Classic Car Finance
Finance for classic, vintage, and collector cars - pre-1990 Ferraris, air-cooled Porsches, Aston Martin DB5 and DB6, E-type Jaguars, AC Cobras, and investment-grade rarities. Specialist lenders who assess cars on provenance, originality, and the collector market - not depreciation tables.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
The right structure for every Classic Car requirement
Classic Ferrari Finance
Finance for Testarossa, 308 GTB/GTS, 328, 348, 355, 360, 550, F40, and earlier V12 models. Ferrari Classiche certification is highly valued by specialist lenders. Matching-numbers, original-specification cars attract the strongest advance rates.
Air-Cooled Porsche Finance
Finance for 356, 911 SC, Carrera 3.2, 930 Turbo, 964, 993, and early 996. The air-cooled 911 market has seen consistent appreciation since 2010. Specialist lenders track this market closely and advance accordingly.
Classic Aston Martin Finance
Finance for DB4, DB5, DB6, DBS, V8 Vantage, Virage, and Vanquish. Bond-era Astons have exceptional international collector demand. Aston Martin Heritage Trust documentation significantly improves the lender's confidence in value.
Jaguar Classic Finance
Finance for E-Type (FHC and OTS), XK120, XK140, XK150, D-Type replica, and early XJ. E-Types in particular have global collector demand - specialist lenders understand the premium for original right-hand drive, UK-market cars.
British Classic Finance
Finance for AC Cobra, Austin-Healey 3000, Lotus Elan and Europa, TVR Griffith and Tuscan, Morgan Plus 8, and other British classics. British roadsters have consistent collector markets.
Auction Finance
Pre-arranged finance for Silverstone Auctions, RM Sotheby's, H&H Classics, Bonhams, Coys, and private auction sales. Know your limit before the hammer falls. The lender settles directly with the auction house within their payment window.
How it works
Car details
Make, model, year, chassis/body number, engine number (matching or not), colour (original or repaint), interior specification, provenance documents, last known history, service records, and condition assessment.
Specialist valuation
Classic cars require specialist valuations from BVRA-accredited or specialist classic car appraisers. Lenders rely on these rather than standard guides. Our specialists advise on recognised appraisers for specific makes.
Specialist lenders
Classic car finance lenders who understand the collector market, provenance premium, and appreciating asset dynamics. Decisions within 24-48 hours once valuation is received.
Settlement
The lender settles with the auction house, dealer, or private seller. Pre-auction facilities are arranged before the sale.
Ready to discuss Classic Car Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
More detail
9–12%
Typical APR Range
70–80%
Max LTV
12–60
Month Terms
3 Lenders
Specialist Classic
What Qualifies as a Classic Car for Finance?
Most specialist lenders define a classic as a vehicle typically 25 years or older, though some will consider cars from the 1980s and 1990s where values are demonstrably appreciating. The car must be in good or restoration condition, properly insured, and - in most cases - stored securely. Production rarity, provenance, and originality all influence lender appetite.
Our Classic Car Finance Lender Panel
| Lender | Specialism | Max LTV | Typical APR |
|---|---|---|---|
| Arkle Finance | Classic & vintage, restoration | 80% | 9.5–12% |
| JBR Capital | High-value classics £50k+ | 75% | 9–11% |
| Shawbrook Bank | Prestige & classic, individual assessment | 70% | 10–13% |
Hire Purchase vs Lease Purchase for Classics
Hire Purchase (HP) is the most common product for classic car buyers. You pay a deposit, fixed monthly instalments, and own the car at the end. This suits buyers who intend to keep the vehicle long-term and benefit from any appreciation.
Lease Purchase works similarly but typically includes a larger balloon payment at the end, reducing monthly costs. It suits buyers who want lower payments but are comfortable with the balloon - or plan to refinance it.
Typical Rates and Eligibility
Rates for classic car finance run from approximately 9% to 12% APR depending on the vehicle, LTV, and your financial profile. Lenders will assess the car's value independently, typically through a specialist valuation or auction records. Most require a minimum deposit of 20–30%.
More classic car finance guides
Frequently asked questions
Can I finance a classic car as an investment?
Finance is available for classic cars regardless of investment intent - lenders do not require you to justify the purchase. However, a credible storage plan, insurance arrangement, and maintenance programme all support the application for higher-value collector cars.
What documentation does a classic car lender require?
Provenance documents: V5C history, old MOTs, service invoices, any auction catalogue entries, previous appraisals, and for Ferraris - Ferrari Classiche certification is very valuable. The better documented the history, the stronger the advance rate.
What deposit do I need for a classic Ferrari?
Typically 25-35% for investment-grade classics. The specialist nature of the asset and lower liquidity compared to modern cars drives a higher deposit requirement than for current-production supercars.
Can I finance a classic car at auction without knowing the final price?
Yes - our specialists arrange a pre-approval with an agreed maximum. If you win within that limit, the lender settles immediately. Classic car auction finance is one of our most common requests - most auction houses work with us directly.
Does classic car specialist insurance need to be in place before finance completes?
Yes - specialist classic car insurance (Hagerty, Footman James, Adrian Flux Classic, Brentacre) must be confirmed before drawdown. Agreed value policies are strongly preferred by lenders as they confirm the asset's agreed value.
Can I finance a car over 40 years old?
Yes. Specialist lenders such as Arkle Finance and JBR Capital regularly fund vehicles from the 1950s, 1960s and 1970s. The key criteria are provenance, condition, and clear title.
Do I need a specialist insurance policy?
Yes. Lenders will require agreed-value specialist classic car insurance rather than standard motor cover. Insurers such as Hagerty, Adrian Flux, and Footman James are widely accepted.
What deposit is typically required?
Most lenders require 20–30% deposit for classic car finance. Higher-value or rarer vehicles may require up to 40% depending on liquidity in that sub-market.
How long does the application take?
With specialist lenders our specialists can typically obtain a decision in principle within 24–48 hours. Full completion, including valuation and documentation, usually takes 5–10 working days.
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