# ExoticCar.Loans > Exotic and classic car loan calculator with long terms and balloons, depreciation by model, and how specialty lenders differ from banks. ExoticCar.Loans is an independent website. Contact: the form at https://exoticcar.loans/contact/. MCP server for AI assistants (read-only, no key): https://exoticcar.loans/mcp. Tools: calculate_exotic_car_loan, compare_exotic_car_loan_terms, get_car_depreciation, get_specialty_car_lenders. Setup: https://exoticcar.loans/developers/ ## Pages - [Know the number before the hammer falls](https://exoticcar.loans/): Work out payments on an exotic or classic car from your own numbers, with a balloon option and a value line showing when you'd owe more than it's worth. - [About ExoticCar.Loans](https://exoticcar.loans/about/): ExoticCar.Loans is an independent information site, not a lender. How lender terms and depreciation figures are researched, dated and corrected. - [Contact ExoticCar.Loans](https://exoticcar.loans/contact/): Send ExoticCar.Loans a question or request. We read every message and reply by email. - [Exotic and collector car depreciation by model, sourced](https://exoticcar.loans/depreciation/): Published depreciation and value-trend figures for exotic, luxury and collector cars, with the study, the period and the date for each. - [For AI assistants: the ExoticCar.Loans MCP server](https://exoticcar.loans/developers/): Connect Claude, ChatGPT or another assistant to the exotic car loan calculator: balloon payments, equity by year, depreciation and lender terms. - [Disclosures](https://exoticcar.loans/disclosures/): ExoticCar.Loans is not a lender or broker and takes no payment from lenders. What the calculator estimates mean, and the limits of the data it shows. - [Guides from ExoticCar.Loans](https://exoticcar.loans/guides/): All guides from ExoticCar.Loans, newest first. Financing for exotic, classic and collector cars. - [Exotic and classic car lenders: published terms compared](https://exoticcar.loans/lenders/): What specialty, collector-car and captive lenders publish about terms, balloons, minimums and eligible cars, and how they differ from a bank. - [Privacy policy](https://exoticcar.loans/privacy/): What ExoticCar.Loans collects when you visit or contact us, why, who it is shared with, and how to reach us about it. - [Ask about your exotic or classic car loan](https://exoticcar.loans/quote/): Send us the car, the seller, the price and the loan you have in mind. A person replies by email. Not a loan application; no one checks your credit. - [Terms of use](https://exoticcar.loans/terms/): The terms that apply when you use ExoticCar.Loans, including what the information here is and is not. ## Guides - [Balloon car loans for exotic cars: how the final payment works](https://exoticcar.loans/guides/balloon-car-loans/): How a balloon lowers the monthly payment on an exotic car loan, what it adds in interest, and what goes wrong when the lump sum comes due. - [Financing an exotic car from a private seller](https://exoticcar.loans/guides/buying-an-exotic-from-a-private-seller/): Woodside and J.J. Best both finance private-party sales. What the lender needs: appraisal, clean title, lien payoff, escrow and out-of-state paperwork. - [Classic car financing: age rules, down payments and insurance](https://exoticcar.loans/guides/classic-car-financing/): Woodside calls a car classic at 25 years; J.J. Best at pre-2000. Down payments, terms, agreed-value insurance and antique plate limits in 5 states. - [Exotic car depreciation and your loan: reading the numbers](https://exoticcar.loans/guides/depreciation-and-your-loan/): The Porsche 911 lost 11.1% over five years in one iSeeCars study and 5.3% on its model page. What each figure means and how the calculator uses it. - [Exotic car lease vs. loan: lease-to-own, residuals and captives](https://exoticcar.loans/guides/exotic-car-lease-vs-loan/): Putnam leases run 13 to 60 months with a residual you can refinance for 1 to 5 years. When an exotic car lease beats a loan, and when it doesn't. - [Financing an auction car: pre-approval, payment and title](https://exoticcar.loans/guides/financing-an-auction-car/): Get approved before you bid. What RM Sotheby's, Mecum, Barrett-Jackson and Bring a Trailer offer, plus out-of-state title rules in CA and TX. - [Gas guzzler tax: the full table and who actually pays](https://exoticcar.loans/guides/gas-guzzler-tax/): The federal gas guzzler tax runs from $1,000 to $7,700 on cars under 22.5 mpg. The manufacturer pays it and it shows on the sticker. Full table. - [Exotic and classic car financing vs. a bank auto loan](https://exoticcar.loans/guides/how-specialty-lenders-differ-from-banks/): Bank of America won't finance a car over 10 years old or 125,000 miles. Here is how specialty, lease, captive and auction lenders differ. - [Long-term exotic car loans: 120, 144 and 180 months](https://exoticcar.loans/guides/long-term-exotic-car-loans/): What a 120, 144 or 180-month exotic car loan does to your payment, your interest and your equity, with the arithmetic shown. When a 15-year term makes sense.