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How to Get Classic Car Financing

car financing at dealership

If you’re looking for a classic car around Englewood or Saddle River, you’ll also need to think about getting a classic car loan if you’re not able to buy the vehicle outright. The requirements are similar to getting a traditional auto loan, but securing a traditional loan on a classic car can be tricky. That’s why we’ve set out everything you should know.

Classic Car Financing: Bad Credit vs. Good Credit

You can sometimes secure an auto loan with poor credit, but classic car financing with bad credit is uncommon. As well as a good credit score, you should have:

  • Strong Credit History: A good credit score should come from a strong credit report based off a diverse selection of accounts. Think credit cards, mortgages, and personal loans.
  • Good Payment History: Have a record of paying your bills on time? Potential lenders might take that into consideration.
  • Steady Income: You should have a fixed income that shows enough money coming in to cover your payments.
  • Savings Account: Putting some money aside in a savings account shows a classic car isn’t an impulse purchase.
  • Insurance Coverage: As with traditional car loans, classic car financing requires proof of auto insurance.

Vehicle Requirements and Restrictions

  • Appraisal: Most lenders need the vehicle appraised to see how much it’s worth. You can hire a Ridgewood area vehicle appraiser for yourself for between $100 and $500. 
  • Age and Mileage Limits: Depending on the lender, your potential classic car may need to fall within certain mileage or age limits.
  • Inspection: Depending on the lender, the vehicle may need a full safety and quality inspection. You can always have it inspected beforehand by scheduling an appointment at a service center you trust.

Explore Financing Options with Land Rover Paramus

Whether you want to check out used models or value your current trade, make Land Rover Paramus your first port of call. For any further advice or assistance with auto financing, simply contact us today or find out how car finance works with our team.

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405 NJ-17, Paramus, NJ, 07652

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Phone Numbers:Sales Hours:
  • Mon - Thu9:00 AM - 7:00 PM
  • Fri - Sat9:00 AM - 6:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:30 AM - 5:00 PM
  • Sat - SunClosed
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405 NJ-17 • Paramus, NJ 07652

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Open Today! Service: 7:30am-6pm

Open Today! Parts: 7:30am-5pm

Land Rover Paramus 40.9489573, -74.0731194.