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A Word About
Classic Cars

ONE of the most exciting aspects of the classic car hobby is the widespread growth of certain types and styles of vehicles as more than just an enthusiast's diversion. The fact that many of these classics have transitioned themselves into solid investment opportunities has dramatically changed the face of the entire classic car marketplace.

We have two significant reasons that have served to create this environment. First, bank deposit rates have been historically low for an extended period. And, this has not only allowed discriminating speculators to borrow money inexpensively, it also eliminated the bank as an alternative for your savings or 401K.

In addition, as bank rates have stayed low, the values on classic cars has risen, and risen dramatically in some cases. This is what has created a perfect storm where not only does it usually pay to buy the best classic you can find; sometimes it makes sense to stretch yourself by financing that purchase, based upon the exact same logic as why it may make sense to get a mortgage on your home.

Will this situation last awhile? Who knows? But one thing is certain, its an interesting circumstance when you can both drive and enjoy a cool classic car and think of it as better than a Certificate of Deposit at the same time.

Our Approach to
Financing Classics

Specialty Sales Classics has relationships with up to thirty individual lenders who specialize in extending credit within different segments of the classic car marketplace. The variables which generally serve to determine their suitability to provide your loan are based upon several criteria. Among them are FICO credit scores, major life events reflected on a given credit report, term of the loan, interest rate, down payment and loan amounts, as well as the type and age of the vehicle being financed.

In addition, if you have had a serious negative ‘life event’ such as a one-time foreclosure or bankruptcy, we have lenders who may still be willing to work with you. So, do not let the existence of these events stop you from applying. There is only one way to find out if you can qualify and that is to apply.

The broadest, most basic of lending guidelines considered by our lending partners include:

  • Typically, 600+ FICO Score

  • Good Credit History

  • Loan Amounts from $10,000 - $500,000

While we can submit your credit application to to thirty lending partners, depending on underwriting guidelines, our two most active providers are shown below.


Go ahead and give our payment estimator a try. In most cases, it will give you an exact idea of what your monthly expenses will be.

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