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Exotic Car Lease Buyouts Q&A

The end of your exotic car lease is coming soon, so what’s your plan? Do you still love your vehicle and want to keep it, or is it time to move on to the next? The exotic car market has changed significantly over the past few years, along with the rest of the automotive market, making end-of-lease decisions different than in years past.

What does residual value mean?

Residual value is the car’s value at the end of a lease term. In most lease agreements, you may be able to purchase your leased exotic car for the residual value at the end of your contract. With the shortage of new vehicles and used vehicle prices up to new heights in the past few years, the buyout option can look even more attractive.

What type of lease do I have?

Leases originate from one of two types of companies—the lease from an automaker’s captive finance company or through a third-party lender who specializes in vehicle leasing for certain types of new or used vehicles. There are two main types of leases—close-ended and open-ended.

In close-ended leases, the residual value is agreed upon in case the lessee wants to purchase at the end of the agreement. Commonly called a lease buyout, it allows you to buy the car you’re already driving for a predetermined price.

Open-ended leases are also an option for exotic cars. This agreement allows the lessee to terminate a lease early or extend it a few years. You can still buy out the lease in most open-ended leases, but the residual value can vary greatly.

Can you finance a lease buyout for an exotic car?

Yes, and you can finance your lease buyout with Woodside Credit. Lease buyouts are becoming quite popular due to the increased prices in the used car market. With the average price of a used car going up over 40% in 2021, many people find themselves in an advantageous situation with the buyout cost of their vehicle being less than the current value. (Note: open-ended leases may not have the same advantages)

How much are monthly payments for a loan vs. lease?

Typically, loans have been known for having higher payments than leases, but that’s not always the case. Woodside Credit’s loan program is built for low monthly payments, often making those payments even less than leasing, as you can see in this payment example. If you know the residual value of your vehicle, it’s easy to estimate your payment with Woodside with the payment calculator.

What to do at the End of your Exotic Car Lease?

If you love the vehicle and the residual value of your car is less than the market value, it’s worth considering buying out the car. Some may purchase the vehicle outright, but loan options are available. If you are interested in a loan program with low payments, Woodside Credit is happy to estimate your payment.

What fees do I have to pay at the end of my exotic car lease?

Leases can be notorious for various fees and vary based on the agreement you sign and what you do at the end of your lease. A typical fee is the disposition fee, which is paid to the lease company when you return your vehicle. Other fees typically charged can be based on the vehicle’s condition, mileage, and when the vehicle is returned.

Do I have to pay tax when buying out my lease?

In most cases, yes. Tax is originally charged on the monthly payment amount when a vehicle is leased. (Note, some states require taxes for lease payments to be paid upfront, and some states may require sales tax to be paid on the total value of the vehicle.)  When you purchase your leased vehicle, you will have to pay tax on the residual value.

Looking for a lender who knows lease buyouts? Woodside Credit makes financing your lease buyout easy. With the loan program that’s famous for low monthly payments, it makes financing your vehicle an attractive option for those who want to keep their monthly payments low. With over $2 billion in loan originations and 20 years of experience, trust the lender tailored to classic, collector, and exotic vehicles.

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The Top 10 Best Muscle Cars of All Time

It’s hard to argue the late 60s and early 70s were the heyday for the muscle car. Designed for power and straight-line speed, the muscle car is an inexpensive, rear-wheel-drive machine built for racing light-to-light. Not to confuse pony cars, muscle cars were known for their enormous snorting V8s, bulletproof construction, and cheap parts.

1964 Pontiac GTO 389 Tri-Power

Estimated Payment: $668/month

pontiac gto

With iconic styling, muscular presence, and the triple carburetor engine, this original GTO is often referred to as the first American muscle car.  With a 0-60 MPH time a full second faster than a regular GTO, it was the pinnacle of high-performance and low cost.

Sale Price $65,000. Monthly payment of $668 based on a loan amount of $58,795, 10% down, and 6.61% APR financing for 120 months.

1969 Ford Mustang Boss 429

Estimated Payment: $1,581/month

One of the rarest and most desirable muscle cars today, with completely restored versions going for over 300k in today’s market, the Mustang Boss remains one of the most important muscle cars of its time. The variant was launched for Ford’s new motorsports endeavors. It’s one of the most revered American engines and a total of 1356 were built.

Sale Price $175,000. Monthly payment of $1,581 based on a loan amount of $157,795, 10% down, and 6.53% APR financing for 144 months.

