Finance / Lease
Finance or lease it like the car deserves.
Short answer: we arrange loans and leases through specialty exotic lenders and lessors, with longer terms on high-value cars, personal or business names, and trade-ins applied to your deal. Estimate a loan or lease payment below, then complete our two-minute credit application.
Payment calculator
See the whole picture, not just the payment.
We show the APR, term, down payment and total of payments together, so a low monthly number never hides the real cost.
Lease estimator
Prefer to lease? Run those numbers too.
Move the sliders to see how price, residual and money factor shape the payment.
How it works
Lenders who understand these cars.
Specialty exotic lenders
Banks often won't lend long on a $300,000 car. Specialty lenders will, with terms built around how these cars hold value, subject to approval.
Personal or business
Buy in your own name, jointly, or through your LLC or corporation, usually with a personal guarantee.
Trade-ins welcome
We value your trade off real sold comps, pay off its loan and apply the equity to your purchase.
Finance questions
Financing, answered.
How long can you finance an exotic car?
Specialty exotic lenders offer longer terms than a regular auto loan on high-value cars, in some cases 144 months or more, depending on the car's price, age and your credit. Longer terms lower the payment but raise the total interest you pay.
Can I lease the car instead of financing it?
Yes. Specialty lessors write leases on exotic and luxury cars, personal or business, and strong resale values can make the payment lower than a loan. Use the lease estimator on this page, then request a quote and we'll shop the lessors for you. Every lease is subject to the lessor's approval.
What is a money factor?
It's the lease's rent charge written as a small decimal. Multiply it by 2,400 for a rough APR equivalent, so a money factor of 0.0029 is about 7%. Your actual money factor is set by the lessor after credit approval.
What credit score do I need to finance an exotic?
The best rates usually go to scores above about 700 with strong income and assets, but lenders look at the whole picture, including down payment and the car itself. Every approval is up to the lender.
How much should I put down?
Many exotic loans call for 10% to 20% down or more, depending on the car and the lender. A bigger down payment lowers the payment and the total interest.
Can I buy through my LLC or corporation?
Yes. Business purchases are common. Lenders typically ask for business details and a personal guarantee. Ask your tax advisor how it applies to you.
Is it safe to enter my Social Security number here?
Yes. The application is sent over an encrypted connection straight to our finance team, and your SSN is only used to process your credit application with the lenders and lessors we shop for you. It is never stored in our CRM, and your credit isn't pulled until you authorize it.
Can I trade in my current car?
Yes. We'll value your trade with the same sold-comps approach we use for cash offers, pay off any loan on it, and apply the equity to your purchase.
Your move
Find out what your car is worth today.
Send a VIN and a few photos. A real person, not a bot, comes back with a number, usually the same day.