Financing for classic and collector cars.
Auction paddles, provenance research, a frame-off restoration years in the making — a fixed-rate loan that treats a collector car as the considered purchase it is, without touching the equity in your daily driver.
Fixed rates from
8.49%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- Winning bid at auction or a private collector sale
- A frame-off or rotisserie restoration and its labor
- Sourcing correct-date, numbers-matching components
- Enclosed transport and appraisal or authentication fees
Why a Lightstream loan.
No lien on the car itself
A collector car should not carry a title lien that complicates a future sale or a concours entry. This loan is unsecured — the vehicle stays entirely yours to show, drive, or sell.
A rate you can plan a build around
Restorations run on their own timeline. A fixed payment means the financing does not become one more variable while you wait on paint, chrome, or a back-ordered part.
Funds in your account, not escrow
Money lands in your bank account, so you can move on a private sale, pay a specialist shop, or raise a paddle without a lender in the middle of the transaction.
No penalty for an early payoff
If the car appreciates and you sell, or you simply want the balance gone, pay it off whenever you like with no prepayment penalty.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 8.49%–19.49% | $315.63/mo |
| 4 years | 9.29%–20.29% | $250.23/mo |
| 5 years | 10.19%–21.19% | $213.41/mo |
| 6 years | 10.19%–21.19% | $186.22/mo |
| 7 years | 11.29%–22.29% | $172.75/mo |
| 10 years | 11.29%–22.29% | $139.40/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
No. Because the loan is unsecured, we do not require a marine-style survey or an agreed-value appraisal the way a collateralized collector-car lender does. Underwriting is based on your credit and income, so the car’s valuation is yours to establish for insurance, not for us.
Yes. Funds are deposited to your account before the sale so you can bid and settle as a cash buyer. That often matters at auction, where a confirmed cash position is simpler for the house than arranging lot-specific financing.
A single loan is fixed at the amount you draw, so a mid-build overage is not automatically covered. Many collectors size the loan to the full estimated build up front; if scope grows later, you can apply for a separate loan for the additional work.
Program maximums apply and are shown in the calculator for this purpose. For a car whose build exceeds the personal-loan ceiling, borrowers often finance the acquisition here and self-fund or separately finance the restoration phases.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.