1969 Dodge Charger Daytona 426 Hemi

Estimated Payment: $1,396/month

1969 Dodge Charger Daytona 426 Hemi

Featuring a nose-cone up front where the grill typically is and a giant stabilizer wing on the rear deck, this is one muscle car built for speed. Created for NASCAR, this vehicle won many races and was a success for Dodge.

Sale Price $200,000. Monthly payment of $1,396 based on a loan amount of $160,295, 20% down, and 6.53% APR financing for 180 months.

1969 Chevy Camaro ZL-1 427

Estimated Payment: N/A

1969 Chevy Camaro ZL-1 427

The engine is what made the ZL-1 so special, with open-chamber aluminum heads and a forged crank, the design made the front end of the vehicle much lighter than competitors. Only 69 were built and today they are considered very special and rare, with examples easily heading into the 7-figure range.

1969 Chevy Camaro Yenko 427

Estimated payment: N/A

1969 Chevy Camaro Yenko 427

One of (if not the most) desirable of big-block Camaros is the Yenko 427. Named after Don Yenko who modified an array of Chevy’s muscle cars, the main difference from the ZL-1 was the route in which it was modified. Both however pack the aluminum engine punch which makes both vehicles valuable today.

1970 Plymouth Superbird 426 Hemi

Estimated payment: $3,487/month

Plymouth superbird

With the Charger Daytona being the sibling of the Superbird, they share some of the modifications, but the Superbird happens to be a bit less aerodynamic. Nonetheless, the Superbird carried over the impressive Hemi engine and was more available given over 700 were produced.

Sale Price $500,000. Monthly payment of $3,487 based on a loan amount of $400,295, 20% down, and 6.51% APR financing for 180 months.

1970 Chevy Chevelle LS6 454

Estimated payment: $905/month

1970 Chevy Chevelle LS6 454

Coined King of the Streets due to its 450 horsepower and 500 lb.-ft of torque, the vehicle had the biggest engine Chevy ever placed in a passenger car. Its top-of-the-line engine was matched with all the options, making the around 4,000 versions produced expensive at the time (and extremely valuable today).

Sale Price $100,000. Monthly payment of $905 based on a loan amount of $90,295.00, 20% down, and 6.56% APR financing for 144 months.

1970 Dodge Challenger 426 Hemi

Estimated Payment: $1,766/month

Built around a big-block Hemi, with the smaller architecture, the body was developed to compete more closely with the Mustang and Camaro of its time. The V8 delivered over 425 horsepower and offered both a 4-speed manual and automatic.

Sale Price $220,000. Monthly payment of $1,766 based on a loan amount of $176,295, 20% down, and 6.53% APR financing for 144 months.

1970 Plymouth Cuda 426 Hemi

Estimated payment: $2,964/month

1970 Plymouth Cuda 426 Hemi

The Cuda was newly redesigned for the ’70 model year and shared the same platform as its Dodge counterpart. Characterized by being slightly shorter and its large, split front grille, this generation was the push from being an economy pony to a full-on muscle car. The ‘Cuda’ signifies the larger engine over the more mainstream Barracudas.

Sale Price $425,000. Monthly payment of $2,964 based on a loan amount of $340,000, 20% down, and 6.51% APR financing for 180 months.

1970 Buick GSX Stage 1 455

Estimated payment: $1,356

1970 buick GSX

The GSX Stage 1 was Buick’s answer to the booming muscle car market. With the brand positioned slightly higher than Chevy, the vehicle had less in-your-face style but still packed over 510 lb. ft of torque, making it one of the biggest engines of its competitors.

Sale Price $150,000. Monthly payment of $1,356 based on a loan amount of $135,295, 10% down, and 6.54% APR financing for 144 months.

Ready to shop for your next muscle car? See the low Woodside Credit payment in action on sites like or hemmings. Did you find a ride you like? Get a quick quote to estimate the Woodside low monthly payment.

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Where to Unleash your Exotic Car

Ready to put your exotic car to the test? Across the US, there’s a variety of organizations that create Track days at your local racetrack. Whether you’re looking to test your speed, handling abilities, or just have fun, these events are in a controlled environment, allowing for drivers to see what their vehicles are really made of. In essence, a track day is a fun way to exercise your car quickly and responsibly. From owners’ clubs to track day organizations like most of the below, there are many ways to get on the track. See below for our list to get your exotic or supercar on the track.

Track Shaker

The mission of Track Shaker is to enable and empower automotive enthusiasts to fulfill their dreams of driving their cars on track. The organization seeks to lower the barriers to entry for track events by providing enthusiasts with the information, resources, tools, and encouragement that will help them get on track. With a map and resources to find an open track day near you, it’s a great place to start your search.

