Luxury Car Financing Made Simple

Welcome to our luxury car financing page! Here, you can find the best financing options for your dream car. Whether you're looking for a low-interest loan, a lease, or a cash purchase, we have the perfect solution for you. Our team of experienced professionals will work with you to find the best financing option that fits your budget and lifestyle. With our competitive rates and flexible terms, you can be sure that you're getting the best deal possible. So don't wait any longer - let us help you get behind the wheel of your dream car today!
Financing for every automotive niche
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exotic car financing
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Classic car loans
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Private party financing
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Subprime Auto Loans
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Antique car financing
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exotic car financing

Financing Cars is Quick and Convenient

ect handles everything

Full Service

We handle VIN verification, set up an inspection if needed, and facilitate all of the paperwork.

Flexible Credit

We are able to consider buyers with previous bankruptcies, foreclosures, and repossessions.

Fast Approvals

Once you fill out our secure credit application, our team works to get you a lending decision. 

Low Payments

Some of our lenders will finance terms up to 144 months with no pre-payment penalties.

how Financing works

Get a Quick Response from auto Lenders
Speak to an Exotic Car Trader Finance Expert
An ECT Finance Expert will walk you through the various auto loan options available depending on your credit profile.
Fill out a quick and secure application
We will provide you with a link to a secure vehicle finance application. Once you complete application this we will go to work.
Get a decision and get funded
If you are approved for the auto loan our Transactions Team will get to work immediately on completing the vehicle transaction.

Low payments for every niche

extended loan terms
Our auto financing partners understand that your money is sometimes utilized best elsewhere. That is why our lenders can offer extended financing terms giving you low monthly payments.
payment example - $615,000
Average Bank
$8,277.90
Our Banks
$4,920.00
Monthly Savings
$3,357.90
2020 Ferrari 488 Pista Spider
payment example - $126,500
Average Bank
$1,702.69
Our Banks
$1,012.00
Monthly Savings
$690.69
2016 Rolls-Royce Ghost
payment example - $95,000
Average Bank
$1,278.70
Our Banks
$760.00
Monthly Savings
$518.70
1974 Ford Bronco Sport
payment example - $67,000
Average Bank
$901.82
Our Banks
$536.00
Monthly Savings
$365.82
1924 Packard Single Six

Types of Auto Loans

Pros & cons of loan types

Secured Auto Loans

Secured auto loans are loans where the vehicle itself serves as collateral. If you fail to make the loan payments, the lender has the right to repossess the vehicle. Secured loans generally have lower interest rates compared to unsecured loans because the collateral reduces the risk for the lender.

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  • pros
    • Lower interest rates
    • Access to higher loan amounts
    • Potential for better terms
  • cons
    • Risk of repossession
    • Required collateral
    • Potential for negative equity

Unsecured Auto Loans

Unsecured auto loans do not require collateral, but they typically come with higher interest rates compared to secured loans. Lenders evaluate your creditworthiness and income to determine your eligibility for an unsecured loan.

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  • pros
    • No collateral required
    • Simpler application process
    • Flexibility in vehicle choice
  • cons
    • Higher interest rates
    • Stricter eligibility criteria
    • Lower loan amounts

Car Leasing

A classic car lease is a financial arrangement in which a classic or vintage vehicle is leased to an individual or business for a predetermined period. Unlike traditional auto loans or financing, a lease allows the lessee to enjoy the benefits of driving a classic car without the long-term commitment of ownership.

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  • pros
    • Lower monthly payments
    • Ability to drive newer models
    • Reduced maintenance and repair costs
  • cons
    • No ownership equity
    • Mileage restrictions
    • No customization options

Prime Auto Loans

Loans offered to borrowers with excellent credit scores. Traditional banks, credit unions, and reputable lending institutions typically provide these loans.

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  • pros
    • Lower interest rates
    • Higher loan amounts
    • Favorable terms and conditions
  • cons
    • Stringent eligibility requirements
    • Limited availability
    • Competition for prime rates

Subprime Auto Loans

Subprime auto loans are for individuals with credit scores below a certain threshold, typically around 620 or lower. These loans may have higher interest rates and stricter terms due to the higher risk associated with borrowers in this credit category.

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  • pros
    • Opportunity for financing
    • Access to vehicle ownership
    • Rebuilding credit history
  • cons
    • Higher interest rates
    • Potential for predatory lending
    • Limited options for vehicle selection