The collector-car market already treats your Ferrari, Lamborghini, Porsche, or hypercar as a liquid, tradable asset. LQD turns that value into cash without a sale. AI-powered underwriting delivers indicative terms within hours, funding follows in 24 to 72 hours of approval, and the car stays in your name with no credit check and no income verification.
Exotic cars, hypercars, and serious collector vehicles trade like commodities at the top of the market. Limited-production Ferrari, Lamborghini, McLaren, Bugatti, and Porsche models are tracked minute by minute by specialist dealers, auction houses, and private buyers, and specific examples change hands across deep, well-documented secondary markets. That constant trading is exactly what makes them powerful collateral: each car carries a market value you can pin down against real, recent sales. It is worth grasping the fundamentals of asset-backed lending before you prepare a submission.
The catch is that all of that value normally sits locked in the garage. When a business deal, a real estate closing, or a tax bill lands, selling a car you care about is a heavy way to raise cash, and a rushed listing often clears well under what a patient sale would fetch. Borrowing against the car instead lets you tap the value now and keep the machine.
LQD exists to move quickly on qualifying high-value vehicles so owners never have to liquidate at the wrong moment. Every car is reviewed on its own, and preliminary terms are built around its specific merits, the state of the market at the time of review, and how much capital you want to unlock.
It is built to be discreet and fast. No income verification. No tax returns. No public listing. The car, its verified value, and a structure that fits your situation are what drive the decision, and because title stays in your name you keep any future upside. AI-powered underwriting returns indicative terms within hours, and approved deals typically fund within 24 to 72 hours, subject to verification, documentation, and closing requirements.
LQD works across a broad spread of high-value vehicle categories. The examples below are illustrative rather than exhaustive, and every car is assessed on its own merits and market liquidity.
Ferrari (488, F8 Tributo, SF90, Roma, F12berlinetta, LaFerrari), Lamborghini (Huracán EVO, Urus Performante, Aventador Ultimae), McLaren (720S, Artura, Senna, P1), Bugatti, Pagani, and Koenigsegg all trade briskly, and we weigh production numbers, live auction demand, and verified condition documentation to size the advance.
Air-cooled Porsche 911s (964, 993, 930 Turbo, 356), pre-merger BMW M cars (E30 M3, E34 M5), numbers-matching American muscle, vintage European sports cars with documented provenance, and pre-war automobiles with a verified ownership trail are valued against auction records and current collector-market comparables.
Rolls-Royce (Ghost, Phantom, Cullinan, Spectre), Bentley (Continental GT Speed, Flying Spur, Bentayga EWB), Maybach S-Class, and bespoke coachbuilt cars from limited-run programs all qualify. Lightly used examples in excellent shape with complete service records support the strongest advances.
Factory-special editions with documented build numbers, Ferrari Aperta models, Lamborghini SC-suffix cars, McLaren Ultimate Series, and Porsche Sport Classic and GT3 RS produce the deepest, most liquid secondary-market data, which usually translates into the most favorable terms.
Factory racing variants, GT3 homologation cars, and track machines from marquee manufacturers with documented history, safety certifications, and a clean ownership chain all qualify. Race-prepared cars call for extra documentation on modifications and current mechanical condition so the valuation holds up.
Pre-1990 cars from historically important marques, Mercedes-Benz 300SL Gullwings, early Porsche 356 variants, concours-level classics, and verified muscle cars all qualify. Third-party authentication (CARFAX, Marti Reports, factory certificates) firms up the valuation and speeds the whole process along.
Ferrari qualifies readily because the marque trades constantly across auction rooms and specialist dealers. Modern halo and limited-series cars like the LaFerrari and Aperta, plus well-documented classic V12 berlinettas, carry the cleanest comparables, so valuation moves fast. We weigh the exact model, mileage, originality, service history, and matching-numbers status, and Ferrari Classiche certification only helps. Title, ownership, LQD's valuation, and underwriting apply, and eligibility and terms are not guaranteed.
Lamborghini works well, with the sharpest interest in flagship V12s and limited runs, from the Countach and Diablo to the Aventador Ultimae and special SC-suffix cars, plus select V10 models. Build numbers, factory specification, mileage, and condition steer the assessment, and a complete service history strengthens the case. Every car is verified against current comparables in underwriting. Not every model makes the cut, and eligibility and terms are not guaranteed.
Porsche enjoys one of the deepest, most liquid collector followings anywhere. Select 911 GT and special-series cars such as the GT3 RS and Sport Classic, and air-cooled classics like the 964, 993, and early 356, trade in well-documented markets that make them ideal collateral. Originality, matching numbers, mileage, and a documented service history all count, and factory build paperwork helps. Ownership checks, valuation, and underwriting all apply, and eligibility and terms are not guaranteed.
McLaren fits best when the car is limited-production or track-focused, including Ultimate Series machines like the P1 and Senna alongside select road models. Carbon-tub condition, mileage, service records, and originality anchor the review, and factory documentation backs the valuation. Purpose-built competition cars may instead be weighed as race car collateral. Each car is verified against current comparables, and eligibility and terms are not guaranteed.
Ultra-luxury and grand-touring marques qualify wherever the specific model and configuration carry verifiable demand. Coachbuilt and bespoke Rolls-Royce commissions, limited Bentley editions, and significant Aston Martins, from classic DB-series cars to limited modern releases, are valued on originality, factory specification, mileage, and documented condition. Strong provenance and a full service history sharpen the result, while ownership verification, LQD's valuation, and underwriting run throughout. Eligibility and terms are not guaranteed.