Sports Car Club of America

With regionally hosted track days and national events, SCCA is home to a variety of different events on the track, including track days. These events are not designed for a high-pressure experience, but rather an environment to have a fun experience with stories to share. There is some instruction (namely track etiquette and safety items) and is for drivers from novice to advance. With regular events at tracks across the US, this is one of the largest organizations.

Speed District

Focused on California, Speed District has monthly events at some of California’s biggest tracks. Born from an enthusiast who wanted to create a less crowded experience, the events are limited to allow for a more exclusive racing experience. Expect to meet other enthusiasts that are passionate about the drive, not their ego.

Northern California Racing Club 

One of the most affordable quality rack events, NCRC is one of the top driver education and open track organizations in the state of California. With high-performance driving events and open track days, the NRNC has many options to learn and grow at your pace. With monthly events at 5 tracks, it’s the perfect fit for enthusiasts in Northern California.

Start your engines! If you’re looking to purchase an exotic vehicle, test out our quick quote, where you can estimate the monthly payment on your next exotic.

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The Increasing Value of Collector Vehicles

There’s no denying the increasing value of exotic vehicles. With the most expensive vehicle recently sold for an eye-watering $142 million, a record beat by over $95 million, there’s more interest than ever in collector cars. After a relatively linear increase in car values over the past decade, the pandemic took it up a notch, and now vehicle values are higher than ever. With this increasing trend in value, how did the collector car market get to this spot, and will it continue this momentum?

To answer the questions above, it’s essential to look at what has happened more broadly over the past two years. COVID-19 and its lifestyle have greatly sparked an interest in collector cars for a few crucial reasons. Consumers wanted to travel safely and freely, they spent more time at home, and many had fewer expenses over their previous lifestyles, having more cash in hand. Like the rest of the economy during the start of the pandemic, it was uncertain what would happen to car values, but concerns quickly changed to rising prices. Stimulus money and PPP loans could also be a factor, given the additional money in the economy. From a new vehicle perspective, the chip shortage could also drive collector car prices, given there are fewer new vehicles available to compete with. All these forces made collector cars’ values increase at an even higher rate than the average yearly rate of 10 percent.

Many outside the car world may wonder or may not see the immediate value of collector cars. With many pouring money into restorations of vehicles, the maintenance and upkeep of classic vehicles can be high. Still, for some investors, vehicles can be a unique portfolio asset that can increase at rates above the markets. From vintage Japanese sports cars to American muscle, specific vehicle types continue to rise in value even more quickly than others. Beyond the value, owning an exotic car can be worth it to an investor for various reasons. From exclusivity to aesthetics and history to power, there’s a variety of characteristics that may make one vehicle appreciate more than another.

 Will Collector Vehicles Continue to Increase in Value?

There’s a variety of factors to see if collector vehicles will continue to increase in value. In short, it isn’t very easy. Here are a few important angles that are impacting the collector car market both positively and not-so-positively:

  • Car Market has Historically Followed Market Changes: Historically, the car market has followed and had exaggerated trends around the economy. So when the economy is hot, the collector car market is scorching. When the market is down, so are car values. Although this has been the trend historically, the other factors below are playing a more significant role than ever.
  • Car Collectors Are Getting Younger: Much like the housing market where millennials now make up 43% of home buyers, millennials and gen Z are the fastest-growing groups of car collectors. This means there’s more competition than ever, which is why 80s and 90s vehicles are becoming more popular.
  • Inventory Continues to Be a Challenge: New car inventory continues to pressure other parts of the market, including collector cars. Another layer is automaker’s focus on EVs, which may keep internal combustion vehicles in short supply.

Woodside Credit has been serving clients with low monthly payments for 20 years, and with this experience, we have operated through ups and downs in the economy. Although we wish we had a crystal ball to know the future, trust our expertise in navigating your collector vehicle purchase. Get a quick quote today.


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Underappreciated Classic and Exotic Vehicles

Car values continue to climb in the auto world, and certain models are skyrocketing at an even quicker pace. Models like the Porsche 911 are driving the trend to higher prices, but there are many vehicles missing the appeal buyers are looking for today. See below for our top picks for underappreciated vehicles and why they’re worth considering.

2005 Lotus Elise

lotus elise

Estimated Payment $527*

Average Sale Price $45,000

The Lotus Elise came to the US market in the early 2000s with a formula based mainly on smaller sports cars like the Mazda Miata. It was more potent and exciting with a more performance-focused goal and an aluminum chassis. Maintenance on the Elise is relatively inexpensive with its Toyota-sourced engine, but repairs can be costly due to its fiberglass design and rarity.

