Financing
Financing a classic is not a car loan
Collector cars are appraised assets, and the lending world treats them that way — agreed values, longer terms, simple interest. Here is how it works, and a calculator to sketch the numbers.
Four ways it differs
Agreed value, not book value
There is no depreciation table for a 1958 300 SL. Collector-car lenders work from a professional appraisal — often the very dossier we hand you — and lend against that agreed figure.
Longer terms, smaller payments
Because well-chosen classics hold or gain value, terms of five to twelve years are normal. The payment on a six-figure motor car can sit comfortably below a modern luxury lease.
Simple interest, no penalties
The reputable collector-car lenders we work with use simple-interest notes with no prepayment penalty — settle early whenever you like.
The car still gets driven
No mileage caps, no storage covenants beyond sensible insurance. Financing a classic does not mean sealing it in amber.
Sketch the numbers
Payment estimator
Illustrative only — a standard amortised note at the rate you enter. Real collector-car offers vary with the appraisal, the term and your profile. No figures leave this page.
Sensible questions
How much can be financed?
Typically 60–80% of the appraised value, with minimum loan sizes around $50,000 at the specialist lenders. Stronger provenance supports stronger terms — another place the dossier earns its keep.
What do rates look like?
Collector-car rates usually sit a little above prime mortgages and below unsecured credit. The estimator below defaults to an illustrative 8.5% — your figure depends on the car, the term and your profile.
Does a price-on-request car qualify?
Yes. Discretion about the asking price is a courtesy to the seller, not an obstacle to the lender — the appraisal and dossier do the talking.
Can Ferrobello arrange it?
We introduce clients to two specialist lenders we have worked with for years and prepare the appraisal pack. The lending decision and paperwork remain between you and the lender — we hold no financial interest in the loan.
Start a financing conversation
Tell us the car you have in mind — ours or one you are hunting — and we will prepare the appraisal pack and the right introduction.
We will be in touch
Thank you — expect a reply within one working day with next steps and, if useful, an introduction to a specialist lender. (This is a demonstration site; no enquiry has actually been sent.)