Exotic and classic car loan terms, as lenders publish them
This table records what each lender, lease company, auction house and manufacturer finance arm published on its own website on the date shown. It isn’t a ranking, and none of it is an offer. A blank cell means the lender didn’t publish that detail.
Read across a row to see one lender’s whole program, and down a column to compare them. The terms column matters most for long loans: Woodside advertises up to 15 years, J.J. Best stops at 84 months, and Mecum Financial lists up to 48. The last column tells you which sellers a lender will finance, which decides whether it’s even an option for a private sale or an auction car.
The clearest pattern is who publishes. Specialists like Woodside and J.J. Best put their terms, down payments and eligibility rules in writing. The manufacturer captives mostly don’t publish rates; you get those from the dealer. Bank of America is here for contrast: its auto loan excludes cars older than 10 years, cars with 125,000 miles or more, and business use.
LightStream’s loan is unsecured, so the car isn’t collateral. Its classic car page says there’s no appraisal and no age or mileage limit, and its general loan range is $5,000 to $100,000.
Use the table to shortlist, then get the current terms from the lender itself, since its own disclosure controls. Run a published example through the calculator, and read how specialty lenders differ from banks for the background on each type.
Where a lender publishes an APR it’s shown beside its terms. J.J. Best, Mecum, Porsche Financial Services and the lease companies publish terms or down payments without an APR, so ask each for its APR in writing before you compare.
| Lender | Rates published | Loan amounts | Longest term | Down payment | Cars and sellers |
|---|---|---|---|---|---|
| Woodside Credit Collector and exotic car lender | Examples on its site with AutoPay: 9.21% APR (120 mo, $50,000 price, 15% down), 9.09% APR (144 mo), 9.03% APR (180 mo). Up to 0.75% higher without AutoPay. No date shown. | Minimum loan $10,000 on a $20,000+ purchase | Up to 15 years, depending on price | No minimum stated; examples use 15% to 20% | Classics 25+ years and most late-model exotics. Dealer, auction or private party; handles out-of-state titles. |
| J.J. Best Banc & Co. Classic car lender | No APR published | Minimum loan $6,000 | 48 to 84 months | At least 10%; 30% for hot rods, kits and modified cars | Most cars built before 2000 plus some newer specialty models. Private sellers and auctions yes. No LLC titling. |
| LightStream Unsecured loan used for classic cars | No APR range on the classic car page | $5,000 to $100,000 | 24 to 240 months depending on loan type | No appraisal and no age or mileage limits; the loan is unsecured, so the car is not collateral | |
| Putnam Leasing Exotic and classic lease | No rates published | Cars valued above $80,000 | 13, 24, 36, 48 or 60 months; residual can be refinanced for 1 to 5 more years | New and used exotic, classic and collector cars; business leases offered | |
| Premier Financial Services Exotic and vintage lease | No rates published | Cars over $75,000 | Exotic, vintage and luxury cars; early termination option | ||
| RM Sotheby's Financial Services Auction house lender | No figures published | No maximum loan amount stated | Buying at auction or by private sale; interest-only options; equity release | ||
| Mecum Financial Services Auction financing through partner lenders | Advertises a rate with terms up to 48 months, on approved credit; no date or assumptions shown | Up to 48 months | Titled automobiles and non-commercial trucks at Mecum auctions or approved dealers; full replacement-value insurance required | ||
| Porsche Financial Services (US) Manufacturer captive | No APRs published | Retail financing up to 84 months in select cases | New and pre-owned Porsches through dealers; leases offered | ||
| Lamborghini Financial Services (US) Manufacturer captive | No rates published | New or pre-owned Lamborghinis; leases with no security deposit | |||
| Bank of America Bank auto loan, for contrast | Cars valued at $6,000 or more | Not eligible: cars older than 10 calendar years, 125,000+ miles, or business use |
Listing a lender is not an endorsement, and this is not a ranking. No lender paid to appear here, and ExoticCar.Loans takes no payment from any lender listed.
Question about a lender's terms?
Send us the car, the seller and the term, and a person will reply by email.