*Monthly payment of $526.68 based on a purchase price of $45,000.00 with 7.27% APR financing for 96 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1989 Chevrolet Corvette

chevrolet corvette

Estimated Payment $289*

Average Sale Price $20,000

The Corvette nameplate has undergone many evolutions through its eight generations. The C4 generation is the quintessential 80s vehicle. Like many 80s vehicles, they haven’t been appreciated the same way as older model vehicles, but that trend is changing. While GM continued to make changes on the generation, by 1989, it was fitted with a new transmission and other improvements making it a real competitor.

*Monthly payment of $289.00 based on a purchase price of $20,000.00 with 8.93% APR financing for 84 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1992 Acura NSX

1992 acura nsx

Estimated Payment $688*

Average Sale Price $70,000

This mid-engine, rear-wheel-drive sportscar came to the market with a lightweight aluminum body, intending to exceed the performance of Ferraris at the time. It beat the Ferrari at its own game from the get-go but never quite caught up to the volume or brand presence. Today there is a good selection of NSXs available and make a good case with legendary Honda reliability.

*Monthly payment of $687.74 based on a purchase price of $70,000.00 with 6.90% APR financing for 120 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1973 Datsun 240Z

1973 Datsun 240z

Estimated Payment $496*

Average Sale Price $40,000

Inspiring the design language in the latest Nissan Z, the 240Z was an initial success with sleek styling, modern engineering, relatively low price, and impressive performance. Get your hands on one ready for restoration under $15k, or see top-of-the-line restorations with pricing climbing close to six figures.

*Monthly payment of $496.02 based on a purchase price of $40,000.00 with 7.29% APR financing for 96 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1975 Porsche 914

1975 porsche 914

Estimated Payment $521*

Average Sale Price $42,000

The 914 has the reputation as the 911’s not-as-good stepbrother. Having been designed and engineered with Volkswagen, it was perceived to be a watered-down version of what enthusiasts had come to expect from Porsche. It’s proven to be a well-balanced, relatively spacious, and albeit slow, it has been going up in value alongside its other Porsche brethren.

*Monthly payment of $520.55 based on a purchase price of $42,000.00 with 7.28% APR financing for 96 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1987 Buick Grand National

1987 Buick Grand National

Estimated Payment $557*

Average Sale Price $45,000

Sometimes referred to as the Ultimate 1980s muscle car, it was comfortable and packed up a punch credited to a partnership with McLaren Performance Technologies. With a zero to 60 time in under 5 seconds, its turbo engine made other vehicles at the time seem archaic. Fandom is starting to grow, but it’s still a great deal on a McLaren tuned machine.

*Monthly payment of $557.35 based on a purchase price of $45,000.00 with 7.26% APR financing for 96 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1968 Mercury Cougar

1968 mercury cougar

Estimated Payment $373*

Average Sale Price – $30,000

Debuting as a rebadged version of the Mustang, the Mercury Cougar was a strong seller thanks to its more luxurious features and design. The GT-E Cougar was built with the 428 Cobra Jet engine making it known to be the rarest Cougar of all time.

*Monthly payment of $373.36 based on a purchase price of $30,000.00 with 7.39% APR financing for 96 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

1995 Mazda RX-7

1995 Mazda RX-7

Estimated Payment $446*

Average Sale Price – $38,000

The third-generation RX-7 was part of the golden age of the Japanese sports car. With its rotary engine and wishbone suspension with aluminum components, it was perfectly balanced, making it fun and fast. With its relatively low price at the time, the RX-7 can be found today for a steal, so long as the very 90s style suits you.

*Monthly payment of $445.59 based on a purchase price of $38,000.00 with 7.32% APR financing for 96 months. Rates and terms are subject to change. TT&L may also be financed. Not all applicants will qualify.

Ready to get into your next collector vehicle? Start with a quick quote.

The Best Porsche 911s of All Time

The Porsche 911 is of the most iconic sportscars from the past decades, and today it remains an icon for its legendary performance, brand name, and artful driving dynamics. As one of our most popular vehicles to finance, Woodside Credit has spent much quality time understanding the nuances of each version and generation of this iconic vehicle. The 911 continues to climb in value at a rate higher than most other classics and exotics—many model years have crept into the 6, even 7 figure range. Here are our picks for the best Porsche 911s of all time (with estimated payments included).



