A classic silver Ferrari with city skyline in the background

Classic Car Finance

What makes a car a classic goes beyond the standard definition. Iconic pieces of motoring history, classic cars often hold an emotional connection for their owner. Our tailored classic car finance packages match this individuality.

Apply for Classic Car Finance

Rates Starting From 8.9% APR*

Our bespoke offering is created with deep knowledge of your requirements as well as that of the classic car market. Quotations are sourced from an extensive panel of lenders, who our team are able to negotiate with directly on your behalf. Drawing on our experience and network, you can be assured of a competitive offer that’s perfectly matched to you.

Your Finance: A Simple Journey

  • 01

    Let’s discuss your future classic car

    Call +44 (0)2920 025 669 or enquire online.

  • 02

    Your personalised quotes are created

    We can take you through options tailored to you.

  • 03

    The credit approval process takes place

    Straightforward, with our team on hand if required.

  • 04

    Sign your documents and collect your keys

    Drive away your dream classic car in no time at all.

Options When Financing A Classic Car

At Above.Beyond, we pride ourselves on responsible lending, ensuring we tailor the most suitable finance options to meet each client’s specific situation and needs. Our offerings include robust yet practical balloon payments and competitive rates designed specifically for classic car financing.

Some of the options you have when financing a classic car through us include:

  • Hire purchase that allows you to pay monthly instalments with the option to buy the vehicle outright at the end
  • Lease purchase with a balloon payment at the end of the agreement
  • Equity release that enables you to expand your car collection against another classic car

We can also arrange pre-approved auction and restoration finance to best suit your requirements.

Make an Enquiry

Allow us to work with you, and for you, to finance your classic car.

Frequently Asked Questions

  • Financing a classic car through a broker should be the primary option you consider. This is because brokers have the ability to work with several lenders to find the best interest rate on the market, as well as tailoring the finance product to suit the client’s needs. Classic cars are highly valued and often appreciate over time, making them a desirable investment. With this in mind, brokers can offer options such as balloon payments to increase end values, thereby lowering monthly payments. This makes owning your dream classic car more affordable than you might think!

  • When it comes to financing a classic car, brokers provide greater flexibility and have many options available. They will also often review the client’s needs and plans for the coming years to ensure the right product is selected. Some of the most frequently used products include:

    1. Hire Purchase: The most common form of vehicle finance, this allows the customer to spread the balance over an agreed term, normally ranging from 2-5 years. At the end of the agreement, the vehicle will be owned outright.
    2. Personal Contract Purchase (PCP): A very popular option that gives great flexibility to customers throughout the agreement. For a full explanation of PCP finance, visit our Personal Contract Purchase page.
    3. Lease Purchase: This option often results in the cheapest monthly payment for classic cars. With Above.Beyond’s Lease Purchase product, we can tailor the financials. By leveraging our expert knowledge of classic cars, we can increase end values, reduce interest rates, and structure the contract to give you the lowest monthly payment in the market.
    4. Business & Personal Leasing: If you’re interested in hassle-free motoring and want to change your car every 3-4 years, leasing might be the option for you.

    Using a broker for classic car finance ensures you receive the best possible terms and personalized service, making the dream of owning a classic car more attainable.

  • Applying for classic car finance couldn’t be simpler. It’s as easy as contacting one of our finance specialists, and they will handle everything for you. Once we have your details and vehicle information, our team of experts will spend a few hours researching the best deals on the market and creating the ideal package tailored to your needs.

  • For classic car financing, we require all clients to have a solid credit profile. We work with a network of around 70 lenders, each with its own underwriting criteria, but all insist on a good credit history over the last 5 years. Not sure if you qualify? Contact one of our team members, and we’ll discuss the options available for your unique circumstances.

  • Rates can vary from month to month, and different lenders have different offerings. This is why using a broker such as ourselves is the best option when financing a classic car. Rates start from 8.9% APR.

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