Specialist finance for vehicles over $100,000. Prestige imports, supercars, classic cars, and limited editions. Competitive rates with lenders who understand premium assets.
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Most Australian banks cap car loans at $150,000-$250,000. If you're buying a $300,000 Porsche 911 Turbo S or a $650,000 Ferrari F8 Tributo, you need specialist lenders who operate in the prestige vehicle market.
High-value vehicle finance (vehicles priced above $100,000) requires lenders who understand that prestige cars aren't risky — they're purchased by sophisticated buyers with strong financial profiles, and they often hold value better than mainstream vehicles. A three-year-old Porsche 911 retains 65-70% of its value. A three-year-old Camry retains around 55%. Yet mainstream banks treat the Porsche as "high risk luxury" and charge premium rates (if they approve at all).
Specialist prestige lenders assess risk accurately. They recognise that a surgeon financing a $280,000 AMG GT is a lower credit risk than someone financing a $30,000 used sedan with marginal credit. They understand limited-edition models appreciate (Porsche GT3 RS values increase 10-20% after purchase), classic cars are investment assets (1990s Ferrari F355 values doubled in 5 years), and grey imports from Japan/Europe require different risk models than local dealer stock.
Kreddi works with private banks, exotic car specialists, and prestige lenders across Australia. Our panel includes lenders who exclusively finance high-value vehicles ($100k-$2M+), understand classic car markets, approve grey imports with compliance documentation, and offer relationship banking for ultra-high-net-worth clients. Whether you're buying a $120,000 Range Rover Autobiography from a dealer or a $450,000 Lamborghini Huracán Performante privately, we'll match you with the right specialist lender.
Interest rates for high-value vehicles often BEAT mainstream car loan rates. Prestige buyers with strong credit and assets routinely secure 5-6.5% p.a. on $200k-$500k loans, compared to 7-10% p.a. on mainstream used car finance. The key is using lenders who specialise in your vehicle category and understand your financial position.
From German performance to Italian exotics and appreciating classics.
Porsche 911 Turbo/GT, BMW M5/M8, AMG GT/S63, Audi RS6/RS7
$150k-$500k
Ferrari (488, F8, 296), Lamborghini (Huracán, Urus), Maserati MC20
$400k-$900k
Bentley Continental GT, Rolls-Royce Ghost, Aston Martin DB11/DBS
$400k-$700k
Porsche Taycan Turbo S, Tesla Model S Plaid, Lucid Air Sapphire
$150k-$400k
Lamborghini Urus, Bentayga, Range Rover Autobiography, G-Wagon AMG
$200k-$450k
Porsche 964/993 Turbo, Ferrari F40/F50, classic Mercedes SL
$200k-$2M+
Access to Australia's leading high-value vehicle lenders.
High-value vehicles from prestige brands often attract better rates than mainstream cars due to strong resale values and sophisticated buyer profiles.
Specialist lenders approve high-value loans well beyond mainstream bank limits. Private banks finance ultra-prestige vehicles up to $2M+.
Finance appreciating assets like classic Porsche 911s, Ferrari F40s, and limited-edition models. Specialist valuations and unique lending criteria.
Prestige car deals move quickly. 24-48 hour approvals with specialist lenders who understand the high-value vehicle market.
Finance rare imports, grey import vehicles, and overseas purchases. Compliance costs can be included in the loan amount.
Structure 20-50% residual payments to minimise monthly repayments and preserve capital for investments.
Specialist rates from 5% p.a. Loans up to $1M+. Apply in 5 minutes.
Different lender types for different vehicle categories and buyer profiles.
Purchased from authorized Porsche Centre Melbourne
High-value vehicle finance typically applies to vehicles priced above $100,000. This includes prestige European brands (Porsche, BMW M, Mercedes AMG, Audi RS), exotic supercars (Ferrari, Lamborghini, McLaren), British luxury marques (Bentley, Rolls-Royce, Aston Martin), high-end electric vehicles (Porsche Taycan Turbo S, Lucid Air), and collectible classics. These vehicles require specialist lenders because they exceed standard bank lending limits ($150k-$250k), have unique depreciation profiles, and attract buyers with sophisticated financial profiles. Specialist lenders understand that a $300,000 Porsche 911 Turbo S is a lower credit risk than 20 used Camrys totalling the same amount.