1973 Porsche Carrera RS

Estimated Payment $5,579/month

The ’73 Carrera RS was Porsche’s first time making an even better ‘S’ version of the 911. Focused on engineering a lighter, more powerful, better-balanced version of the original made this Porsche even more competitive at the time. Today the extremely rare RS fetches some impressive figures and is beloved by some of the wealthiest people in the world.

Sale Price $800,000. Monthly payment of $5,579 based on a loan amount of $640,395, 20% down, and 6.51% APR financing for 180 months.



1976 Porsche 911 Turbo (930)

Estimated Payment $771/month

This is the first year of the 911 Turbos. With race-series being ‘production-based,’ it was important for Porsche to market this vehicle to consumers to meet homologation regulations. Therefore, upon its introduction, the model built upon the Carrera RS’s success and was the fastest production vehicle available in Germany. With 256 horsepower, a revised suspension, larger brakes, and a more robust gearbox, the 930 was an enthusiasts’ dream. However, with quick specs, the vehicle was also a bit demanding to drive, and due to the rear engine layout, it was prone to oversteer.

Sale Price $75,000. Monthly payment of $771 based on a loan amount of $67,895, 10% down, and 6.54% APR financing for 120 months.


porsche 911

1991 Porsche RS 3.8 (964)

Estimated Payment $5,666/month

In 1989 Porsche entered a more modern age with the ’91 version of the 911 and kept much of its racing heritage. With New styling revisions, integrated bumpers, auto transmissions, and all-wheel drive options, the model expanded the purpose of the 911, and the RS version remained the racing-focused version. The RS 3.8 was over 200 pounds lighter and had a more aggressive engine, making it the meanest Porsche to purchase at the time. Forty-five units were sold in the US under the “Carrera Cup US Edition.”

Sale Price $1,300,000. Monthly payment of $5,666 based on a loan amount of $650,395, 50% down, and 6.51% APR financing for 180 months.



1995 Porsche 911 Turbo GT2

Estimated Payment $4,795/month

With only 57 examples produced, the 911 GT2 was yet another impressive improvement over the previous generations. With an air-cooled engine making 430 horsepower via a six-speed manual transmission, this was the fastest model to date. Featuring weight savings items like the pull strap door handles, this vehicle prioritized performance and speed.

Sale Price $1,100,000. Monthly payment of $4,795 based on a loan amount of $550,395, 50% down, and 6.51% APR financing for 180 months.



1997 Porsche Turbo S (993)

Estimated Payment $1,781/month

Every part was designed from the ground up, and a mere 20% of its parts were carried over from previous generations. More importantly, it makes the very last year of the twin-turbo air-cooled engines. Porsche took the opportunity to make significant-tech and visual advances, including a new wishbone suspension that gave previous models oversteer. The Turbo S was manufactured by the Porsche Exclusive department. A power upgrade of 450 horsepower and many extras, including carbon fiber inserts in the interior, gave this vehicle impressive performance.

Sale Price $255,000. Monthly payment of $1,781 based on a loan amount of $204,395, 20% down, and 6.53% APR financing for 180 months.


2011 Porsche GT3 RS 4.0

Estimated Payment $2,338/month

Often called the ultimate RS, this collector vehicle was one of the last times Porsche used the legendary Mezger flat-six–a 500 horsepower naturally aspirated engine. Limited to 600 units, it was the leading track version and kept various weight-saving options that Porsche pioneered throughout the years. With most examples initially selling above $200,000, the value of these cars continues to climb, with some models selling for $750,000.

Sale Price $255,000. Monthly payment of $2,338 based on a loan amount of $268,395, 20% down, and 6.52% APR financing for 180 months.


2019 Porsche GT2 RS

Estimated Payment $3,836/month

Take everything Porsche learned about racing and performance in the past decades and narrow it down to one vehicle—here you have the GT2 RS. Blowing away auto enthusiasts and writers upon its entry in 2019, the GT2 RS became a favorite with its blistering speed, sensational steering, massive grip, and ultimate poise. It’s officially the fastest 911 with a 0-60 of 2.7 seconds, and its 700 horsepower is nearly 3x as powerful as the originals.

Sale Price $550,000. Monthly payment of $3,836 based on a loan amount of $440,395, 20% down, and 6.51% APR financing for 180 months.

With nearly 60 years of the 911, it’s no surprise the nameplate wins over more and more fans (and customers) every year. So which ones are your favorite? Let us know if there’s any we missed. Are you looking to take a 911 home? Let our quick quote help you determine the Woodside Low Monthly payment.


