For buying and refinancing Mclaren cars
High quality Mclaren finance solutions for UK & international clients.
We can deliver enhanced, bespoke or exclusive terms through our market knowledge.
Call us on 0203 900 4322 to discuss your requirements.
McLaren Automotive has launched a range of models across three series: Sports, Super, and Ultimate, each offering a distinct blend of power, design, and innovation. They’re cars admired by enthusiasts and collectors worldwide for their speed, agility, elegance, and exclusivity
However, buying a Mclaren is not a cheap affair. The upfront cost of a new or used Mclaren can be quite high, and you also have to consider the depreciation, maintenance, and insurance costs that come with owning such a premium vehicle. That’s why many people opt for financing their Mclaren instead of paying cash.
But how do you finance a Mclaren in the UK? What are the different options available, and how do they compare? How do you find the best deal for your needs and circumstances? And what are the popular types of Mclaren that you can buy on finance?
If you want to buy a Mclaren in the UK, you have several car finance options to choose from. Each option has its own features, advantages, and disadvantages. Depending on your personal and financial circumstances. In this section, we will explain the main differences between the different types of finance available for buying a Mclaren in the UK, such as:
Asset finance is a form of leasing, where you pay a monthly fee to use the Mclaren, but you do not own it. The monthly fee is based on the depreciation of the Mclaren over the lease term, and the residual value at the end of the lease. The residual value is the estimated value of the Mclaren at the end of the lease, which is agreed upon at the start of the contract.
The advantage of asset finance is that you can enjoy driving a new Mclaren without having to pay the full purchase price upfront. You also have lower monthly payments than other finance options, as you are only paying for the depreciation of the Mclaren.
At the end of the lease, you have three options, you can either:
Hire purchase is a form of credit, where you pay a deposit and then monthly instalments to buy the MCLAREN over a fixed period of time. The monthly instalments include both the principal and the interest, and the interest rate is usually fixed. The Mclaren is the security for the loan, which means that if you fail to make the payments, the lender can repossess the Mclaren.
The advantage of hire purchase is that you can own the Mclaren at the end of the contract, and you can choose the deposit and the duration of the contract to suit your budget. You also have the option to settle the loan early, by paying the outstanding balance and a small fee. The disadvantage is that you have to pay interest on the loan, and you do not own the Mclaren until you make the final payment.
The final payment is usually the same as the monthly instalment, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the Mclaren from the lender to you.
Hire purchase with balloon payment is similar to hire purchase, but with a twist. Instead of paying equal monthly instalments, you pay lower monthly instalments and a larger final payment, known as the balloon payment. The balloon payment is usually 25% to 50% of the purchase price of the Mclaren, and it is agreed upon at the start of the contract.
The balloon payment is usually the same as the agreed percentage of the purchase price, plus a £10 option to purchase fee. This fee is a legal requirement, and it transfers the ownership of the MCLAREN from the lender to you.
Balanced payments is a credit option, where you pay a deposit and monthly instalments, including principal and variable interest, to buy the Mclaren over a fixed term. You can own the Mclaren at the end of the contract, and benefit from low interest rates when the base rate is low.
You can also settle the loan early, by paying the balance and a fee. The drawback is that you have to pay variable interest, and may have higher payments when the base rate is high. The final payment is the same as the monthly instalment, and there is no fee.
Contract purchase is a leasing option, where you pay a deposit and monthly instalments, based on the depreciation and the GFV of the Mclaren. You do not own the Mclaren, but you can buy it for the GFV, return it, or part-exchange it at the end of the contract. Contract purchase has lower monthly payments and less upfront cost than other finance options, but no equity and possible extra charges for exceeding mileage limit, or any damage or wear and tear.
At the end of the contract, you have three options: you can either buy the Mclaren for the GFV, return it to the lender and walk away, or part-exchange it for a new one or use any equity as a deposit.
PCP is a flexible leasing option, where you pay an initial payment and lower monthly instalments, based on the depreciation and the GFV of the Mclaren. You can own, return, or part-exchange the Mclaren at the end of the contract, by paying, avoiding, or using the GFV as a deposit. PCP has lower monthly payments and more options than contract purchase, but higher interest and a large final payment.
To help you compare the different options, we have prepared a table that shows the key criteria of each option, such as total cost, deposit, duration, and final payment. You can use this table as a reference, but remember that the actual figures may vary depending on the lender, the model, and your credit score.
