Exotic Car Financing

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Exotic Car Financing — Built for Serious Buyers

If you’re purchasing a $200,000+ exotic or luxury vehicle, you don’t need banks dragging their feet, rookie lenders, or cookie-cutter auto loans that don’t understand high-value assets.

We work exclusively with experienced credit buyers who have liquidity, strong financials, and want fast, discreet approvals.

This is financing for people who can already afford the car — and want to structure it intelligently.

Who We Work With

This program is not for first-time buyers or stretched deals.

Our ideal clients have:

  • 700+ credit score (680+ considered)

  • Strong liquid cash reserves

  • Consistent income or verifiable assets

  • Experience owning high-end vehicles

  • Clear purchase intent ($200,000–$2,000,000+)

You’ve earned the right to buy exotic — we make sure the financing reflects that.

Why Clients Choose Us

  • No dealership games

  • Soft pull pre-qualification

  • Same-day approvals on qualified files

  • Private seller & auction friendly

  • Custom structures for high-net-worth buyers

  • Discreet, white-glove handling

We don’t “sell loans.”
We structure capital efficiently.

How Exotic Car Financing Works

Our process is built for buyers who already know what they want.

Step 1: Initial Profile

Quick overview of:

  • Vehicle target
  • Purchase price
  • Timeline
  • Credit tier

No credit hit. No commitment.

Step 2: Financial Snapshot

We’ll request:

  • ID
  • Proof of income or assets
  • 2–3 months bank or brokerage statements
  • Vehicle details (dealer invoice, listing, or auction link)

This isn’t about qualifying — it’s about optimizing terms.

Step 3: Lender Matching (24 Hours)

We evaluate:

  • Credit depth
  • Liquidity
  • Vehicle type & depreciation profile
  • Desired structure (cash preservation vs ownership speed)

Then we match you to the correct exotic lender, not the highest-margin one.

Step 4: Approval & Funding

You’ll receive:

  • Rate & term options
  • Required down payment
  • Monthly payment scenarios

Most deals fund within 1–3 business days once documents are complete.

Pro Tip: Submitting statements and vehicle info upfront = fastest funding.

Exotic Car Financing Rates & Terms

Strong buyers get strong terms.

Typical Program Range

CategoryRange
Vehicle Price
$200,000 – $2,000,000+
Term Length
36 – 84 months
Interest Rates
6.5% – 11%
Down Payment
0% – 30% (sometimes less)
Funding Speed
1–3 business days

What Impacts Your Rate

  • Credit profile depth
  • Liquidity & cash reserves
  • Vehicle brand & model
  • New vs used
  • Loan-to-value

Ferrari, Lamborghini, McLaren, Porsche GT, Rolls-Royce, Bentley, Aston Martin — all evaluated differently.

Exotic Car Loan vs Lease

Exotic Car Loan

Best if you want ownership, equity, and long-term control.

Pros

  • You own the vehicle outright
  • No mileage restrictions
  • Easier private resale
  • Asset-based leverage later

Consider if

  • You plan to keep the car
  • You rotate vehicles through private sale
  • You want maximum flexibility

Exotic Car Lease

Best if you want lower payments and upgrade flexibility.

Pros

  • Lower monthly obligation
  • Easier exit strategy
  • Predictable cost of ownership

Consider if

  • You upgrade every 2–4 years
  • You prefer liquidity over equity
  • You don’t want depreciation exposure

We’ll show both options side-by-side so you can choose based on math, not emotion.

Private Seller & Auction Financing

Buying from:

  • Private seller
  • Bring a Trailer
  • RM Sotheby’s
  • Barrett-Jackson
  • Dealer consignment

We:

  • Verify title
  • Validate value
  • Structure funding to meet auction timelines

No problem.

Exotic Car Brands We Finance

  • Ferrari
  • Lamborghini
  • McLaren
  • Porsche (GT / Turbo / RS)
  • Rolls-Royce
  • Bentley
  • Aston Martin
  • Bugatti (case-by-case)
  • Pagani (case-by-case)

If it’s a legitimate exotic, we can structure it.

Who This Program Is NOT For

To be direct:

  • No subprime credit
  • No stretched affordability
  • No “first exotic” with thin files
  • No speculative flips without liquidity

This program is built for buyers who already have leverage.

Frequently Asked Questions

Can I finance a used exotic?
Yes. Most exotic deals are pre-owned. Condition, mileage, and provenance matter.

How much cash do I need?
Typically 10–30% down, plus reserves. Strong files can do better.

Can I pay it off early?
Yes. Most programs have minimal or no prepayment penalties.

Is income required?
Income or assets. Many clients qualify via liquidity and net worth.

Is this discreet?
Yes. White-glove handling. No unnecessary exposure.

Get Pre-Qualified for Exotic Car Financing

If you’re ready to purchase a $200,000+ exotic vehicle and want financing that respects your financial position, we’ll structure it correctly — fast.

Minimum Profile

  • 700+ credit preferred
  • Strong liquid assets
  • Serious purchase intent

Apply once. Get real options. Move forward.