The Best Classic Cars for the Holidays

‘Tis the season for a new classic this holiday!  During the winter months, more and more capable classics are being purchased, ones that are not only reserved for the summer months. While 4-wheel drive vehicles were largely reserved for SUVs and off-roaders, there’s a variety of vehicles that are snow-ready. See our picks for the hottest classics this winter season.

1988 Land Rover Defender 90

land rover defender financing


World-renowned for off-road capability, the Land Rover Defender is a legendary British all-terrain vehicle. The original model was sold up until 1997 after which safety regulations prohibited its sale in North America. It has iconic off-road looks and is recognized worldwide. The 90 in the model’s name refers to the length of the vehicle and is the shorter 2-door option. With more demand than ever and high-end restorations can mean sales prices well into 6 figures. You can still pick up a nicely restored version under 100k, but chances are it’ll sell quickly.

Sale Price example: $80,000. Monthly payment of $822.03 based on a loan amount of $72,395, 10% down, and 6.62% APR financing for 120 months.

1990 Porsche 911 Carrera 4 Coupe AWD (964)

classic 911 financing


The 911 Carrera 4 was the first AWD coupe from Porsche and was hailed for its technologically advanced powertrain. Going from a rear-wheel-drive platform like the other 911s at the time offered even better handling and less slip for snowy conditions. Still iconic to this day, great performance and great handling make this vehicle very desirable. With prices surging over the past year, most good condition examples go well above $100k.

Sale Price example: $105,000. Monthly payment of $950.77 based on a loan amount of $94,895, 10% down, and 6.58% APR financing for 144 months.

1971 Ford Bronco

classic ford bronco financing


There’s been much buzz in the Bronco world with the latest 2022 Ford Bronco. It has resurrected brand have made the early generations of the Bronco are cooler than ever. With its convertible top, it’s built for iconic California holidays where beaches are more common than snow.  Also extremely capable, this vehicle does hold its own in cold weather climates. The first generation continues to be the most desirable albeit smaller than the generations that came after it. The Bronco remains one of the most iconic American SUVs.

Sale Price example: $50,000. Monthly payment of $515.45 based on a loan amount of $45,395, 10% down, and 6.70% APR financing for 120 months.

1990 Jeep Grand Wagoneer

Classic jeep grand wagoneer financing


Another American classic that has been remade recently is the Jeep Grand Wagoneer. With chrome finishes, wood grain on the doors, and an iconic leather interior, the Jeep Grand Wagoneer still shines today. It was an instant classic with luxury features and distinctive design becoming symbolic of the American dream.  It was the go-to vehicle for the suburbs and to shlep the family around safely during the winters. Although prices have climbed recently, there’s a burgeoning market for the Grand Wagoneer and many companies restoring them.

Sale Price example: $50,000. Monthly payment of $515.45 based on a loan amount of $45,395, 10% down, and 6.70% APR financing for 120 months.

1983 AMC Eagle

classic AM Eagle


Probably the most iconic off-roader, the Toyota Land Cruiser has been around since the 1950s. The 1980’s Land Cruiser grew much bigger, becoming full size and still packed amazing off-roading capability. Today, off-roaders still love the 60 series for its reliability and go-anywhere capability. If you’re going on a snowy off-road trail, this is the best. Pricing seems like a good value still, but many customized versions for off-roading can cost a pretty penny.

Sale Price example: $30,000. Monthly payment of $380.35  based on a loan amount of $27,395, 10% down, and 7.9% APR financing for 96 months.

1985 Ferrari 288 GTO


So, let’s be real, the Ferrari 288 GTO doesn’t necessarily do well in the snow, but it does everything else phenomenally. It’s one of the most desired Ferraris of all time and amongst the rarest. It was notably successful as a racing car homologated for GT sports car racing in the golden era. If you’re in the market for a high-value collectible, there’s nothing like having a red Ferrari in your driveway this holiday season.

Sale Price example: $1,600,000. Monthly payment of $6,972.30 based on a loan amount of $800,395, 50% down, and 6.51% APR financing for 180 months.

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Financing a Car at an Auction

With many sellers in one place, auctions can be home to a variety of vehicles making it an excellent place for buyers to find that special vehicle. Many people assume they cannot finance a car at an auction, but Woodside Credit has pioneered a decade-long relationship with Barrett-Jackson, the World’s Greatest Collector Car Auctions®. With four auctions every year, representing hundreds of millions of dollars in sales, Woodside Credit has the experience to get you to the bidding block to secure the collector car of your dreams. Thinking about financing a car at an auction? Keep these tips in mind:

Do your Due Diligence on the Classic Car Auction

Every auction has its own set of rules for participating, so ensure you know the rules and deadlines for participation. Barrett-Jackson makes it easy to understand bidding as well as financing with Woodside Credit. Always at or next to the Bidders’ Office, Woodside Credit is on-site and ready to assist with any purchases made from a borrower.