High-value vehicle finance rates typically range from 5% to 9% p.a. depending on loan amount, vehicle type, deposit size, and your financial profile. New prestige vehicles from established brands (Porsche, BMW, Mercedes) often qualify for premium rates from 5-6.5% p.a. because they hold value well. Exotic supercars (Ferrari, Lamborghini) attract higher rates (7-9% p.a.) due to smaller market, higher depreciation risk, and specialist insurance requirements. Classic and collectible vehicles that are appreciating assets may qualify for rates from 6.5% p.a. with specialist classic car lenders. Interestingly, high-value buyers with strong asset positions often secure BETTER rates than mainstream car buyers because lenders view them as lower default risk.
Yes, specialist lenders finance classic and collectible vehicles that are appreciating assets or holding strong value. Examples include air-cooled Porsche 911s (964/993 Turbo), classic Ferraris (F40, Testarossa, 550 Maranello), limited-edition models (Porsche GT3 RS, Ferrari Scuderia), and vintage Mercedes SL models. The vehicle typically needs specialist valuation, documented provenance, and regular maintenance records. Lenders assess market trends — a 1995 Porsche 993 Turbo worth $350,000 today (bought for $200k three years ago) demonstrates appreciation, making it attractive to finance. Loan amounts typically require 30-40% deposits, rates from 6.5% p.a., and terms up to 7 years. Some lenders specialise exclusively in collectible vehicle finance.
Deposit requirements for high-value vehicles typically range from 20-40% depending on vehicle type and loan amount. New prestige vehicles from authorized dealers (Porsche, BMW M, Mercedes AMG) usually require 20-30% deposits. Exotic supercars (Ferrari, Lamborghini, McLaren) typically need 30-40% deposits due to smaller resale market and higher risk. Ultra-high-value vehicles ($500k+) financed through private banks may require 30-50% deposits. Classic and collectible cars usually need 30-40% deposits plus specialist valuations. If you have exceptional credit, substantial assets (property equity, investment portfolio), or existing relationship banking, some lenders reduce deposit requirements. Trade-in equity from an existing prestige vehicle counts toward your deposit.
Yes, specialist lenders finance grey import vehicles and rare overseas purchases, but there are additional requirements. Grey imports (vehicles imported outside official channels, common for JDM cars, US-spec Mustangs, European-spec Porsches) need full compliance certification, registration approval, and comprehensive insurance confirmation before settlement. The loan can include import costs, compliance expenses, and shipping if documented. You typically need 30-40% deposits for grey imports due to resale uncertainty. Some lenders require independent valuation from a prestige car specialist. Popular grey import categories we finance include Japanese performance cars (Nissan GT-R, Toyota GR Yaris), US muscle (Corvette Z06, Shelby GT500), and European-spec limited editions unavailable in Australia.
Balloon (residual) payments are extremely popular for high-value vehicles because they significantly reduce monthly repayments while preserving capital. For example, a $400,000 loan over 5 years with a 40% balloon ($160,000) might save $2,500-3,500 per month compared to a standard loan. This makes sense if you: (1) upgrade vehicles regularly (trade every 3-5 years), (2) want to maintain cash flow for business or investments, (3) plan to refinance the balloon when it's due, or (4) expect the vehicle to hold value strongly (classic Porsches, limited-edition Ferraris). The risk is you owe a large lump sum at loan end — you must refinance, pay cash, or sell the vehicle. For vehicles you plan to keep long-term (10+ years), a standard loan usually costs less overall.
Mainstream specialist lenders typically approve high-value car loans from $100,000 to $500,000. Private banks and ultra-high-net-worth lenders approve loans from $500,000 to $2 million+ for clients with substantial assets and income. Your maximum loan amount depends on your income (lenders prefer repayments under 30% of gross income), assets (property equity, investment portfolio, savings), existing debts, and overall financial position. For $1M+ vehicles, expect relationship banking requirements, detailed wealth verification (tax returns, asset statements, trust deeds if applicable), and potentially personal guarantees. Many high-value buyers structure loans around existing asset portfolios rather than just income.
Surprisingly, yes — prestige vehicles from established brands often qualify for BETTER rates than mainstream cars. A $200,000 Porsche 911 might get 5.5% p.a. while a $40,000 used Toyota attracts 8-9% p.a. Why? Prestige vehicle buyers typically have: (1) stronger credit scores (700+), (2) higher incomes and assets, (3) lower default rates historically, (4) vehicles that hold value better (3-year-old Porsche retains 65-70% value vs 55% for mainstream brands). Specialist prestige lenders price risk accurately — they'd rather lend $300k to a surgeon buying a Bentley than $30k to a casual worker buying a 10-year-old Commodore. However, exotic supercars (Ferrari, Lamborghini) and grey imports pay premium rates (7-10% p.a.) due to specialist market risk.
Specialist rates from 5% p.a. Loans up to $1M+. Classic and exotic cars welcome.