Rizz specializes in financing exotic, luxury, collector, classic, and specialty vehicles. We finance brands such as Ferrari, Lamborghini, Porsche, McLaren, Aston Martin, Bentley, Rolls-Royce, Ford GT, and many other premium automobiles. We also consider many collector and enthusiast vehicles that traditional lenders may not finance.

Yes. We finance both dealership purchases and private-party transactions nationwide. Our team works directly with buyers, sellers, and dealerships to ensure a smooth, secure closing process from start to finish.

Absolutely. Whether you're looking to lower your monthly payment, adjust your loan term, reduce your interest rate, or access equity in your vehicle, Rizz offers refinancing solutions designed specifically for luxury and collector vehicles.

We offer flexible loan terms tailored to luxury and specialty vehicles. Qualified borrowers may be eligible for loan terms of up to 20 years on select vehicles, helping make ownership more affordable with lower monthly payments.

Many of our clients have the ability to pay cash but choose financing to preserve liquidity. Financing allows them to keep capital available for investments, business opportunities, or other financial goals while enjoying ownership of the vehicle they want.

No. You may pay off your loan early or make additional principal payments at any time without incurring a prepayment penalty.

Most qualified applicants receive a lending decision within one to two business days. Once all required documentation has been received, funding is completed as quickly as possible so you can take delivery of your vehicle without unnecessary delays.

We evaluate every application individually. While strong credit generally provides access to the most competitive financing options, we also consider factors such as income, assets, vehicle type, and overall financial profile—not just your credit score.

Unlike traditional banks that focus primarily on everyday vehicles, Rizz specializes exclusively in luxury, exotic, collector, and specialty automobiles. Our experienced team understands these unique assets and offers flexible financing solutions, personalized service, and loan structures designed specifically for automotive enthusiasts and collectors.

Rizz loan programs include a balloon payment, which is a larger final payment due at the end of the loan term. This financing option can help reduce your monthly payments throughout the life of the loan.

Before your loan matures, you'll generally have several options, subject to the terms of your loan agreement and qualification requirements:

Pay the remaining balloon balance in full. Refinance the remaining balance. Sell or trade the vehicle and use the proceeds to satisfy the remaining loan balance.

Your Rizz financing specialist will explain the balloon payment and answer any questions before you finalize your financing.