Determine the Potential Costs and What You Can Afford

Many times the cars up for auction will be listed online before the event. It is a great spot to pick your favorites and determine which vehicles interest you. Using industry tools like NADAguides or Woodside’s payment calculator will help you determine how much a vehicle could sell for, and how much it will cost you monthly. Do your homework in determining how much you can afford and ensure your next classic or collector car fits within that budget.

Get Pre-Approved Before the Auction

A pre-approval allows you to go to an auction and confidently bid on a vehicle up to a specified amount. If attending Barrett-Jackson, Woodside Credit can provide pre-approvals over the phone or online. You select the amount of the pre-approval, allowing the flexibility to bid up to that amount–regardless of whether you bid in person, over the phone, or online.

Be Timely with Loan Documents

After your purchase, Woodside gets to work to generate your loan documents, which can be signed electronically or in person at Barrett-Jackson.

With our auction expertise through Barrett-Jackson, let us help you bid on your dream car. We are happy to serve you at Barrett-Jackson’s Las Vegas Auction. Get pre-approved before the auction.

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With a more competitive market than ever, use these tips to help find your next ride.

We’re familiar with the used car market—since March 2020, used car prices are up nearly 40%. This increase not only affects daily driver vehicles but also classic and exotics. With demand continuing to soar as well, it is no secret finding another dream vehicle (at a dream price) takes more time than ever.

What is a good place to find older cars for sale?

  • Dealerships – Article headlines have told us dealership lots are empty, but dealerships still have an inventory (and often have new inventory arriving every week)—even if vehicles are staying on lots for much shorter periods of time. Stay on top of new inventory at dealers by learning how dealerships promote new inventory–and build relationships with dealer representatives that can keep you up to date. Dealerships like EuroCar have a VIP List, which is an email alerting you about new vehicles in inventory. Look for other email lists you can subscribe to, ensuring the latest vehicles show up in your inbox.
  • Private Party – Private party sales continue to be a great place to find deals on used rides. Although many community bulletin boards no longer have vehicles for sale (or no longer exist), online is the place to look. Facebook marketplace and craigslist are chock full of both fully restored classics and scrappy classics needing some love. Other classified sites and resources local to your area may also be available to find unique rides.
  • Auctions – Auctions like Barrett-Jackson are the center of collector car culture. Barrett-Jackson’s largest auction is happening in Scottsdale on January 22-30th 2022. With hundreds of the most desirable classics, you can see the select preview on their website. If you do plan on bidding at Barrett-Jackson, learn about getting pre-approved with Woodside Credit.
  • Publications and Auto Networks – From Hemmings to Autotrader Classics, some of the most incredible used cars can be found through these sites. Many dealers advertise across these types of platforms, making it a great place to search a wide selection of vehicles all at once. These sites also have tools to receive alerts when a particular classic becomes available for sale.

No matter where you buy, buy with Woodside Credit. Our loan programs are purpose-built with the collector in mind. Whether you buy at a dealership or private party, auction or publication, put the lowest monthly payments in America work for you. Contact us today.


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The Most Iconic Cadillacs from Every Decade

Cadillac is synonymous with American luxury. For the past 100 years, the automaker has built a reputation for big, beautiful vehicles with iconic designs. With major success and some setbacks over the decades, here are some of the vehicles that defined the brand.

1930s cadillac v16

1930 Cadillac V16

Estimated Monthly Payment: $2,268.32

Launched for the 1930 model year and the first V16 powered car on the market, the Cadillac turned heads with its innovation and looks. Cadillac was synonymous with refinement, expense, and exclusivity. Just over 4000 were produced during its 11-year run, with most built before the great depression took a stronghold. With the onset of WWII later in the decade, the Cadillac V16 experienced a slow demise before being replaced.

Sale Price example: $325,000. Monthly payment of $2,268.32 based on a loan amount of $260,395, 20% down, and 6.52% APR financing for 180 months.

