Like most luxury car manufacturers, Maserati offer an extensive range of optional add-ons. These can often be quite expensive, so it's important to be aware of the costs before committing to the purchase.
- Insurance. You are legally required to have compulsory third party (CTP) insurance in Australia to cover the other driver in the event of a crash. You may also choose to purchase an optional insurance policy to protect you from theft, fire and other damage. The cost will vary depending on the policy itself as well as your age, gender and driving history.
- Stamp duty. When you buy a new or used car, you need to pay stamp duty to have it transferred into your name. The cost varies by state and territory, but you can use our vehicle stamp duty calculator to get an estimate of what you'll need to pay.
- Cost of finance. If you choose to finance your Maserati using a car loan or other financing method, you will need to consider the associated costs before deciding on a purchase.
What types of Maserati financing options are available?
- Secured car loan. When getting a car loan, you can choose to use the vehicle as security against the loan. You will generally receive a lower rate than on an unsecured loan, but the lender may take ownership of the vehicle if you fail to repay the loan.
- Unsecured car loan. You can use an unsecured loan if you don't want to use your vehicle as security, but you will generally have to pay a higher interest rate than on a secured car loan.
- Dealer finance. This is a form of car finance that is organised with the dealer, who acts as a broker between you and the lender.
- Commercial hire. This is a lease option available to businesses where the lender purchases the vehicle on your behalf. You then make regular payments to lease the car and can often choose to take ownership at the end of the lease term.
- Chattel mortgage. Similar to commercial hire, a chattel mortgage is a finance option for businesses that give you immediate ownership of the vehicle.
- Novated lease. Employees can choose to use their pre-tax income to cover the cost of the lease, which will decrease the amount of income tax they need to pay. You will need an employer that agrees to arrange for payments to be taken directly from your income.
Factors to consider when financing your Maserati
When comparing car finance options, you should always consider the following:
- Interest rate. Your rate determines how much you will make in repayments and is important to keep in mind when researching finance options.
- Loan term. You can generally choose a term of one to seven years on a car loan, but some finance options will offer shorter or longer terms.
- Repayments. Most finance options will require you to make regular repayments over the course of the loan or lease. Straightforward car loans will generally have fixed repayments, but with commercial hire and novated leasing, you may need to make a final balloon payment to take ownership of the vehicle.
- Loan amount. When choosing a loan product, you will need to make sure the minimum and maximum borrowing amounts suit your needs.
- Fees and charges. These will vary based on the type of finance you receive as well as the terms of your loan, but can include establishment and service fees as well as early repayment fees.
- Vehicle ownership. A number of lease options will not give you ownership of the vehicle or will require you to make a lump-sum balloon payment in order to do so.
What you will need to apply for a Maserati loan
You will generally need to meet the following criteria to be eligible for a car loan:
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Be employed and earning a stable income
You will also have to provide further information as part of your application. This may include the following:
- Proof of residence
- Proof of employment
- Financial information, including any debts, assets and other liabilities
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