Classic Car Financing

car financing at dealership

If you’re looking for a pre-owned classic car in Scottsdale but don’t want to buy outright, you’ll need to secure a classic car loan. Most requirements are the same as those associated with a traditional car loan, but there are a few further things to take into account. We’ve set out everything you need to know.

Classic Car Financing: Bad Credit vs. Good Credit

Getting a traditional auto loan with bad credit is sometimes possible, but Google ‘classic car financing bad credit score’ and you’ll generally find yourself out of luck. Things you’ll need in addition to a good credit score include:

  • Diverse Credit History: As well as a strong overall score, credit reports should draw on a diverse selection of accounts, such as credit cards, personal loans, and mortgage payments.
  • Savings Account: Showing a savings account with a fair amount of money inside demonstrates your classic car isn’t an impulse purchase.
  • Steady Income: You’ll need a stable current source of income that proves you’ll have enough money to repay the loan.
  • Payment History: If you always pay your bills on time, potential lenders may be more willing to qualify you for a loan.
  • Insurance Coverage: As with basic auto loans, you should have proof of auto insurance.

Vehicle Requirements and Restrictions

  • Vehicle Appraisal: Most lenders want to know how much the vehicle is worth. You can consult an online guide or hire a local Paradise Valley area vehicle appraiser.
  • Age and Mileage: Some lenders will need a classic vehicle to fall within certain mileage and age limits.
  • Inspection: Some lenders need classic vehicles to be inspected for safety and quality. You can take care of this by arranging an appointment at a trusted service center.

Discuss Classic Car Financing at Land Rover North Scottsdale

Whether you want to value your trade before buying a classic car in Cave Creek or talk through financing options, we’re here to help. Simply contact us today, visit the showroom, or browse our handy car buying tips. While you’re at it, find out how to finance your purchase today!

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Land Rover North Scottsdale

18100 N Scottsdale Phoenix, AZ

Phone: (855) 559-3222


Phone: (877) 704-6122

18100 N Scottsdale Phoenix, AZ


Phone: (855) 559-3222

18100 N Scottsdale Phoenix, AZ


Phone: (877) 704-6950

18100 N Scottsdale Phoenix, AZ
33.650245 -111.9262896
Land Rover North Scottsdale 33.650245, -111.9262896.