Owning a classic car is a dream for many automotive enthusiasts, but the cost of purchasing one outright can be steep. Fortunately, financing options make it easier to acquire vintage vehicles without the hefty upfront payment. If you’re considering financing a classic car in 2025, selecting a model with an affordable price tag and strong resale value can make ownership more manageable.
Below, we’ve compiled a list of 10 classic cars that offer great value, are relatively easy to finance, and provide an exciting driving experience.
1. 1989-1994 Mazda MX-5 Miata
- Estimated Price Range: $8,000 – $18,000
- Why It’s a Great Option:
The first-generation Miata (NA) is one of the most accessible classic sports cars on the market. Known for its lightweight build, responsive handling, and reliability, the MX-5 Miata remains a top choice for enthusiasts. Parts are widely available, and maintenance costs are low, making it an excellent budget-friendly option for financing.
2. 1990-1997 Mazda RX-7 (FD3S)
- Estimated Price Range: $25,000 – $45,000
- Why It’s a Great Option:
The third-generation Mazda RX-7 is one of the most iconic rotary-powered cars ever made. While prices have been increasing, it’s still one of the most affordable Japanese sports cars with true collector appeal. Buyers who opt for financing can secure an appreciating asset with significant long-term value.
3. 1980-1986 Ford Mustang GT (Fox Body)
- Estimated Price Range: $12,000 – $25,000
- Why It’s a Great Option:
Fox-body Mustangs are gaining popularity in the collector’s market, yet they remain some of the most affordable classic American muscle cars to finance. With a robust V8 engine and simple mechanics, this model is an excellent entry point for those looking for an accessible classic car loan.
4. 1994-2004 Chevrolet Corvette (C5)
- Estimated Price Range: $18,000 – $30,000
- Why It’s a Great Option:
The C5 Corvette delivers an outstanding balance of power, reliability, and affordability. Equipped with the legendary LS1 V8 engine, this car provides supercar-like performance at a fraction of the cost. It’s one of the best performance bargains in the classic car world, making it a great candidate for financing.
5. 1984-1991 BMW E30 3-Series
- Estimated Price Range: $15,000 – $35,000
- Why It’s a Great Option:
The BMW E30 3-Series is a beloved European classic known for its perfect blend of driving dynamics and timeless styling. While M3 models have skyrocketed in value, the standard E30 models remain relatively affordable. Their strong aftermarket support and increasing desirability make them a smart choice for financing.
6. 1978-1987 Chevrolet El Camino
- Estimated Price Range: $10,000 – $25,000
- Why It’s a Great Option:
Part truck, part muscle car, the El Camino is a unique classic that remains affordable and easy to finance. With V8 power and plenty of parts availability, it offers a mix of practicality and performance. Financing one allows buyers to enjoy the benefits of classic ownership without a massive investment.
7. 1982-1991 Porsche 944
- Estimated Price Range: $12,000 – $28,000
- Why It’s a Great Option:
The Porsche 944 has long been overshadowed by its 911 counterpart, but it remains one of the best-value Porsches in the market. With a well-balanced chassis and surprising affordability, this model is perfect for first-time classic Porsche buyers. Financing one through a classic car financing company can help buyers take advantage of its increasing market value.
8. 1978-1983 Datsun 280ZX
- Estimated Price Range: $12,000 – $30,000
- Why It’s a Great Option:
The Datsun 280ZX blends 1970s styling with 1980s technology, making it a desirable collector’s item. While the earlier 240Z models have soared in price, the 280ZX remains within reach for many buyers. Financing a well-maintained example ensures access to an appreciating asset in the classic Japanese car market.
9. 1987-1993 Mercedes-Benz 560SL
- Estimated Price Range: $18,000 – $40,000
- Why It’s a Great Option:
For those looking for a blend of luxury and performance, the Mercedes-Benz 560SL is an attractive option. Featuring timeless styling, a powerful V8, and rock-solid reliability, it’s a relatively affordable entry into the world of classic European luxury cars. Financing can make this classic more accessible while preserving cash flow for maintenance.
10. 1971-1978 Pontiac Firebird Trans Am
- Estimated Price Range: $20,000 – $40,000
- Why It’s a Great Option:
The second-generation Trans Am gained pop culture fame thanks to movies like Smokey and the Bandit. These muscle cars are still relatively affordable compared to other American classics from the era. Financing a Trans Am allows enthusiasts to own a piece of American muscle history without depleting their savings.
Final Thoughts
Owning a classic car doesn’t have to break the bank. By choosing a model with strong reliability, available parts, and reasonable financing terms, buyers can experience the joy of classic car ownership without excessive costs.
Working with a specialized classic car lender can provide flexible loan options, competitive interest rates, and guidance tailored to vintage car purchases. Whether you’re a first-time buyer or a seasoned collector, financing can help you drive away in the classic car of your dreams while keeping your finances in check.