Vehicle Registration Options
For registration purposes in Australia, there is the Historic Vehicles Scheme (HVS) and the Classic Vehicle Scheme (CVS).
Acquire & Invest in Collectible, Rare Cars with Customised Classic Car Loans
As specialists in classic car lending, Jade Finance enables collectors, investors and enthusiasts to acquire special classic vehicles with affordable, customised financing. We provide lending services for vintage, historical, rare, ex-military, ex-racing, unique and limited-edition vehicles and restoration projects. Whether the vehicle is purely for display and garaging, acquired as an asset, or for driving on an occasional or more regular basis, we have financing options to suit.
Why Jade Finance?
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Car Loan Specialist
With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
Discover Affordable Classic Car Financing with Customised Solutions
Buyers of these special vehicles appreciate our individual approach, range of financing options, access to the right lenders and depth of knowledge of both the car and the lending markets. Capabilities that deliver affordable, workable historic car financing. Whatever vehicle you are considering – buying privately, through a company or SMSF, speak with us for the best rates on customised classic car financing.
What defines a classic car? Intro to Collector Car Financing
Vintage and historic cars are not considered in the same category as contemporary second-hand and used vehicles.
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Classic Vehicle Scheme
CVS are vehicles 25-30 years old but with modifications that put them outside of the HVS classification. Classic car clubs in Australia define the category as vehicles built prior to 1990.
Vintage Vehicle Definition
Other definitions include all types of passenger vehicles that are still in the condition they were built or as close to that condition as possible and built between 1948 through to 1986 and any vehicle in excess of 30 years old.
Collector Car Financing
For financing purposes, we provide lending for a wide selection of different types of vehicles from many manufacturers that are 30+ years old. These can include vintage, historical, rare, military vehicles, racers, unique vehicles, limited edition models and restoration projects. Some of the very popular collector vehicles are iconic 70s and 80s models from Ford, Holden, Ferrari, Triumph, Porsche and Volkswagen.
Vintage Car Investment
Some collector vehicles are extremely good investments. While a new car driven out of the showroom quickly depreciates in value over time, vintage and collectible vehicles can retain and/or appreciate in value over time.
Display or Drive
The appeal of acquiring these types of vehicles may be as an investment, for nostalgia reasons or to preserve the history of vehicles. The purpose for the acquisition and how the vehicle will be used may impact the type of financing required. That is, whether the vehicle is acquired purely for display and garaging or whether it will be registered to be driven on public roads either as the owner’s regular drive or reserved for appearances at shows and Concours d’Elegance.
Unique Car Valuation
By their very nature, these vehicles are special and, in many cases, unique. The individual features and a valuation of the car will be required by our brokers to obtain a financing quote tailored to your objectives and the specifics of your classic car.
Rare Car Finance
- Financing for collector cars.
- Rare, vintage and historic car investment finance.
- Ex-racing, ex-military, old truck loans.
- Financing car restoration projects.
Nationwide Vintage Car Financing Tailored to Your Needs
Our services are available to buyers across Australia for vehicles to be purchased in-state or interstate. We can also assist with the insurance of vintage vehicles. Before purchasing, contact us to discuss how we can assist you with the best rates and individually tailored old car loans.
- Specialised heritage vehicle loan experts.
- 80+ lender base, including specialist classic car financing lenders.
- Best rates on heritage vehicle loans.
- Tailored, flexible terms.
- Financing for auction and private seller acquisitions.
Car finance guides and resources
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
Specialised Car Finance
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Realise the Benefits of Securing Classic Car Loans with Jade Finance
We appreciate the individual requirements of collectors and investors. Providing customised lending solutions tailored to buyer requirements and to the specific features and unique value of the vehicle. Our brokers are highly experienced in this type of lending, with in-depth knowledge of the vintage vehicle market. Lending products, rates and terms for heritage vehicle loans are individually sourced and structured and can vary across the lending market. We have a large selection of lenders that provide financing for collectors and investors, and we know which lenders will best suit each client.
Interest rates are negotiated individually with well-qualified buyers and vehicles with proven value appreciation attract the best rates. Flexible terms are negotiated to best suit the buyer’s objectives and based on the vehicle valuation. Pre-approved historic car financing is available to acquire vehicles at auction from private sellers and established dealers.
Our services are available to buyers across Australia for vehicles to be purchased in-state or interstate. We can also assist with the insurance of vintage vehicles. Before purchasing, contact us to discuss how we can assist you with the best rates and individually tailored old car loans.
- Specialised heritage vehicle loan experts.
- 80+ lender base, including specialist classic car financing lenders.
- Best rates on heritage vehicle loans.
- Tailored, flexible terms.
- Financing for auction and private seller acquisitions.
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Complete Range of Classic and Vintage Car Financing Facilities
Through our accreditations with specialist classic car lenders, we offer a comprehensive selection of financing facilities to suit investors, enthusiasts and collectors. A range of lending products to suit buyers purchasing as private individuals, through business entities and through Self-Managed Super Funds.
The type of funding most suitable – secured or unsecured, can be dependent on the lender agreeing to the vehicle being acceptable collateral, based on the valuation of the vehicle.
