Classic Car Finance
Classic cars aren't just vehicles - they're rolling pieces of art and history. Whether you're chasing an Australian muscle car, European sports icon, or JDM legend, we connect you with specialist lenders who understand collector vehicles and treat them as the appreciating assets they are.
Specialist lenders for vintage and collector vehicles
Finance Your Classic Car
Financing a classic car is different from financing a regular vehicle. Standard lenders use Red Book values that don't apply to collector cars. They have age limits that exclude vintage vehicles. And they don't understand that a 1970 Holden Torana can be worth more than a brand new luxury car.
At Your Lending Friend, we work with specialist lenders who understand the classic car market. They value vehicles appropriately, offer flexible terms suited to appreciating assets, and won't be confused when you tell them you want to finance a 50-year-old car.
Classic Car Finance Benefits
Why finance your classic through us
Specialist Lenders
We work with lenders who understand classic cars. They value collectibles appropriately and offer terms that suit appreciating assets.
Appreciating Assets
Unlike regular cars, classics often increase in value. Lenders who understand this offer different terms than standard vehicle finance.
Expert Valuations
Classic car values require specialist knowledge. We help connect you with appropriate valuation services for your finance application.
Flexible Terms
Longer loan terms available for classics. Lower repayments while you enjoy your investment and watch it appreciate.
Classic Car Categories We Finance
From Australian muscle to European exotics
Australian Muscle
Ford GT, Holden Torana, Valiant Charger
$80,000 - $500,000+
Iconic Australian performance cars from the 60s-70s. Values have skyrocketed in recent years.
European Classics
Porsche 911, Mercedes SL, Jaguar E-Type
$100,000 - $1,000,000+
Timeless European sports cars and luxury vehicles. Often appreciating investments.
American Muscle
Ford Mustang, Chevrolet Camaro, Dodge Charger
$60,000 - $300,000+
Classic American muscle cars from the golden era. Strong collector following.
Japanese Classics
Toyota Supra, Nissan Skyline, Mazda RX-7
$50,000 - $250,000+
Rising stars of the classic car world. JDM legends with passionate following.
British Classics
MG, Triumph, Austin-Healey
$30,000 - $150,000+
Charming British roadsters and sports cars. Growing collector interest.
Vintage & Pre-War
Pre-1945 vehicles
Varies widely
Truly vintage vehicles. Specialist valuation and finance essential.
What You Need to Know
Important considerations for classic car finance
Valuation Requirements
Classic cars need proper valuation. Standard Red Book values dont apply. Lenders typically require a professional valuation from a recognised classic car specialist.
Age Considerations
Standard car loans often limit vehicle age to 10-15 years. Classic car specialists understand that a 50-year-old vehicle can be worth more than a new car.
Storage & Insurance
Lenders want to know your classic will be properly cared for. Good storage facilities and agreed-value insurance are typically required.
Documentation
Provenance matters for classics. Service history, ownership records, and restoration documentation can affect value and lender assessment.
How Classic Car Finance Works
Four steps to financing your classic
Tell Us About Your Classic
Complete our application with details about the vehicle you're buying - make, model, year, condition, and any documentation available.
Valuation Arranged
For classics, we may need a professional valuation. We can guide you to appropriate specialists who lenders accept.
Get Approved
We match you with specialist lenders who understand collector vehicles. Know your budget before you bid or negotiate.
Enjoy Your Classic
Once you've secured your classic, we finalise the finance. Then it's time to enjoy your piece of automotive history.
Checking your options won't affect your credit score
Buying at Auction?
Classic car auctions move fast. You need finance pre-approved before you bid. We can arrange pre-approval so you know your limit and can bid with confidence. Settlement can be arranged within auction deadlines.
Get Pre-Approved for AuctionClassic Car Finance FAQs
Common questions about financing classic and vintage vehicles
Classic cars are valued differently than regular vehicles. Standard lenders use Red Book values which dont account for collector premiums. Classic car specialists understand that older vehicles can appreciate in value and use appropriate valuation methods.
Standard car loans often limit to 10-15 year old vehicles. C...
Standard car loans often limit to 10-15 year old vehicles. Classic car specialists have no such limits - we can finance vehicles from any era, provided they have appropriate value and documentation. A 1965 Mustang can be financed just like a new car.
Deposits are often required for classic car finance, typical...
Deposits are often required for classic car finance, typically 10-20% of the purchase price. The exact requirement depends on the vehicle value, your credit history, and the lender. Well-documented classics with strong provenance may require less.
Classic cars typically require a professional valuation from...
Classic cars typically require a professional valuation from a recognised specialist. This considers factors like rarity, condition, provenance, restoration quality, and current market trends. We can recommend valuers that lenders accept.
Some lenders will finance project cars, though this is more ...
Some lenders will finance project cars, though this is more specialised. The vehicle typically needs to be roadworthy and registered. For unfinished projects, you may need to explore personal loan options or staged finance arrangements.
Lenders require agreed-value insurance from a provider who s...
Lenders require agreed-value insurance from a provider who specialises in classic cars. Standard market-value policies arent appropriate as they dont reflect true collector values. We can recommend specialist classic car insurers.
Yes, with preparation. You need pre-approval before the auct...
Yes, with preparation. You need pre-approval before the auction with a clear spending limit. Some auctions have tight settlement requirements (24-48 hours), so having finance ready is essential. Let us know if youre planning to bid at auction.
Many classic cars have appreciated significantly, outperform...
Many classic cars have appreciated significantly, outperforming traditional investments. However, like any investment, values can fluctuate. The best classics combine passion with investment potential - enjoy driving it while it appreciates.
Still have questions? Contact our friendly team