How to Get Classic Car Financing

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Looking for a pre-owned classic car in Edgewater or Crofton? Getting a classic car loan works much like getting a traditional car loan, but securing a traditional loan for a classic car is unlikely due to age and mileage restrictions. That makes classic car loans the best solution if you’re not in a position to buy outright–read on to learn more and contact Land Rover Annapolis if you have any questions!

Classic Car Financing: Bad Credit vs. Good Credit

Understanding how car finance works isn’t always easy, but it becomes a whole lot easier with Land Rover Annapolis. You can sometimes secure financing for a new car with a bad credit score, but classic car financing with bad credit is much trickier. You’ll also find a few things in addition to good credit, which means needing to prove:

  • Strong Credit History: A good credit score should be drawn from an array of accounts, such as mortgage, credit cards, and personal loans.
  • Steady Income: You’ll need a stable current source of income that is high enough to show you’ll be in a position to repay your loan.
  • Insurance: As with a traditional auto loan, you should be able to provide proof of auto insurance.
  • Payment History: Always pay your bills on time? That’s great – potential lenders will take that into consideration.
  • Savings Account: Show that your vintage vehicle purchase isn’t impulsive by establishing a savings account and building up some money before applying.

Vehicle Requirements and Restrictions

  • Vehicle Appraisal: Lenders usually require an appraisal to determine how much your prospective classic car is worth. Try using sources like NadaGuides to get an idea of your current value or look for vehicle appraisers in an around the Severna Park area. They charge between $100 and $500. 
  • Age and Mileage Restrictions: Some lenders require classic vehicles to fall within set age and mileage limits.

Classic Car Financing with Land Rover Annapolis

To hear about classic car financing bad credit score options, discuss financing, or talk about how credit reports could affect your chances, simply get in touch with the team here at Land Rover Annapolis. While you’re at it, find out how much liability insurance costs in Annapolis. You can even value your trade and check out our used vehicles and used vehicle specials. 

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Land Rover Annapolis 39.0177406, -76.4824321.