Our skilled brokers source and tailor each financing package at the best rates, and most flexible terms and to optimise tax benefits. Financing is sourced to suit the objectives of the buyer – investing for asset appreciation, expanding or starting a ‘forever’ collection, purchasing an old car to register and drive on public roads or acquiring an old vehicle to restore.
Buyers can have their vintage car financing approved prior to purchasing. This can be extremely useful when bidding at auction and negotiating with private sellers. Request a quote on your choice of funding or speak with us as to the most suitable option for your acquisition.
- Secured Personal Classic Car Loan where the lender accepts the vehicle as suitable collateral.
- Unsecured Personal Historic Car Loans can suit many older, vintage vehicles.
- Secured Business Loan for Unique, Rare Vehicles can suit enterprises acquiring special older cars for use in marketing campaigns and as investments.
- Commercial Financing Facilities for Business Buyers including Chattel Mortgage, CHP and Leasing.
- Tailored historic car financing for SMSF purchasers.
- Pre-approved financing for auction purchases.
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Classic Car Finance Eligibility Criteria, Application Process, Fast Approval
With vintage vehicle lending, both the buyer and the vehicle are assessed in the application approval process. As with all types of lending, the credit profile and financials of the buyer form an integral part of the process and affect the interest rates offered.
The vehicle is initially assessed on its eligibility for classic vehicle funding and, further, on suitability as lending collateral. To be eligible for classic vehicle lending, the age, condition, and rarity of the vehicle must meet lender criteria.
Specific features of the vehicle and a valuation are requested as part of the application process. Aspects such as if the vehicle is roadworthy and eligible for registration may impact the financing terms and conditions. Providing as much documentation as possible on the vehicle, including history, unique characteristics and any modifications, can assist our brokers in obtaining fast approval and the most suitable funding offer.
This is a specialist area of motor vehicle lending and can be more complex than applying for new and contemporary used vehicle financing. With the support and assistance of our specialist services, buyers experience a smooth, streamlined application process. Our brokers handle the paperwork and source the most suitable lender to ensure fast approvals and prompt settlement.
Applications can be submitted over the phone or via our online platforms for speed and convenience.
- Specialist brokers to handle paperwork.
- Smooth, streamlined application process.
- Apply by phone or online for vintage car financing.
- Fast approvals, prompt settlements
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Specialised Loans for Vintage Vehicle Collectors
While vintage and heritage vehicles are pre-owned, the standard selection of used vehicle funding products may not offer buyers the best lending solution. Our specialised classic vehicle loans take into account the unique features and intrinsic value of each car. Different interest rates, approved funding amounts and credit terms apply to loans for vintage vehicles compared with standard second-hand vehicle loans.
Standard used vehicle financing includes an assessment of the current condition and value of the vehicle from a depreciation perspective. Specialised vintage lending products take into consideration vehicle valuation from the perspective of the potential for asset appreciation. The purchase price and funding required for a vintage vehicle may be less than the valuation. Specialised credit products can provide collectors and investors looking for ROI or asset growth with customised solutions at the best rates.
To maximise the potential of your classic car acquisition, speak with us about securing specialised financing.
- Specialised classic vehicle lending products.
- Advantages for investors, and collectors.
- Custom rates, terms, and conditions to suit vehicle valuation.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, NEW GOODS, EFFECTIVE 20/12/2024 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
We work harder to secure the best rates.
Classic Car Loan FAQs
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Buyers of all types of vintage and heritage cars, whether for display or for regular driving, may benefit from sourcing specialised financing rather than standard used vehicle financing. Special financing facilities for vintage vehicles may be sourced through expert brokers.
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Yes. Buyers planning to purchase vintage vehicles at auction can have the funding application approved prior to purchase. The credit amount required can be estimated and finalised after the purchase.
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Interest rates on heritage vehicle financing are offered by lenders based on an assessment of both the credit profile of the buyer and the valuation of the vehicle. Buyers with good profiles can be offered the best rates. Rates for vintage vehicles can differ from the interest rates on standard second-hand vehicle financing.
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Where a business entity is acquiring a vintage car, they may select from Chattel Mortgage, Commercial Hire Purchase and Leasing to finance the acquisition.
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Vintage vehicle financing differs from standard used vehicle credit in a number of ways. The vehicles can be valued differently by lenders, and different rates, lending amounts, and terms can apply.
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First-time classic car buyers can seek specialised lending products through brokers and some lenders. Private buyers may consider secured or unsecured credit options. The choice may depend on the lender’s assessment of the specifics of the vehicle.
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When taking on asset financing, insurance is required. The requirements for heritage vehicles may be determined by the use of the vehicle – whether it will be driven on public roads or will be displayed and garaged only. The credit amount and the valuation are taken into consideration when deciding how much the vehicle should be insured for.
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Yes. Collectors of vintage, rare, historic and heritage vehicles can seek specialised lending products to fund acquisitions for their collection. These specific products are available through brokers and specialised lenders.
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Lenders will assess the valuation of a classic vehicle, including its heritage and potential for appreciation, when assessing financing applications for offers and approval.
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Classic car credit is financing specifically sourced and structured for vintage, heritage and historic vehicles as defined under accepted Australian classifications. Typically, these are vehicles that are in excess of 30 years old.