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People Driven Credit Union

Exotic Car Loans

If you ain't first, you're last

Who wants to go fast?

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You’ve worked hard. If your idea of “treat yourself” involves a roaring engine, sculpted body lines, and a car that turns heads at every stoplight, an Exotic Car Loan can help make it happen without wrecking your financial plan.

At People Driven Credit Union, we combine personal service with innovative financing options designed for high-value, specialty vehicles. Bring home the car you’ve always wanted with flexible financing built for high-performance vehicles.

Membership and eligibility requirements apply, with approval subject to application, credit, and vehicle considerations. Loan approval depends on creditworthiness, vehicle appraisal, and individual eligibility.

Loan Rate Discount¹

Exotic Car Auto Loan Rates as Low As

7.44%¹ APR*

¹Take advantage of a 0.25% discount when you enroll in autopay, already factored into the “as low as” rate. This discount applies to those who set up automatic payments from a People Driven Credit Union checking or savings account.

8.60%

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What Is an Exotic Car Loan?

An Exotic Car Loan is a specialized auto loan created for high-end, collectible, or performance vehicles that don’t always fit traditional auto loan guidelines.

This may include:

  • Luxury and supercars (Ferrari, Lamborghini, McLaren, etc.)
  • High-performance models and limited editions
  • Certain classic or collectible vehicles
  • Specialty vehicles with higher price tags or unique features

Because these vehicles are unique, they often require more customized loan terms and a closer look at value, condition, and usage. That’s where our experienced lending team comes in.

Why Finance Your Exotic Car with People Driven Credit Union?

Local decisions. Real people.
You’re not just a number in a system. Our lending decisions are made by people who live and work in the same communities you do.

Financing tailored to specialty vehicles
Exotic cars don’t fit a one-size-fits-all box. We look at the specific vehicle, how you plan to use it, and your overall financial picture to help structure a loan that makes sense.

Competitive rates and terms
We’ll work with you to explore repayment terms that fit your budget and long-term financial goals.

Support beyond the loan
From insurance considerations to payment options and protection products, our team can walk through the details with you so your exotic car fits comfortably into your larger financial life.

Is an Exotic Car Loan Right for You?

An Exotic Car Loan may be a good fit if:

You’re purchasing a high-value or specialty vehicle that doesn’t qualify under standard auto loan guidelines.

You plan to keep the vehicle for the long term, not just flip it in a few months.

You have a strong credit and income profile and want a payment structure that fits your financial plan.

You want a relationship lender you can call when you have questions, not just an app and a chatbot.

If that sounds like you, we’re ready to talk.

How an Exotic Car Loan Works

1. Start the conversation
Connect with a loan specialist to discuss the vehicle you’re considering, your budget, and your timeline. We’ll review your goals and walk through options.

2. Get pre-qualified (optional but recommended)
Pre-qualification can help you shop with confidence and understand a comfortable price range before you sign anything with a dealer or seller.

3. Choose your vehicle
Once you’ve found the right car, we’ll review the purchase agreement and vehicle details (year, make, model, mileage, condition, and any supporting valuation information).

4. Finalize your loan
We’ll confirm your rate, term options, and monthly payment, then guide you through the closing process and funding the purchase.

5. Enjoy the drive
You get the keys. We’re here to support you with convenient payment options and ongoing assistance.

Ready to talk about financing your exotic car?

Whether you’re seriously shopping or just kicking the tires on the idea, we’re here to help you run the numbers and explore options.

Apply Online – Start your Exotic Car Loan application in just a few minutes.

Speak with a Loan Specialist: Do you have questions about eligibility, vehicle types, or the next steps? We’re happy to walk you through it. Call 248-263-4100 or complete the form below.

Name
Best time to contact
Preferred contact method
Are you a current PDCU member?
Timing

Heads up: Don’t include account numbers or full SSNs in this form.

(free text)
Consent
Disclosure

 

Exotic Car Loan Rates

For cars 26 Years or older. Must have appraisal by licensed appraiser.

Term

(Months)

≤36

37-48

49-60

61-72

APR*

as low as¹

 7.44% 8.60% 8.60% 9.00%

Rates Effective as of:

8.60%

 

Calculate Your Monthly Exotic Car Auto Loan Payment

Frequently Asked Questions

That part’s easy. You can apply online, give us a call, or visit a branch to connect with a loan specialist. We’ll answer your questions, review your options, and help you decide whether an Exotic Car Loan is a good fit.
In some cases, yes. If you already own an exotic car and want to explore refinancing—whether to lower your payment or adjust your term—reach out to us. We’ll review your current loan and the vehicle details to see if we can help.
Down payment requirements can depend on the vehicle, the purchase price, and your overall financial situation. A larger down payment can sometimes improve your approval chances or lower your monthly payment. We’ll look at your full picture and discuss what makes sense for your situation.
Available terms can vary based on the vehicle, loan amount, and your credit profile. Longer terms may offer a lower monthly payment, while shorter terms may help you pay less in total interest. We’ll review options with you so you can choose a term that fits your goals.
We may be able to finance exotic vehicles purchased from either reputable dealers or private sellers, depending on the situation. The documentation required can differ, so it’s best to contact us before you sign anything so we can walk you through what’s needed.
In many cases, yes. Pre-owned exotic vehicles are often eligible, but condition, mileage, age, and value all matter. We may request additional documentation, inspections, or valuation information to confirm eligibility.
Exotic cars generally include high-end, specialty, performance, or collectible vehicles that fall outside typical mass-market models. This may include supercars, rare or limited-edition sports cars, certain luxury models, and some classic or specialty vehicles. If you’re not sure whether your dream car qualifies, ask us—we’ll review it with you.

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Disclosures

*APR = Annual Percentage Rate: The actual APR and loan term is subject to approval and may be determined upon the borrower’s creditworthiness, the amount borrowed, and the type, value, age, and condition of the collateral offered to secure the loan (when applicable). Rates are effective as of today and are subject to change.

8.60%

¹Special Loan Rate Discount: Benefit from a .25% reduction when enrolling in our autopay service, which is included in the “as low as” rate advertised. The discount is available to those who setup autopay of their monthly loan payment from a People Driven Credit Union checking or savings account.

E H L. NMLS #776727. Federally insured by the NCUA. Equal Housing Lender. Membership and eligible vehicle requirements apply. Loan is subject to credit approval and appraisal.

Membership Requirement:

All accounts and loans require membership at People Driven Credit Union. Membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members. To complete an application for any account or loan, you will need the following information:
  • A valid Driver's License, State ID, or Passport with your current address
  • Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.

Risks & Requirements

  • Collateral Risk: Because this loan is secured by your vehicle, repossession may occur if payments are missed.
  • Loan-to-Value: Maximum financing is generally limited to 100% of the appraised vehicle value, depending on underwriting guidelines.
  • Credit and Eligibility: Loan terms and approval are subject to credit review, appraisal, and membership requirements.