The Original Exotic Car Lender

cars

Loans Tailored to Exotics

Woodside finances vehicles with a selling price between $20,000 and $1 million. Our terms are straightforward: no prepayment penalties, no balloon payments, and no nonsense.

valuable

From First-time to Seasoned Collectors

Experience a high-touch and high-tech approach paired with full-service loans. Woodside works with your seller and can even handle title work for you.

money

New or Used, Same Low Payments

Secure the lowest payments in America on your next exotic car. Rates do not differ between new and used, making it even easier to get into the exact vehicle to suit you. 

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Buy from Anywhere

The Woodside lending program goes wherever you go. Whether you are on a showroom floor, at a neighbor’s garage, or on the bidding block, purchase with confidence.

Proof is in the Payment

Keep more cash in hand. Woodside Credit loans are built for those who keep their money working hard elsewhere—from business owners who appreciate the option to make a low minimum payment to cash savvy collectors who keep their money working in investments—and everyone in between. See the lowest payments in America in action.

Here’s how you can estimate your monthly payments and find the program that works best for you:

  • Determine Your Loan Amount: Calculate the car’s total price, including taxes and fees. Then, subtract any down payment you plan to make to get your loan amount.
  • Choose Your Loan Term: Woodside Credit offers flexible terms, allowing you to select a loan duration that aligns with your financial goals. Longer terms mean lower monthly payments, while shorter terms help you repay your loan faster.
  • Understand Your Interest Rate: Your interest rate will depend on your credit profile and loan term. A lower interest rate can reduce your total cost over the life of the loan.
  • Estimate Your Monthly Payments: Use Woodside Credit’s classic car loan calculator to see how the loan amount, term, and interest rate combine to determine your monthly payment.

Take the guesswork out of financing and discover your next exotic with low monthly payments.

Exotic Car Financing

PAYMENT EXAMPLE
LAMBORGHINI HURACÁN
$249,000

Typical Bank
$3,3551

72 month term1 Typical bank payment of $3,355.18 based on a purchase price of $249,000.00 with 20% down and 6.57% APR financing for 72 months.

Woodside Payment
$1,9951

180 month term1 Monthly payment of $2,023.24 based on a purchase price of $249,000.00 with 20% down and 9.02% APR financing for 180 months.

Monthly Savings
$1,360

EXOTIC CAR FINANCE EXAMPLE
FERRARI 458 ITALIA

$215,000

Typical Bank

$3,1072 Typical auto loan payment of $3,106.66 based on a purchase price of $215,000 with 20% down and 9.07% APR financing for 72 months.

72 month term

Woodside Payment

$1,7482 Monthly payment of $1,747.52 based on a purchase price of $215,000 with 20% down and 9.03% APR financing for 180 months. Rate with optional AutoPay (ACH Debit) discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay discount are 0.50% higher. Best rates are available for credit scores of 700 and above. TT&L may also be financed. Not all applicants will qualify. Rates and terms are subject to change without notice.

180 month term

Payment Difference

$1,359

EXOTIC CAR FINANCE EXAMPLE
MASERATI MC20
$299,000

Typical Bank

$4,3183 Typical auto loan payment of $4,317.64 based on a purchase price of $299,000 with 20% down and 9.05% APR financing for 72 months.

72 month term

Woodside Payment

$2,4293 Monthly payment of $2,428.71 based on a purchase price of $299,000 with 20% down and 9.02% APR financing for 180 months. Rate with optional AutoPay (ACH Debit) discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay discount are 0.50% higher. Best rates are available for credit scores of 700 and above. TT&L may also be financed. Not all applicants will qualify. Rates and terms are subject to change without notice.

180 month term

Payment Difference

$1,889

Built for Exotic vehicles,

Tailored to Enthusiasts.

Explore Our Loan Program

Exotic Brands We Finance

Woodside Credit finances ultra-luxury and exotic brands, classics 25 years and older, and select vehicles from mainstream manufacturers. Explore the brands below or view our lending guidelines

What To Expect

1

Quick Quote

With no obligation and no credit check, a quick quote estimates your low monthly payment on the vehicle. Tenured loan professionals can provide program details to help you make an informed borrowing decision.

2

Apply

Apply online or over the phone. Experienced underwriters take a commonsense approach to underwriting, looking for good, established history, and comparable credit. Most decisions are reached within hours.