1948 Cadillac Series 62 Coupe

1948 Cadillac Series 62 Coupe

Estimated Monthly Payment: $985.03

The first new postwar Cadillacs arrived in 1948, ushering in new designs and tailfins inspired by fighter planes. Selling over 34,000 units its first year, it made up most of the sales at the time. A sedan and convertible coupe were also available with prices starting below $3,000. Today, it’ll cost a bit more to drive this iconic piece of postwar history.

Sale Price example: $95,950. Monthly payment of $985.03 based on a loan amount of $86,750, 10% down, and 6.60% APR financing for 120 months.

59 Cadillac Coupe De Ville

1959 Cadillac Coupe De Ville

Estimated Monthly Payment: $801.54

With bullet taillights, wings bigger than ever, and jewel-like grille patterns giving Cadillac a new design direction. A big V8 under the hood made 325 horsepower. The Coupe De Ville of this generation was the hallmark of refinement and design. With over 53,000 De Villes sold in the first year, it was another successful vehicle, accounting for 37% of all Cadillacs sold.

Sale Price example: $77,995. Monthly payment of $801.54 based on a loan amount of $70,590.50, 10% down, and 6.63% APR financing for 120 months

1967 cadillac Eldorado

1967 Cadillac Eldorado

Estimated Monthly Payment: $368.88

With a radical redesign in 1967, the El Dorado ushered in a new look to the 8th generation vehicle. The design was a great departure with crisp styling and more angular, which was well received. Handling and drivability were great for the time, which made it easy for the company to fetch top dollar and increase sales over the previous generation.

Sale Price example: $29,900. Monthly payment of $368.88 based on a loan amount of $27,305, 10% down, and 7.15% APR financing for 96 months.

1979 Cadillac Fleetwood Brougham

1979 Cadillac Fleetwood Brougham

Estimated Monthly Payment: N/A

Manufactured by Cadillac through 1986, the vehicle was the most expensive and the highest level of luxury. The Broughham designation was used to describe the best vehicles Cadillac made, even though weight savings and efficiency took a priority in this design of the vehicle. Although this model was a transition out of the golden years of the company, this was the last remaining vehicle that defined the postwar decades of Cadillac.

1987 Cadillac Allante

1987 Cadillac Allante

Estimated Monthly Payment: N/A

The 80s and 90s were tough years for many carmakers—including Cadillac. The company went in new directions with the hopes of attracting new buyers. The Allante had a body made in Italy by coachbuilder Pininfarina. Completed bodies were flown to Detroit for final assembly where Cadillac supplied the chassis and running gear. The vehicle helped Cadillac maintain a position in the luxury car market. Today there’s still a small following for vehicle largely due to the build from iconic coachbuilder Pininfarina.

1999 Cadillac Escalade

Estimated Monthly Payment: N/A

We view the Escalade today as a halo vehicle from Cadillac and it all started with a rebadged GMC Yukon in 1999. Lincoln at the time had just come out with the successful Navigator, which left Cadillac in a pinch. It sold over 50,000 units in its first generation and was later replaced with an even better model in 2002. A welcomed success after struggles in the 80s and 90s.

2004 cadillac xlr

2004 Cadillac XLR

Estimated Monthly Payment: $550.79

The Cadillac XLR was the excitement the company needed to bring back the competitiveness of the brand. With adaptive suspension, retractable hardtop, adaptive cruise control, and touch screen navigation, it was filled with features and technology. The total package made it nominated for North American Car of the Year in 2004. This vehicle marked a shift in the focus of the brand, and you can drive one home for a relatively great price.

Sale Price example: $47,500. Monthly payment of $550.79 based on a loan amount of $40,770, 15% down, and 7.02% APR financing for 96 months

cts-v wagon

2011 CTS-V Wagon

Estimated Monthly Payment: N/A

The hatchback or station wagon version of the CTS-V was launched in 2010 as a 2011 model year. Based on its sedan sibling, it was fitted with a V8 from the corvette at the time. This was the enthusiast choice from the Cadillac brand largely due to its performance, design, and package. With many fans still around today, the value of the wagon holds strong over the sedan.

ct5-v blackwing

2022 CT5-V Blackwing

Estimated Monthly Payment: N/A

With 650 horsepower and manual transmission, the CTS-V blackwing may be one of the last of its kind before the auto industry races to EVs. It promised a track-ready sports sedan with its supercharged v6. Designed to take on the likes of Mercedes AMG and BMW M product line, the vehicle was an exciting hit when it was announced at the beginning of 2020.

No matter where you buy, buy with Woodside Credit. Our loan programs are purpose-built with the collector in mind. Whether you buy at a dealership or private party, auction or publication, put the lowest monthly payments in America work for you. Contact us today.


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