Classic car finance at Merchant West works as a specialist asset-backed instalment agreement. We use specialist valuations and market comparables to assess the asset properly. Once the vehicle's value is established and your application is approved, we structure a repayment term and monthly instalment that works for your situation. The process is straightforward. The expertise behind it is how we go beyond a standard lender.

Most won't. If you've been down that road, you'll know why. Traditional banks require a retail book value to underwrite a vehicle loan. For anything outside the standard depreciation window, that value simply doesn't exist in their systems, so the application goes nowhere. We use specialist valuation methodology that reflects actual collector market values, which means we can finance vehicles that fall entirely outside what a conventional lender will consider.

Yes, we can structure finance for imported vehicles. Your dedicated Portfolio Manager will help you with the process of financing an imported car.

Yes. We apply the same specialist approach to classic and vintage motorcycles that we do to collector cars. We assess each motorcycle on its own merits rather than running it through a system that wasn't designed for it.

There isn't a fixed one. A blanket age cut-off is a blunt instrument that ignores condition and provenance. We assess each vehicle individually, which means age alone won't disqualify an application.

Yes, and this is one of the more meaningful ways we differ from conventional lenders. We can finance private and auction purchases, subject to the usual valuation and documentation requirements. If you're buying through an auction house, get in touch early so we can align the finance timeline with the sale process.