3

Docs and Funding

Woodside will inform you of the necessary requirements for your loan. Upon receiving all the requirements, loan documents are sent via email for your review and signature. Once complete, funds are sent to the seller.

Applying for Exotic Car Finance

Hans SoloHans Solo ★★★★★ Brian ManzerBrian Manzer ★★★★★ Amir and everyone involved made this a very easy experience for me. I highly recommend Woodside to everyone.Michael TurinoMichael Turino ★★★★★ Worked with Siraj who made a private-party exotic car purchase super easy. Woodside was the lienholder and the seller was moving out of the country. Financing through Woodside essentially protected my sale from a variety of potential issues. Siraj was organized and most importantly communicative. Very simple process and very fair terms and rates. Will definitely use again. Thanks Woodside and Siraj!Eddy RobertsonEddy Robertson ★★★★★ Great service, easy to reach and communicate with.Chris CaporaleChris Caporale ★★★★★ Jerry and the woodside team were awesome! Very responsive, did exactly what they said they would and made the process very easy.Rick BoscardinRick Boscardin ★★★★★ Scott makes it smooth and easy every time.Joel LujanJoel Lujan ★★★★★ Amazing companyDennis S.Dennis S. ★★★★★ What an incredible experience. This should be your first and only call when buying an exotic or collector car. Debbie went above and beyond ensuring my transaction was quick and seamless. Will definitely use them again!MARCO PACHECOMARCO PACHECO ★★★★★ Highly recommend, talked to three classic car financing companies. Woodside was by far best rates and Very easy to apply for and work with. Raj was very guick to answer any questions I had.rgfjrsrgfjrs ★★★★★ Amazing!Sal CannistraciSal Cannistraci ★★★★★ Had a great experience with Woodside Credit. Debbie Sanford has been great when it came to getting everything squared away with my loan. She was friendly and helpful. Answered all my questions.Sam BeckSam Beck ★★★★★ Excellent folks to work with. Very professional and honest.Brian MorrisBrian Morris ★★★★★ Lee NapierLee Napier ★★★★★ Awsome experienceMarco TrujilloMarco Trujillo ★★★★★ Ron ForehandRon Forehand ★★★★★ Very easy to work with and protective of my interests (and theirs) to ensure a proper and legitimate funding and sale. Highly recommended.Eric BirdEric Bird ★★★★★ I was looking to get a loan for a Corvette and was really nervous about the outcome, and Robert made the whole experience amazing. Really great communication and kept me in the loop through the whole process. Highly recommend, thank you!Kenneth Ball SrKenneth Ball Sr ★★★★★ Was really happy with the process from beginning to end. Even though the process was across states, everything moved along smoothly.Randy WardRandy Ward ★★★★★ Charles DawsonCharles Dawson ★★★★★ Danny was a superstar! Flawless execution of the process.Mushfiq SarkerMushfiq Sarker ★★★★★ Amir from the team was legendary. Closed in 36 hours. Excellent terms and rates for business owners like myself. Highly recommended!Markus HockensonMarkus Hockenson ★★★★★ Seamless process and everyone was helpful and responsive! Thanks Woodside!Doug LyonDoug Lyon ★★★★★ Woodside got me right into the amazing vehicle I wanted. They offered a very low payment that was perfect for my intent since I don’t plan on keeping the vehicle for many years. If I change my mind, I can refinance. But with my plans as they are, the low payment was great. Thanks Woodside (Scott).Gina IrwinGina Irwin ★★★★★ Jacob Freeman was absolutely incredible to work with. Provided a quote and answered questions immediately after my request and even after hours. Loan approval and financing was completed within 2 days. He also has a Hagerty Insurance rep on-site and was able to get coverage immediately which allowed the loan to be processed quickly. If I could give Jacob and Woodside more than 5 stars, I would!!!!! Great company and staff.Kevin Irwinjohn smallwoodjohn smallwood ★★★★★ Justin LacroixJustin Lacroix ★★★★★ Hands down best company I’ve used for a vehicle purchase would give 10 stars if allowed. Jeff Sparrow is extremely communicative and helpful, highly recommended. David Neff was also a huge help with insurance stuff. Phenomenal crew.Joshua FoxJoshua Fox ★★★★★ Great experience. Was a very easy and clear process. Super happy I went straight to Woodside and not through the dealer for financing. Zelda was professional and timely.Agim SalijaAgim Salija ★★★★★ Pete HeilandPete Heiland ★★★★★ Debbie is awesome to work with. Makes process so easy!Scott GreenScott Green ★★★★★ Robert Ramos with Woodside Credit was my finance guy and he made the entire process from start to finish an easy and fabulous experience. He even went above and beyond after the deal was closed to answer some of my concerns.Todd WernerTodd Werner ★★★★★ Jeff was terrific to work with and the process was easy.Ryan NickolRyan Nickol ★★★★★ I had an excellent experience with Woodside. I have a high credit score but like most small business owners the debt to income on the credit check isn't accurate because it doesn't tell the whole story. Chase, my rep, was able to identify that after I sent over a couple tax returns. 