Option |
Total Cost |
Deposit |
Duration |
Final Payment |
Asset finance |
Depends on the monthly fee and the residual value of the MCLAREN |
Usually 10% to 20% of the purchase price |
Usually 2 to 5 years |
Depends on whether you want to own, sell, or extend the lease |
Hire purchase |
Purchase price + interest |
Usually 10% to 20% of the purchase price |
Usually 2 to 5 years |
Usually the same as the monthly instalment + £10 option to purchase fee |
Hire purchase with balloon payment |
Purchase price + interest |
Usually 10% to 20% of the purchase price |
Usually 2 to 5 years |
Usually 25% to 50% of the purchase price + £10 option to purchase fee |
Balanced payments |
Purchase price + interest |
Usually 10% to 20% of the purchase price |
Usually 2 to 5 years |
Usually the same as the monthly instalment |
Contract purchase |
Depends on the monthly instalment and the guaranteed future value (GFV) of the Mclaren |
Usually 10% to 20% of the purchase price |
Usually 2 to 4 years |
Depends on whether you want to own, return, or part-exchange the Mclaren |
Personal contract purchase (PCP) |
Depends on the monthly instalment and the guaranteed future value (GFV) of the Mclaren |
As you can see, each option has its pros and cons, and the best one for you will depend on your preferences and goals. For example, if you want to own the Mclaren at the end of the term, you might prefer hire purchase or balanced payments.
If you want to have lower monthly payments, you might prefer hire purchase with balloon payment or PCP. If you want to have more flexibility at the end of the term, you might prefer contract purchase or PCP.
Get in contact with Clifton Private Finance to help make your decision easier – we can guide you to the right finance option, when considering your situation.
Now that you have an idea of the different ways to finance a Mclaren in the UK, you might be wondering what types of Mclaren you can buy on finance. The good news is that you can find almost any model of Mclaren on finance, as long as it is within your budget and meets the lender’s criteria.
However, some models are more popular and available than others, depending on the demand, supply, and market trends. Here’s a brief overview:
Model |
Description |
Price Range |
Monthly Payment |
Artura |
Hybrid supercar, 3.0 L twin-turbo V6 and electric motor, innovative and efficient performance, sleek and futuristic design, luxurious and spacious interior, leather seats, digital cockpit, advanced safety and infotainment features |
£185,000 to £225,000 |
£1,850 to £2,250 |
750S |
Supercar, 4.0 L twin-turbo V8, dynamic and powerful performance, elegant and aerodynamic design, premium and sporty interior, leather seats, digital cockpit, advanced safety and infotainment features |
£230,000 to £330,000 |
£2,300 to £3,300 |
750S Spider |
Supercar, 4.0 L twin-turbo V8, retractable hardtop roof, dynamic and powerful performance, elegant and aerodynamic design, premium and sporty interior, leather seats, digital cockpit, advanced safety and infotainment features |
£250,000 to £350,000 |
£2,500 to £3,500 |
765LT |
Supercar, 4.0 L twin-turbo V8, lightweight and track-focused performance, aggressive and stylish design, minimalist and functional interior, carbon fibre seats, digital cockpit, advanced safety and infotainment features |
£280,000 to £370,000 |
£2,800 to £3,700 |
765LT Spider |
Supercar, 4.0 L twin-turbo V8, retractable hardtop roof, lightweight and track-focused performance, aggressive and stylish design, minimalist and functional interior, carbon fibre seats, digital cockpit, advanced safety and infotainment features |
£300,000 to £390,000 |
£3,000 to £3,900 |
Asset finance is a type of finance that allows you to use the Mclaren as an asset for your business, while paying a fixed monthly fee to the lender. Asset finance can be either a finance lease or an operating lease, depending on whether you want to own the Mclaren at the end of the term or return it to the lender.
At the end of an asset finance plan, you have different options depending on the type of lease you have chosen. Here are the possible scenarios:
The option that you choose will depend on your preferences and circumstances. For example, if you want to own the Mclaren at the end of the term, you might prefer a finance lease. If you want to have a newer and more efficient Mclaren, you might prefer an operating lease.
If you are interested in financing a Mclaren car in the UK, you might want to consider using a finance broker to help you with the process. A finance broker can help you find the best asset finance option for your needs and budget, as well as negotiate the best deal with the lender. A finance broker can also advise you on the different types of asset finance available for buying a Mclaren car, such as cash flow matched repayments, CBILS facilities, and bespoke terms.
At Clifton Private Finance, we have a team of specialist car finance brokers who can help you finance a Mclaren car in the UK. We can work with Mclaren to arrange your car finance plan and finalise your purchase. We can also help you finance new, used, or auction-bought Mclaren cars, and offer the most competitive asset finance service for you.
To find out more about our finance broker service, don't hesitate to contact us today. We offer a free and no-obligation telephone consultation at a time that suits you.
Call us today to discuss your requirements on 0203 900 4322
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