Finance for the car you have always wanted
Mainstream lenders get nervous about age; our partner brokers use specialists who understand and properly value collector cars.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
How classic & vintage car loans work with us
A 1970 muscle car shouldn't be financed like a 2015 hatchback. Standard lenders often refuse or undervalue older vehicles; specialists look at condition, provenance and market value.
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Your broker works with lenders that finance collectible cars, including interstate and auction purchases, and helps sort valuation and paperwork for a smooth settlement.
- Classic and vintage cars
- Muscle cars
- Restomods
- Imported collectibles
- Club-registered vehicles
- Auction purchases
Age is not a barrier
Specialists finance decades-old vehicles when value and condition stack up.
Auction-friendly
Pre-approval helps you bid with confidence, and we can settle quickly after the hammer.
Valuation guidance
Your broker explains the valuation or inspection needed and helps arrange it.
Flexible structures
Secured, with or without a balloon, over terms that suit your ownership plans.
How lenders value a classic car for finance
Classic cars often sit outside standard pricing guides, so specialist lenders rely on valuations, history and comparable sales. That valuation sets how much they'll lend, and you'll usually cover any gap with a deposit.
Read the full explanation
With an everyday car, lenders lean on standard industry pricing guides. Classic and collector cars often sit outside those guides, so specialist lenders look for other evidence of value. That might be a professional valuation, an inspection report, recent comparable sales, auction results or an agreed value on a classic car insurance policy. Matching numbers, documented history, original panels and the quality of any restoration all influence how much a lender is comfortable lending against the car.
The valuation matters because it sets how much the lender will advance. If you're paying more than the lender's assessed value, you'll usually need to cover the gap with a deposit. Restomods and heavily modified cars can be trickier, because their value depends on build quality and buyer taste. Before you bid or pay a holding deposit, ask your broker what evidence the lender will want, and allow time to gather it, especially for interstate or imported cars.
- Enthusiasts buying a restored or concours-standard car
- Collectors adding to an existing collection
- Buyers bidding at classic car auctions
- Muscle car or restomod buyers, not daily drivers
Pros and watch-outs
Pros
- Value and condition assessed, not just age
- Pre-approval gives you a firm auction limit
- Keeps savings free for maintenance or restoration
- Secured may cost less than an unsecured personal loan
Watch-outs
- !Valuations and inspections add cost and time
- !Not every classic qualifies, especially rare imports or projects
- !Collector values can move, affecting your equity
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Valuation or inspection fee
Specialist lenders may require an independent valuation, usually at your cost. Ask before committing.
Deposit
Lenders may advance less on rare or hard-to-value cars, so you may need a bigger deposit.
Agreed value insurance
Comprehensive cover is usually required. An agreed value policy protects both you and the lender.
Transport and compliance
Interstate or overseas freight, compliance and roadworthy costs usually aren't covered by the loan.
Establishment and early payout fees
Specialist lenders may structure fees differently, so compare fees as well as repayments.
Tips to strengthen your application
- 1Gather the car's history, receipts and photos before applying
- 2Get an agreed value insurance quote early
- 3Avoid unfinished projects; most lenders want a roadworthy vehicle
- 4Bid below your pre-approval to allow for buyer's premium and fees
What you’ll need
What you’ll need
- Driver's licence or passport
- Two recent payslips, or tax returns if self-employed
- Last 90 days of bank statements
- Current debts and regular expenses
- Photos, valuation or inspection report, and seller's details
What lenders look for
- 18+, Australian citizen or permanent resident (some lenders consider visa holders)
- Regular, provable income
- A credit history your broker can explain, blemishes included
- Repayments that comfortably fit your budget
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Classic & vintage car loans: common questions
Why won’t my bank finance a classic car?
Many banks set a maximum vehicle age, often around 12 years, so older cars are declined automatically. Specialist lenders assess the car on value and condition instead of age.
Do I need a valuation?
Often, yes, particularly for higher-value or rare vehicles. Your broker will tell you what the lender needs before you commit to a purchase.
Can I finance a car bought at auction?
Yes. Get pre-approved before the auction so you know your limit. Tell your broker the auction house and timing so settlement can be lined up.
What about club registration?
Some lenders accept club-registered vehicles. It depends on the lender and how the car will be used, so mention it up front.
Can I finance an unfinished restoration project?
It's difficult. Most lenders want a complete, roadworthy car they can value and insure. If you're buying a project, an unsecured personal loan or savings may be the more realistic route.
Can I drive my financed classic car every day?
Usually, if the car is fully registered, but tell your broker how you'll use it. Club registration schemes often limit how many days a year you can drive, which may affect some lenders' willingness to lend.
Can I borrow against a classic car I already own?
Some specialist lenders will refinance or lend against a classic car you own outright, often with a current valuation. Your broker can check which lenders on their panel consider this.
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