5 minutes later I was approved for more than I needed. When it comes time to buy the next toy, Woodside is the only call I'll make.Jim AndersonJim Anderson ★★★★★ What can I say woodside credit was a pleasure to work with thay answered all my questions and I always got timely answersThanks so much for all your help two thumbs 👍 upJimJoseph PizzimentiJoseph Pizzimenti ★★★★★ Art and team from Woodside made my experience “scary easy”! Purchased my 1967 VW bus out of California and transporting home to Hawaii….. Seamless communication and smooth loan process ensured that seller and I were well informed throughout. Highly recommend for your classic car needs…. Mahalo Nui Loa Art!Steve ErathSteve Erath ★★★★★ Quick and easy, very easy application. Q kept me in the loop the entire time. Good experiencephil Spellphil Spell ★★★★★ Response to my inquiry was extremely fast. Amir and his team answered all my questions promptly. The entire process from start to finish was very smooth. Amir's follow up and patience was very much appreciated. To top it off Woodside had the best loan terms of all the companies I checked with. I highly recommend that you check them out.Robert DurbinRobert Durbin ★★★★★ Great customer service.Andrew GreenAndrew Green ★★★★★ I got the pleasure of having Robert Ramos helping me and I can tell you right now that man needs a raise! Absolutely the best customer service I’ve ever received from any company!Hot Headz MarineHot Headz Marine ★★★★★ Made my dream a reality 🙏🏼🏁Absolutely the best financer with the most simple, Fast, Easy, process & with Competitive rate. 💵Customer service second to NONE.🏆 I mean every single aspect Of my loan was handled more than professionally by an extremely experienced, caring individual. I only wished I would have known about. Woodside credit years ago.⭐⭐⭐⭐⭐Jacquelyn VJacquelyn V ★★★★★ Prompt, responsive, knowledgeable and fair.Q looked out for me from start to finish!What more can you ask for?Richard HartzRichard Hartz ★★★★★ a pleasure to work with!Johnny EdwardsJohnny Edwards ★★★★★ Great rates and great terms. Easy application process. Great customer service. I got my dream car at an affordable monthly payment. I know that everyone complains about the length of the term, but if you get your dream car and plan to keep it for life, 8 - 10 years is worth it. Especially if the car you purchase holds or increases in value. You can always walk away and sell your vehicle for a profit if your financial situation changes. At the end of the day, spoil yourself. I'm driving my dream car for the monthly payment of a well optioned BMW 5 Series! Just be ready to put up 25% as your down payment. That's the only real hurdle.Balthazar MejiaBalthazar Mejia ★★★★★ Debbie was Great to work with.Answered all my Questions, we had fun during the process and great experience overall. Even over the phone.This is my first classic car with Woodside. And Debbie is your go to person.Highly recommend.-Client from DC.pat stroudpat stroud ★★★★★ Great experiance with Chase Johnson. Could not be happier.rick grooverrick groover ★★★★★ Amir was outstanding to work with. He went above and beyond to ensure everything worked smoothly and the payment was sent to the dealer quickly. Can't say enough good things about Woodside and especially Amir Samii. I'd highly recommend giving them the chance to finance your new ride.Darren HillDarren Hill ★★★★★ I worked with Siraj and he was great to work with. He helped me every step of the way. He did great by me. Thanks again!js_loader
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Enjoy a lower rate with AutoPay*

Disclosure: *AutoPay discount (ACH Debit) is only available prior to loan funding. Rates without AutoPay discount are 0.50% higher. Best rates are available for credit scores of 700 and above. TT&L may also be financed. Not all applicants will qualify. Rates and terms are subject to change without notice.