A McLaren and Ferrari parked by the coast

The Garage — Insights

Financing insights for enthusiasts.

Straight, practical guides on financing exotic, classic, and collector cars, from loan rates and terms to insurance and protecting your investment.

Read before you buy, finance, or insure.

Red Ferraris parked on wet cobblestones in the rain

Market5 min read

The Ferrari Market in 2026: Recent Auctions and the Models to Watch

The Ferrari market has been putting on quite a show. Recent auctions have brought an unusually large number of important Ferraris into public view, including collections offered entirely at no reserve. The results have given buyers, sellers, and collectors fresh data, but they have also created plenty of confusion about what individual Ferraris are actually worth.

September 21, 2026Read article

Ownership8 min read

Agreed Value vs. Actual Cash Value: Insuring an Exotic or Collector Car

A standard auto policy may not fully protect the value of an exotic or collector car. If the vehicle is totaled, actual cash value coverage could result in a settlement that doesn't reflect its condition, rarity, provenance, or current collector-market value.

September 4, 2026Read article

Financing Basics7 min read

How to Finance a Hypercar or Seven-Figure Collector Car

Financing a hypercar or seven-figure collector car requires a different conversation than financing a weekend sports car. The amount is larger, the review is more detailed, and accurate vehicle valuation becomes especially important.

September 2, 2026Read article

Buying8 min read

Is It Safe to Buy an Exotic or Collector Car Online? (And How to Protect Yourself)

More exotic and collector cars change hands online than ever, through auction sites, marketplaces, and dealer inventory. It can absolutely be safe, and enthusiasts buy remotely with great results, but it demands more diligence than a handshake at a local lot. Here's how to buy online with confidence.

August 27, 2026Read article

Buying8 min read

Warning Signs of Title Washing in Exotic and Classic Car Sales

Title washing is one of the sneakier frauds in the collector market: a car with a salvage, flood, or lemon brand gets a fresh, clean-looking title by exploiting the gaps between states. On a six-figure exotic or a rare classic, that hidden history can quietly wipe out value and safety. Here's how to catch it.

August 25, 2026Read article

Buying8 min read

How to Verify Vehicle Titles Before Buying a Classic Car

The title is your legal proof of ownership, and on a classic car that has changed hands for decades it's also where hidden problems hide. Here's how to verify a title before you buy, so you don't inherit someone else's liens, damage history, or fraud.

August 13, 2026Read article

Buying8 min read

How to Spot a Fraudulent Classic Car Dealership: A Guide for Buyers

Most classic car dealers are honest, but the money and emotion involved draw scammers, from fake dealerships to unlicensed flippers. Here's how to tell a legitimate seller from a fraudulent one before you wire a dollar.

August 11, 2026Read article

Financing Basics8 min read

How to Choose the Right Lender for Your Exotic or Collector Car Purchase

Choosing where to finance an exotic or collector car matters as much as choosing the car. The wrong lender can undervalue a rare machine, decline a great buyer over a technicality, or stall a time-sensitive deal. Here's what separates a true specialty lender from a mass-market bank.

August 6, 2026Read article

Financing Basics8 min read

Understanding Open-Ended Leases for Exotic and Collector Cars

Leasing an exotic isn't one-size-fits-all. Beyond the familiar closed-end lease sits the open-ended lease, a structure that can fit exotic and collector owners who drive more, buy through a business, or own cars whose values are hard to predict. Here's how it works.

August 4, 2026Read article

Application Tips8 min read

Common Mistakes to Avoid When Applying for Exotic Car Financing

Financing an exotic should be smooth, but a few avoidable missteps trip buyers up and cost them time, money, or the car itself. Here are the most common mistakes when applying for exotic car financing, and how to sidestep each one.

July 30, 2026Read article

Financing Basics7 min read

How Much Down Payment Is Needed for Exotic Car Financing?

Down payment is one of the first numbers to plan for on an exotic car loan. Most specialty financing calls for 10–20% of the selling price, though the exact figure depends on the car and your profile. Here is how it works and how to plan for it.

July 28, 2026Read article

Credit Tips8 min read

What Credit Score Do You Need to Finance an Exotic or Collector Car?

There's no single magic number, but there are clear benchmarks. Here's the credit score generally recommended to finance an exotic, classic, or collector car, what specialty lenders weigh alongside it, and how to put your profile in the strongest position before you apply.

July 23, 2026Read article

Financing Basics8 min read

Exotic and Collector Car Leasing vs. Financing: Which Is Best?

Lease for lower payments and a new car every few years, or finance to own the asset outright? For exotic, classic, and collector cars the right answer depends on mileage, how long you'll keep it, and whether the car is likely to appreciate. Here's how to choose.

July 21, 2026Read article

Buying8 min read

How to Finance a Car You Win at Auction

At auction, the hammer drops in seconds and payment is due in days. The buyers who win the right car without scrambling are the ones who lined up financing before they ever raised a paddle. Here is how to be one of them.

July 16, 2026Read article

Refinancing8 min read

Cash-Out Refinancing for Exotic & Collector Cars: Turn Equity Into Liquidity

You paid cash, or paid the loan off. That doesn't mean the money is stuck. A cash-out refinance lets you borrow against the equity in a car you already own and put that capital back to work, without selling the car.

July 9, 2026Read article

Financing7 min read

Finance or Pay Cash for a Collector Car? How Smart Buyers Decide

You can afford to pay cash, but should you? Here is how experienced collectors weigh liquidity, opportunity cost, insurance, and refinancing when deciding whether to finance a classic or collector car.

June 24, 2026Read article

Financing8 min read

How to Finance an Exotic or Sports Car: Rates, Terms & What Lenders Look At

Financing a Ferrari, Lamborghini, McLaren, Porsche, or any high-end sports car works differently than a standard auto loan. Here is how exotic and sports car financing works in 2026, what lenders look at, and how to prepare before you apply.

June 12, 2026Read article

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