If you’re thinking about financing a Ferrari, chances are you’re not just deciding between old and new — you’re thinking about what kind of experience you’re chasing. Do you want a gated manual? A mid-engine thrill ride? Something that might double in value, or something you can drive on weekdays? 

Let’s look at Ferrari financing through the lens of what matters most to you — because choosing the right model isn’t just about the era. It’s about what fits your lifestyle, your budget, and the driving experience you are after.

Want a Gated Manual? 

That iconic gated shifter is a feature many enthusiasts dream of — and it’s almost entirely a thing of the past. If that tactile, analog experience matters to you, here’s where to look: 

Classic Options (Most Gated Manuals) 

• Ferrari F355: Considered by many as the last great gated Ferrari before electronics took over. 

• Ferrari 360 Modena (Manual): A modern-driving experience with an old-school gearbox — rare and rising in value. 

• Ferrari 308/328: Affordable entry point into the gated club. 

Modern Workarounds

• None new from the factory, but conversions on models like the 430 exist — at a premium.

Financing Tip: Gated manuals tend to appreciate or at least hold value more so than automatics— so while the upfront cost may sting, the long-term equity often makes financing worthwhile. 

Want Mid-Engine Performance?

If you want sharp handling and an unmistakable engine, mid-engine is the move. 

Classic Picks

• Ferrari Dino 246 GTS: The original mid-engine Ferrari. Iconic, rare, and collector-level. 

• Ferrari Testarossa: Wide stance, flat-12 engine, and pure ’80s drama. 

• Ferrari 348 / F355 / 360 Modena: The modern-era mid-engine sweet spot.

Modern Monsters

• Ferrari 458 Italia: Arguably the last naturally aspirated mid-engine V8 Ferrari. Reliable, usable, and fast. 

• Ferrari 488 GTB / F8 Tributo: Turbocharged punch with daily usability. 

• Ferrari SF90 Stradale: Plug-in hybrid with supercar stats. 

Financing Tip: Mid-engine Ferraris — especially older ones with rising collector interest — are one of our most popular classic Ferraris to finance.

Want a Supercar That Appreciates?

Some Ferraris are more than just cars — in certain cases, they can actually appreciate in value. That said, it’s rare for all the stars to align while factoring in maintenance, insurance, and other ownership costs. 

This is not financial advice — always consult with your investment advisor. Given history and values, here are the ones that are appreciating in today’s market.

Classics to Watch

• Ferrari 250 GT / 275 GTB / Daytona: Blue-chip, million-dollar territory. 

• Ferrari 512 BB / Testarossa: Still on the upswing in many markets. 

• Ferrari 360 Manual / F355: Gated-shifter cars are steadily climbing. 

Modern Exceptions

• Ferrari 458 Speciale: Limited production, naturally aspirated V8 — already appreciating. 

• Ferrari LaFerrari / Monza SP1/SP2: Hyper-limited, hyper-valuable. 

• Any manual-conversion 430 or 599: Not OEM, but the rarity adds serious value.

Want the Best Value Ferrari Right Now?

If you’re looking to get behind the wheel without jumping into the deep end of six-figure financing, there are still excellent options. 

Less Expensive Ferrari Classics

• Ferrari 308 GTB/GTS: Under $100K, with vintage vibes and big-screen fame. 

• Ferrari 348 TS / 400i: Underrated and sometimes overlooked, but full of charm.

Less Expensive Modern Icons

• Ferrari California / California T: Front-engine V8, hardtop convertible, CPO eligible. 

• Ferrari 612 Scaglietti: V12 power at an unexpected price point. 

• Ferrari FF: AWD shooting brake with V12 performance — and often underappreciated.

Want to Drive it Every Day?

Not everyone buys a Ferrari just for weekends. If you’re looking for a car that can handle traffic, Bluetooth, and creature comforts — here’s where to aim:

Classic Models

• Ferrari 456 GT: Front-engine V12 grand tourer — a daily classic, if well maintained. 

• Ferrari 550 Maranello: Analog V12 + usability = golden combo.

Modern Daily Drivers

• Ferrari Roma: Designed to be driven — elegant and comfortable. 

• Ferrari Portofino: Hardtop drop-top with usable trunk and street-friendly manners. 

• Ferrari 812 Superfast: It says “superfast,” but it’s also surprisingly refined.

Financing Tip: Cars driven more frequently may depreciate faster — but financing can help spread out the cost while preserving cash for maintenance and upgrades.

Let the Features Drive the Decision

Instead of asking “classic or modern?”, start by asking “what kind of Ferrari experience do I want?” Then match that to a model — and let Woodside Credit help make it happen with financing designed around your goals. 

Why Woodside Credit?

• Lowest Payments in America 
• Up to 180-Month Terms 
• Finance from Dealer, Auction, or Private Sale 
• No Prepayment Penalties

Get behind the wheel of your next Ferrari — not just based on the model or year but based on what you love most. Let’s make it happen. Get a Quick Quote today.