A classic car loan allows borrowers to raise funds secured against vintage, collectable, or high-value vehicles without selling them. Borrowers retain use and ownership while accessing liquidity against an otherwise illiquid asset.
Loans are short- to medium-term, with LTVs determined by:
Classic car loans differ from general asset-backed finance, which can be secured against inventory, equipment, or real estate. Classic car loans are exclusive to rare, high-value automobiles, often collectable, with lower LTV ratios due to lower liquidity. While interest rates may be higher, these loans provide bespoke, discreet solutions.
Classic car loans allow owners to access liquidity without selling, particularly for long-term investors holding historically significant vehicles.
Bridging loans provide quick access to funds for limited-time opportunities at auction or on the open market.
Our network includes hundreds of lenders in the UK and internationally, ensuring clients access the best products at competitive terms.
Expert debt advice ensures clients receive favourable rates, flexible terms, and protective covenants.
Borrowing limits depend on make, rarity, and value. LTVs generally range from 30% to 50%, with strong, diversified collections considered lower risk.
Lenders monitor LTVs and may adjust loan amounts in response to market softening. Borrowers might be required to top up the facility to maintain agreed LTVs.
Yes. Loans are available to private individuals and corporate entities, with lenders evaluating demand and model desirability.