Exotic car financing
Supercars, hypercars and modern exotics, financed against the asset rather than a depreciation table. Up to $5,000,000, with terms to 180 months. Subject to credit approval.
Up to $5,000,000 · Terms up to 180 months · Finance, refinance or lease buy-out
Four reasons this is not a normal auto loan
Most advice about financing an exotic is written for financing a car. The two diverge quickly, and the places they diverge are where deals fall over.
The amount outgrows ordinary lending
Unsecured personal loans — the route most comparison sites recommend first — typically stop around $100,000. That is a deposit on a modern hypercar, not a purchase. Above that line the transaction has to be secured against the vehicle, and the vehicle has to be understood.
The asset does not behave like a car
Limited-production models can hold value or appreciate while ordinary vehicles depreciate on a predictable curve. Underwriting that assumes constant decline misprices the collateral, usually against you.
Specification changes the number
Options, colour combination, delivery mileage and whether a car is a first or later series can separate two cars of the same model year substantially. A general-purpose valuation keyed to year, make and model cannot see any of it.
The conditions attached are different
Agreed-value insurance, storage, and sometimes mileage expectations are part of the deal rather than afterthoughts. A specialist raises them at the start; a general lender discovers them at closing.
What actually gets assessed
Four inputs, weighed together. None of them decides the outcome alone, and the first one is the one general-purpose lenders cannot read.
The car
Model, year, specification, mileage, service history and ownership record — assessed as an asset in its own right. Allocation history and factory documentation matter on cars where they are the difference between a good example and an exceptional one.
The structure
Purchase price against appraised value, and how much you are putting in. Loan-to-value is where most applications are shaped, and it is the figure worth discussing before you fall in love with a car.
Your credit profile
Stronger profiles open more of the market, but a score alone does not decide the outcome. A real person reads the whole file — which is the point of working with a specialist rather than a form.
Documentable income
Income you can evidence personally, rather than company turnover. Business owners are frequently surprised here, so it is worth knowing before an application rather than during one.
What you should expect to put in
- Expect to put meaningful equity in. Commentary across the category puts typical exotic down payments around 20% or more, and higher for the rarest cars or the longest terms.
- More down generally widens the range of structures available to you, rather than simply lowering the payment.
- A trade-in or an existing car with equity can form part of it.
- The right number is the one that leaves the loan comfortably inside loan-to-value limits with the appraisal in hand, not the smallest one that gets a yes.
How much down payment an exotic actually needs goes through the arithmetic in detail.
The trade you are actually making
Shorter term
Higher monthly payment, materially less interest overall, and equity builds quickly. Suits a car you intend to keep and a cash flow that can carry it.
Longer term
Lower monthly payment and a larger total cost. On a car that holds value this can still be the rational choice, because the capital you did not spend is doing something else — but go in knowing the total, not just the instalment.
Our programs are simple-interest with no prepayment penalty on eligible programs, so a longer term is not a trap — paying ahead genuinely reduces what you owe.
Where most lending stops, and what happens past it
Unsecured personal lending generally caps around $100,000. Specialist collector lenders typically reach around $1,000,000. Our programs run to $5,000,000, which matters because the seven-figure end of the market is genuinely active — Ferrari set a run of record prices through early 2026, and a single January auction week turned over $445 million.
Above $1M
Appraisal, storage and insurance requirements become part of the structure rather than paperwork at the end.
Across cars
A collection can be financed as a programme rather than as a series of unrelated applications.
On a deadline
Auction settlement windows are short. Arranging financing before you bid is the whole game.
Buying across state lines, or considering a lease instead? Financing a hypercar and leasing versus financing both go further than this page can.
Model the structure before you commit
Move the down payment and the term and watch the total, not the monthly. It is the fastest way to see what a decision actually costs over the life of the loan.
Illustrative example only
$3,217/moapproximately
- Vehicle price
- $250,000
- Down payment
- $50,000
- Amount financed
- $200,000
84 monthly payments at 8.99% APR
Estimated Payment Only. This calculator is provided for illustrative purposes only and does not constitute a credit application, approval, offer, commitment to lend, or guarantee of financing. The interest rate used is an estimate and may not reflect the rate for which you qualify. Actual loan terms, rates, monthly payments, and approval are subject to creditworthiness, vehicle eligibility, lender requirements, and other underwriting factors. Estimated payments do not include taxes, title, registration, insurance, or other applicable fees. Digital AutoFi does not offer or set the displayed terms. Please refer to our disclosures for additional information.
What the process is like
Rated 4.9 out of 5 on Google
Exotic car financing, answered
What an appraiser looks at, marque by marque
The things that move the number are not the same from one marque to the next. These go through what actually gets assessed on each.
Ready to finance your exotic?
Tell us the car and how you want to own it. A specialist structures it and tells you what is realistic — including when a different structure would serve you better.
- Initial feedback in about an hour during business hours
- No fee to submit an application to Digital AutoFi. Other transaction or third-party fees may apply.
- Programs available in all 50 states