Financing Solutions for Collector Vehicles
Our lender network is set up for the specific vehicles the standard consumer loan pipeline cannot handle.
Classic Car Financing
Muscle cars, American classics, and vintage restorations of any era.
Exotic Car Financing
Porsche, Jaguar, Aston Martin, and other specialty sports and performance vehicles.
Luxury Car Financing
Modern luxury and grand-touring vehicles that fall outside standard auto lending.
Antique & Rare
Antique, one-of-a-kind, and limited-production vehicles that require specialty valuation.
Why Work with CCL
Collector Car Leaders coordinates the financing process on your behalf, connecting you with lenders whose programs are built for collector vehicles.
Specialty Lender Network
Our lender partners understand provenance, rarity, and condition, and their financing programs reflect the way collector vehicles actually hold value.
Flexible Financing Options
Our trusted lender partners offer flexible loan structures that account for the vehicle's value, your situation, and the specific market you are buying in.
Concierge-Style Guidance
Personalized guidance from a team that knows collector vehicles. We stay with you from your first question through funding.
How it works
How Collector Car Financing
Works with CCL
A streamlined financing process built around your vehicle and your situation.
Complete the
Service Form
Fill out the Service Form for Financing. It covers the vehicle, your situation, and everything our lender partners need to review your request.
We Line Up Your
Options
Our team works your request across the specialty lenders in our network and lines up options built for the vehicle and your credit profile.
Review Your
Options
Review the financing options available to you, ask questions, and move forward on the one that fits.
We Coordinate
Your Closing
Our team coordinates the paperwork, works with the lender through funding, and closes the deal so you can take delivery of your vehicle.
Customer Stories
What our
customers say
Real feedback from collectors who financed their vehicles through the CCL specialty lender network.
★★★★★This is a 42 year dream come true for me thanks to the team at CCL. The team was spot on, answered the phone every time I called, and was very quick to respond to all questions. I would highly recommend CCL.
Randall
★★★★★I would have been at a loss to do all the paperwork without the professional and prompt help from this business. It is a pleasure finding such competent employees.
Warren
★★★★★Great company. They are extremely detailed and professional and follow up every step of the way. Easy to work with as well. Highly recommend!
Joe
★★★★★Once I decided on a vehicle, CCL was very professional and patient with me through the process. I highly recommend CCL for anyone looking for financing a classic.
ACH
Common Questions About
Collector Car Financing
Answers to the most common questions about financing a classic, exotic, or luxury vehicle.
What types of vehicles qualify for collector car financing?
Classic, antique, exotic, luxury, and other collector vehicles. Our lender partners work across the full range of collector vehicle types. If you are unsure whether a specific car qualifies, share the details and our team will point you to the right lender in the network.
How is collector car financing different from a standard auto loan?
A standard auto loan treats a car as a depreciating commodity. Collector car financing accounts for provenance, rarity, condition, and a vehicle that may hold or grow in value. That changes how the vehicle is valued and how the financing is structured.
Do I need a down payment?
In most cases yes. The exact amount depends on the vehicle, your credit profile, and the lender's program. Our team can walk you through what a specific lender is looking for on the down payment side before you commit.
What credit profile is typically considered?
There is no single cutoff. Lender partners review your overall credit profile alongside the vehicle and the loan structure. Our network includes partners who work with a range of credit situations.
Can I finance a car purchased at auction?
Yes. Many of our lender partners are set up for auction purchases, and our team helps coordinate the timing these sales require so financing lines up with the deposit and payment windows.
Does CCL work with private-party purchases?
Yes. Our lender partners finance private-party sales as well as dealer and auction purchases. Private-party purchases have a few additional coordination points, and our team helps guide you through them.
Do collector car loans require agreed-value insurance?
Most collector-vehicle lenders require agreed-value insurance rather than the actual-cash-value policies used for everyday cars. Agreed-value coverage pays a set amount established up front, which matches how the vehicle is valued on the loan side. Our team can point you to specialty insurers when needed.
Can I get pre-approved before I find a specific car?
Yes. Many buyers request financing before locking in a specific vehicle so they know their budget when they start shopping. Share the vehicle category and approximate price range and our team can start the process with our lender partners.
Can I finance a project car or one that isn't currently running?
In many cases, yes. Restoration projects, non-running collector vehicles, and restomods can be financed through certain lenders in our network. The vehicle's provenance, documentation, and appraised value drive what's possible. Share the specifics and we will find the right lender fit.
What documents will I need to apply?
Typical documentation includes government-issued ID, proof of income, information on the vehicle you're financing, and, for higher-value vehicles, a professional appraisal. Exact requirements vary by lender program. Our team walks you through what each specific lender needs so you're not gathering paperwork twice.
From the Blog
More on collector car financing
Guide
How CCL Helps You Secure the Best Financing Rates for Your Dream Car
Why a specialty lender network often beats a standard auto loan on terms built for collector vehicles, and how CCL coordinates the process end to end.
Read article
Guide
Top 10 Mistakes to Avoid When Buying a Collector Car
The most common missteps buyers make when shopping for a collector vehicle, and what to check before you commit to the purchase.
Read articleReady to Explore what financing options are available to you?
Click the button to get started. The quick request form takes a few minutes, and our team will take it from there.