Third Party Financing
For clients with good credit and good credit history (Or apply with a co-signer) we recommend financing through a third party lender. Third party classic car lenders can provide clients with loans up to 60 months in some cases at different APR’s depending on credit. Here we have provided a few links to J.J. Best Banc & Co., LightStream, and USAA. If you are interested in financing with these lenders please contact us first about the vehicle you are applying for.
J.J. Best Banc & Co has requirements of at least a 650 credit score, good credit history, minimum of 10% down payment, with terms up to 7 years.
“At J.J. Best Banc & Co., we have been in the classic car financing industry for decades, and over the years we have come to realize that people love classic cars for a variety of reasons. Whether you love the look of the exterior, interior, or are drawn to the performance aspects of a car, one thing remains constant: cars create memories for their owners and this is the real reason you are looking for classic car financing. So when you are looking for a reliable, solid relationship for your classic car financing needs, put your trust in the loans from the experts who know classic cars best.”
LightStream is more suitable for clients with excellent credit (700+) and excellent credit history. If you have a very good credit history and credit score, we suggest applying with LightStream.
- An Unbeatable Rate: Borrowers with good to excellent credit deserve competitive interest rates. LightStream offers low, fixed rates starting at just 2.19%* APR with AutoPay on loan amounts ranging from $5,000 to $100,000.
- No Restrictions:You can use your LightStream loan to finance any classic car, from any seller, regardless of make, model, year, mileage and loan-to-value.
- Simple Either Way — Unsecured or Secured: When you have excellent credit, you have earned the right to borrow without having to have a lien on your vehicle. For those with good credit, LightStream may offer you a secured auto loan. Either loan solution, you’ll have a simple, streamlined loan process from start to finish, and exceptional customer service.
- Your Best Loan Experience Ever. Guaranteed:
Our online loan application takes minutes, and you’ll hear back from us within minutes (during business hours). Approved applicants can often have money deposited into their bank accounts the same day they apply for the loan.† It’s a unique experience, backed by our exclusive $100 Loan Experience Guarantee.
BBVA BANK has requirements of at least a 650 credit score, good credit history, down payment requirements vary with credit, with terms up to 72 months. with APR rates starting at just 3%
Existing accounts are not required but they are preferred
“Buy new or used—you’ll get the same competitive rate. Flexible terms and no prepayment penalties make paying off your car faster and easier than ever. Apply for a car loan today and enjoy the benefits of financing through BBVA.
- Competitive fixed auto loan rates
- Rate discount with set up of recurring auto-debit loan payments
- No documentation fees
- Same-day decisions on most applications
- Free online insurance quotes “
CONTACT : (936) -295-5439 and ask to speak with Sergio today to get your process started.
Shinku Classics LLC is proud to offer in-house financing for Texas residents. We understand that not everyone can get approved for third party financing. If this is the case then financing in-house with Shinku Classics LLC is a great option for you. The terms are simple;
- Additional 10% added to ‘Offered Price”
- Minimum 30% down payment
- Financing up to 24 months
- Fixed 22% APR