If you are looking to secure a loan against a car, Edinburgh Asset Finance (EAF) provides one of the UK’s most specialist, secure and discreet solutions. As industry-leading car pawnbrokers, we lend against high-value vehicles where we can take safe possession of the asset—typically £10,000+ loan amounts on prestige, performance, classic or collector cars.

Unlike general car pawnbrokers or online “logbook loan” providers, we do not lend against daily drivers or vehicles that remain in use. Instead, we focus exclusively on cars that qualify as luxury assets—vehicles that owners can comfortably place into temporary storage while unlocking significant short-term capital.

We have invested heavily in our own private storage facility, allowing us to store vehicles under optimum conditions without relying on third-party companies. This gives our clients total peace of mind, superior security, and a smoother, faster process from start to finish.

Whether you own a supercar, classic model, collector vehicle, luxury SUV or performance car, a loan against your car provides an instant, confidential and highly flexible way to release capital without selling your vehicle.

We also encourage owners of prized vehicles to explore our dedicated Loan Against Number Plates page, as many clients with prestige vehicles also hold high-value registrations that can be used as separate collateral.

Why Choose EAF for a Loan Against a Car?

Industry-Leading Expertise in High-Value Vehicle Lending

Vehicles are a major part of our business. We have extensive experience valuing, storing, handling and lending against luxury, performance and collectible cars. This sets us apart from typical car pawnbrokers who operate at a more general level.

Our specialism allows us to:

  • Offer higher loan values
  • Make faster, more accurate valuations
  • Understand the nuances of specialist models
  • Assess appreciation, scarcity, provenance and condition
  • Handle vehicles with exceptional care and discretion

From modern supercars to rare classics, we provide a market-leading, premium service tailored to owners of high-value vehicles.

Loans of £10,000+ Only – Designed for Premium Vehicles

Our lending model focuses on significant-value assets. As such, we only offer loans secured against cars where we can lend £10,000 or more.
This typically includes:

  • Modern supercars
  • Rare performance models
  • Classic and vintage cars
  • Prestige marques (Aston Martin, Bentley, Porsche, Ferrari, Mercedes AMG etc.)
  • Limited editions
  • Collector vehicles

If you are unsure whether your vehicle qualifies, we are always happy to advise.

We Must Take Possession – Ensuring Safety & Compliance

To offer a secured loan against a car, we must take possession of the vehicle for the duration of the loan. This is not a logbook loan or finance agreement; it is an FCA regulated pawnbroking arrangement designed for high-value, non-essential vehicles.

This approach benefits you because:

  • There are no credit checks
  • There are no affordability assessments
  • Approval is based solely on the car’s value
  • Your credit file remains unaffected
  • Your interest is fixed and transparent
  • You retain full ownership

Because the vehicle is stored safely and unused, its condition remains preserved.

Private, Climate-Controlled, In-House Vehicle Storage

One of our greatest advantages is that we own and operate our own secure vehicle storage facility.
Your car is kept:

  • In a climate-controlled unit
  • On a trickle charger
  • Under a breathable, high-quality cover
  • Monitored with 24/7 security
  • Kept immobile, untouched and fully protected

This allows us to provide a significantly higher quality of care and security than lenders who outsource storage to third-party facilities. Additionally there is no cost for storage – the only charge is interest on the loan.

Flexible Vehicle Handover Options

Clients can choose whichever option suits them best:

  • Drop the vehicle off directly with us
  • Arrange delivery via trailer or professional transporter, we can provide recommendations where requested
  • We may be able to collect the vehicle in certain circumstances

We work around the client’s needs to ensure a smooth, discreet and efficient handover.

Fast Valuations & Immediate Loan Offers

Because we specialise in high-value vehicles, valuations are extremely efficient. After receiving details of your car (make, model, year, condition, mileage, history), we typically:

  • Provide a valuation quickly – often within an hour
  • Confirm the loan amount immediately
  • Complete paperwork in a private appointment (or remotely where a vehicle is being transported to us)
  • Release funds as soon as the vehicle is in our possession

For many clients, this means same-day funding.

How a Loan Against Your Car Works

We structure every loan secured against a car to be clear, efficient and straightforward.

  1. Enquiry & Initial Valuation

You send us details and photographs of your vehicle. We assess:

  • Market value
  • Condition and mileage
  • Age and desirability
  • Specialist features or provenance

This allows us to calculate an accurate loan figure.

  1. Loan Offer Confirmed

Once the valuation is agreed, we confirm the loan amount we can provide—typically 60–70% of the vehicle’s real-world value, depending on the model.

  1. Vehicle Delivery or Collection

You can:

  • Bring the car to us
  • Arrange delivery by trailer/transporter
  • Request collection (if feasible)

We conduct a quick walk-around inspection for documentation and condition.

  1. Paperwork Completed

The regulated pawnbroking agreement is completed privately and discreetly.

  1. Funds Released

As soon as we have possession of the car, the funds are transferred instantly.

  1. Vehicle Stored Safely

Your vehicle is stored with the utmost care at our in-house facility.

  1. Redeem Your Vehicle Anytime

Repay the loan and interest at any time, and the car is immediately returned to you.

There are no penalties for early redemption.

What Types of Cars Do We Lend Against?

We regularly lend against:

  • Supercars (Ferrari, Lamborghini, McLaren, Porsche, Aston Martin)
  • High-value modern performance vehicles
  • Classic and vintage cars
  • Luxury 4x4s & SUVs (Range Rover SVR, G-Wagon, Bentley Bentayga etc.)
  • Rare limited-edition models
  • Collector vehicles with provenance
  • Fully restored classics
  • Prestige marques such as Bentley, Rolls-Royce and Mercedes AMG

If the vehicle holds substantial market value and can be securely stored, we can usually lend against it.

Key Benefits of a Loan Against a Car

Choosing EAF for a loan against your car offers advantages that traditional finance cannot match:

No credit checks

No impact on your credit file

No affordability assessments

Fast approval

Same-day funding once the vehicle arrives

You retain full ownership

Discreet and confidential service

Specialist handling for prestige vehicles

This is an ideal solution for clients requiring short-term liquidity without wanting to sell their car or enter lengthy finance arrangements.

Enquire About a Loan Against Your Car

If you want to get a loan against your car, or simply want to understand how much you could release, our specialists are ready to help. We provide confidential, expert valuations and fast funding backed by one of the UK’s most secure in-house car storage facilities.

Contact us to discuss your vehicle or arrange a private consultation.

Frequently Asked Questions – Loans Against Cars

What models qualify as luxury assets for loans?

We typically lend against high-value, prestige, performance, classic and collector cars. Vehicles must be able to support a loan of £10,000+, which generally includes supercars, luxury SUVs, rare classics and specialist performance models.

Do vehicles require a full inspection or service history?

We carry out a basic inspection on arrival (condition, mileage, VIN, documents). Full service history is always beneficial but not mandatory. We understand that classics or older vehicles may have partial documentation.

Can I drive the car during the loan term?

No. We must take possession of the car for the duration of the loan. This preserves its condition, maintains compliance, and ensures the vehicle remains secure.

How is mileage factored into the value?

Mileage is assessed in context. For supercars and prestige vehicles, lower mileage tends to increase loan value. For classic cars, originality and condition may matter more than mileage.

What insurance protections are provided?

Your vehicle is fully insured while in our care. Our facility includes climate control, trickle charging, 24/7 monitoring, secure access controls and protective covers.

Contact Edinburgh Asset Finance today to arrange your private appointment.