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Need some quick answers on collector car loans? You found an excellent place to start. Give us a call at (800) 717-5180 to answer questions beyond.

Classic Car Finance FAQs

About Woodside Credit

Woodside Credit is the leading lender focused on collector autos. From classic to pre-war, muscle to exotic, and antique to pony, Woodside Credit has the lending program built with the enthusiast in mind. With over $3 billion in loans, 30,000+ satisfied customers and 20 years in business, the company’s expertise is rooted in providing loans with the lowest monthly payments in America.

No, Woodside Credit is a lender. Woodside Credit underwrites, approves, and funds loans with its capital. Credit bureaus are pulled once—not multiple times. Borrowers have a dedicated loan specialist backed by a support team during the process. 

Yes. For over a decade, Barrett-Jackson, has exclusively endorsed Woodside Credit. Woodside Credit is the only lender at Barrett- Jackson’s Scottsdale, Palm Beach, New Orleans, and Las Vegas auctions. Woodside Credit is the number one way to get onto the bidding block, and pre-approvals are recommended prior to the auction.

Applying for Credit

A Quick Quote will estimate Woodside Credit’s low monthly payment based on the purchase price of the vehicle. Credit is not reviewed, and no credit check is required (approval is not guaranteed). Apply Now will start a credit application with our underwriting department, and upon approval locks in your low monthly payment for up to 30 days.

With a commonsense approach to underwriting, Woodside looks at a client’s credit application to provide competitive down payments and low monthly payments. Woodside Credit looks for good credit history, established credit history, and comparable credit.  Review our lending guidelines, video for further details.

Lending Program

Eligible vehicles include classic cars at least 25 years old and most late model exotics cars. We also finance specialty and collector vehicles such as Cobra Replicas, Dodge Vipers, Chevrolet Corvettes, and Porsche 911s. Contact us for more information on vehicles we finance, or view the vehicles financed page

A combination of the lowest payments in America and flexibility to pay off the loan on your schedule (without prepayment penalties) means interest costs can be less than you expect. Loans are simple interest and provide the best of both worlds–competitive rates with the flexibility to use your cash for other financial goals.

Yes. Woodside Credit will refinance an existing car loan or a cash purchase that has been made within the last 6 months.

Sometimes vehicle verifications or appraisals are required for our underwriting purposes, most commonly for private party automobile purchases. Woodside Credit takes a high-tech approach for quick processing, including virtual inspections via a phone app. Your dedicated loan officer will guide you through specific needs based on where the purchase takes place and the value of the vehicle.

Yes. Woodside Credit does offer lease buyouts, especially common for those with exotic vehicles. Call or contact us to lean more from our lending professionals.

No. Woodside Credit is a nationwide auto lender with relationships with thousands of dealerships, Barrett-Jackson Auctions, and private parties. Ask your dealer if Woodside is an option when financing your next exotic or collector car. Pre-approvals can be obtained for all future purchases, regardless of where you buy.

Yes. Vehicles must be in operational order. 

Woodside Credit is only available in the U.S. 

The Woodside loan program offers terms of up to 180 months for vehicles with a selling price of over $200,000. 

Woodside Credit considers vehicles 25 years or older as a classic car. 

Title, Registration, and Insurance

Yes. Insurance is required on the vehicle for its full replacement value. Borrowers will need to provide an insurance binder with Woodside listed as loss payee before funding the loan. Woodside Credit partners with Hagerty, the largest provider of specialty insurance for collectible vehicles, for those looking for competitive insurance rates.

Yes. Borrowers are required to register and title the car once it is purchased. Title and registration fees are typically built into the loan. The title department at Woodside Credit coordinates with all state DMVs to complete title work—even if the vehicle is purchased out of state. 

Closing Your Loan

Instructions for sending payments are provided when the loan is closed.

Yes. Additional payments can be made on your loan. Anything over the minimum payment is applied directly to the principle.

Yes. Borrowers receive autopay (ACH) instructions after loan documents are completed. 


Bidding with Woodside Credit starts with a pre-approval, which can be obtained over the phone, on our online application, or at the auction. You will select the amount you would like to be pre-approved to and Woodside will send a copy of your pre-approval directly to Barrett-Jackson. The final vehicle purchase should fall within the pre-approval amount.

Your letter of credit approval will be sent directly to Barrett-Jackson. The copy you receive is for your personal records.

No, absentee and online bidding is available, and you can bid with your pre-approval from Woodside Credit.

Woodside Credit is located near or at the Bidder’s office at all Barrett-Jackson auctions. Bidders can complete paperwork at the Woodside booth, or online through eSign.

Yes, a pre-approval is required every time in addition to bidder registration with Barrett-Jackson.

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