Auction Car Finance

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Oracle Finance - Auction Car Specialists

Have you always dreamt about owning that special vehicle you have seen at an auction? If so, Oracle can help.

Buying anything at an auction is an exhilarating experience and it is easy to get caught up in the moment of seeing these fantastic cars, from roaring supercars to our much-loved classics, parading up and down the runway.

With our car auction finance experts, alongside our growing panel of specialist lenders, we may be able to get you pre-approved for your bespoke car finance package before you start the excitement of bidding at the event. Just one of the benefits of speaking to a member of our award-winning team here at Oracle Car Finance, is that we could help get you approved at the top end of your budget with an agreement in principle on any UK auction vehicle, so that you’re ready to bid confidently should your dream car sell at a higher price than expected. This agreement in principle tends to be valid between 30 and 90 days.


I'm looking at a Classic Car

If you’re looking at buying a classic car, for example, at your next auction, you may find that putting down a higher deposit could open the option to an interest only finance proposal. Your dedicated Account Manager will be more than happy to explain all the tailored options available for you to get the most out of your bidding experience.

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Finance Options

Arrange your finance ahead of the auction and before you place your bid

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Releasing Equity

Release equity from your existing collection to help you add to it.

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refinance your current collection of cars to free up cash or reduce payments in order to grow your collection further


Auction car finance refers to financing options available for individuals looking to purchase a vehicle at an auction. These options can include loans or financing arrangements specifically tailored for auction purchases.
Auction car finance works similarly to traditional auto financing, where a lender provides the funds needed to purchase a vehicle at an auction. The borrower then repays the loan through fixed monthly payments over an agreed-upon period with interest.
Some lenders offer pre-approval for auction car finance, allowing buyers to know how much they can borrow before participating in an auction. Pre-approval can streamline the buying process.
Some financial institutions or online lenders specialise in providing financing options for auctioned vehicles. It's advisable to research and explore lenders with experience in this area.
Auction car finance can typically be used for various types of vehicles, including cars, trucks, motorcycles, and commercial vehicles, depending on the lender's policies.
Auction car finance is commonly used for used vehicles, as auctions often feature pre-owned cars. However, some lenders may offer financing for new vehicles as well.
Interest rates for auction car finance may vary and could be influenced by factors such as creditworthiness, the vehicle's age, and the lender's policies. Comparing rates with traditional auto loans is advisable.
Special considerations may include thorough vehicle inspections, understanding the auction process, and being prepared for immediate payment upon winning a bid.
Yes, some lenders offer auction car finance options for online auctions, allowing buyers to participate in virtual auctions and secure financing for their purchases.
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Current representative APR

9.9% APR

Oracle Finance is a Credit Broker and not a Lender.

This means that we deal with a wide range of financial institutions to give our customers a greater choice of competitively priced options. For your protection, Oracle Finance is authorised and regulated by the Financial Conduct Authority for the sale of consumer credit. Oracle Finance is a trading name of Oracle Asset Finance Limited.


Auction Car Finance