Classic and collector cars qualify on the strength of documented provenance and originality. Matching-numbers drivetrains, correct factory specification, restoration or preservation records, and third-party certification shape how a car is benchmarked against live auction and dealer results. Older, rarer cars can take more careful verification, and LQD's valuation applies to every submission. Whether a given car qualifies comes down to the individual example, and eligibility and terms are not guaranteed.
Several cars can be reviewed together, which broadens the base for a single facility and can unlock more capital at once. Each car is verified and valued on its own before the collection is weighed as a whole, with demand for each model considered separately. Ownership verification and underwriting cover the full group. To put a collection in front of us, you can begin a confidential submission. Bundling cars does not guarantee a larger facility, and eligibility and terms are not guaranteed.
Ordinary auto lenders lean on NADA or KBB guides. LQD prices exotic and collector cars the way the market actually does, using AI-powered underwriting that reads live auction results, private dealer data, specialist appraisals, and documented comparable sales. A 2019 Porsche 911 GT3 RS is a different animal from a 2019 Porsche Macan, and our method reflects the real collector marketplace rather than a book value.
Mileage & Usage: A lower odometer generally supports a stronger position, especially on exotic sports cars where miles move secondary-market demand. In certain collector categories, such as air-cooled 911s and vintage American muscle, mechanical integrity and a documented service history can offset higher mileage when a specialist inspection backs it up.
Provenance & Ownership History: A single-owner car with complete factory documentation commands a premium over one with gaps in its history. Factory build sheets, the original window sticker, and authenticated ownership records all lift the valuation and speed the review.
Title & Liens: A clear title in hand is not required to start. Cars without the title present can still be reviewed, and an open lien does not disqualify the car. When a lien exists, its outstanding balance is built into the structure, subject to underwriting and to the requested amount and the car's verified value supporting it. LQD runs its own research on ownership and lien position.
Condition & Modifications: Original, unmodified cars in excellent condition earn the strongest terms. Aftermarket work, even high-quality work, can thin secondary-market liquidity and, with it, the supportable loan-to-value. Condition is judged from the documentation you provide and, where needed, a physical inspection.
None of this is required to start. When you happen to have these items, they firm up the valuation and can drive a faster review and stronger preliminary terms:
No single missing document rules a car out. LQD's team works with owners to build the strongest possible review from whatever paperwork is available at the time of submission.
Ferrari, Lamborghini, Porsche, McLaren, Rolls-Royce, Bentley, Aston Martin, Bugatti, Pagani, Koenigsegg, Maybach, and the other names appearing on this page are registered trademarks of their respective owners. LQD LLC is not affiliated with, endorsed by, or sponsored by any vehicle manufacturer. These names appear only to identify vehicle categories and reference standards for lending purposes, and no manufacturer logos are used.
A confidential review can start from a short description and a few clear photographs. The details below help LQD verify and value a car, though none is a precondition to reaching out:
You do not need a complete file to open a confidential review, but whatever records you have speed up ownership verification, valuation, title review, and underwriting. For more depth, the common questions about asset-backed requests walk through documentation and verification, and how secured private-capital requests are evaluated lays out what to expect from submission through valuation and secure storage.
Raising cash against a car and selling it answer different needs, and neither is automatically right. A sale turns the car into money at once and ends any further cost or obligation, which can suit an owner ready to let it go. Borrowing does the opposite: it frees up capital while you keep the car, sidesteps a forced liquidation, and preserves a collection that may have taken years to build, with any future upside still yours.
Often the call comes down to timing and speed. Dealer consignment and auction cycles can drag on, and a car listed under pressure tends to clear below what an unhurried sale would bring. Facing a real estate closing or a business commitment that will not wait, many owners would rather unlock liquidity than part with the car, and there are several ways to access capital without an immediate sale depending on the situation. A given car may also carry collector or personal meaning an owner is not ready to surrender, and why some owners borrow rather than sell digs into that reasoning.
Borrowing carries cost and risk a sale does not. Financing has a price, and during the term the car sits in insured, secure custody rather than on the road, with insurance kept in force throughout. Most important, a car pledged as collateral can be lost if the obligation goes unpaid, so weigh that against simply selling. Owners with other significant property sometimes run the same math across collectible heirlooms or an aircraft-backed arrangement as part of a wider plan.
Send basic details, a few photographs of the car or collection, and the amount you want to unlock. Our team responds within hours with documentation and next steps.
AI-powered underwriting verifies title and ownership and benchmarks the car against live auction and dealer comparables, then returns a confidential read on its collateral value. Indicative terms typically land within hours, with no obligation to proceed.
Qualified cars receive a preliminary offer after title and ownership verification, condition review, LQD's valuation, and underwriting, and approved deals typically fund within 24 to 72 hours. Final eligibility and terms depend on documentation and review, and funding timing depends on verification, documentation, and closing requirements.
Every submission stays private. LQD reviews your car or collection discreetly, confirming the VIN and title with no public listing, no credit check, and no income verification.
Each car is priced against live auction and dealer comparables, with its condition captured in dated intake photography before any terms are discussed.
Cars travel by enclosed, insured specialist transport into secure, climate-controlled storage, with condition documented at intake and return for the full term, and title stays in your name throughout.
Submit a single car or a full collection for a confidential review. Qualified cars receive a preliminary offer after title and ownership verification, condition review, valuation, and underwriting, with indicative terms within hours and funding in 24 to 72 hours of approval. No credit check. No income verification. No obligation. Final eligibility and terms depend on documentation and review.