ExoticCar.Loans: exotic and classic car loan calculator

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Exotic and classic car loan payments with balloons, equity by year, depreciation and lender terms.

Finance & Payments

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https://exoticcar.loans/mcp

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calculate_exotic_car_loan Read-only

Monthly payment on an exotic, classic or collector car loan from your price, down payment, APR, term (36 to 180 months) and optional balloon, using the exoticcar.loans calculator math. Returns amount financed, balloon, total interest, cash at signing, and the estimated car value against the loan balance year by year, with the months (if any) when you would owe more than the car is worth.

aprnumber, required

APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own.

pricenumber, required

Purchase price in US dollars, e.g. 250000.

monthsinteger, required

Term in months, 36 to 180 (the site offers 36, 48, 60, 72, 84, 96, 120, 144, 180).

downnumber

Down payment in dollars. Default 0.

modelstring

Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default "all-vehicles" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given.

balloon_pctnumber

Balloon due with the last payment, as a percent of the price, 0 to 60. Default 0.

finance_taxboolean

Roll the sales tax into the loan (true, default) or pay it at signing (false).

sales_tax_pctnumber

Sales tax rate in percent. Default 0.

value_change_pctnumber

Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model.

Try it

Call this server's tools from your browser. Nothing to install.

https://exoticcar.loans/mcp

Requests go through mcptry because browsers can't call most MCP servers directly. Header values are sent to the server for that request only and are never stored or logged.

Tool list from our last check. Connect live to refresh it.

calculate_exotic_car_loan Read-only

aprnumber, required

APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own.

pricenumber, required

Purchase price in US dollars, e.g. 250000.

monthsinteger, required

Term in months, 36 to 180 (the site offers 36, 48, 60, 72, 84, 96, 120, 144, 180).

downnumber

Down payment in dollars. Default 0.

modelstring

Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default "all-vehicles" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given.

balloon_pctnumber

Balloon due with the last payment, as a percent of the price, 0 to 60. Default 0.

finance_taxboolean

Roll the sales tax into the loan (true, default) or pay it at signing (false).

sales_tax_pctnumber

Sales tax rate in percent. Default 0.

value_change_pctnumber

Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model.

Tools (4)

calculate_exotic_car_loan

read-only

Argument	Type	Description
apr*	number	APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own.
down	number	Down payment in dollars. Default 0.
model	string	Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default "all-vehicles" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given.
price*	number	Purchase price in US dollars, e.g. 250000.
months*	integer	Term in months, 36 to 180 (the site offers 36, 48, 60, 72, 84, 96, 120, 144, 180).
balloon_pct	number	Balloon due with the last payment, as a percent of the price, 0 to 60. Default 0.
finance_tax	boolean	Roll the sales tax into the loan (true, default) or pay it at signing (false).
sales_tax_pct	number	Sales tax rate in percent. Default 0.
value_change_pct	number	Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "price",
    "apr",
    "months"
  ],
  "properties": {
    "apr": {
      "type": "number",
      "maximum": 36,
      "minimum": 0,
      "description": "APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own."
    },
    "down": {
      "type": "number",
      "maximum": 50000000,
      "minimum": 0,
      "description": "Down payment in dollars. Default 0."
    },
    "model": {
      "enum": [
        "porsche-718-cayman",
        "porsche-911",
        "chevrolet-corvette",
        "ferrari-roma",
        "mclaren-gt",
        "aston-martin-vantage",
        "maserati-mc20",
        "mercedes-g-class",
        "lamborghini-urus",
        "bentley-continental",
        "rolls-royce-cullinan",
        "rolls-royce-ghost",
        "all-vehicles",
        "bentley-bentayga",
        "mercedes-amg-gt",
        "porsche-taycan",
        "bmw-m8",
        "bmw-7-series",
        "range-rover"
      ],
      "type": "string",
      "description": "Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default \"all-vehicles\" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given."
    },
    "price": {
      "type": "number",
      "maximum": 50000000,
      "minimum": 1000,
      "description": "Purchase price in US dollars, e.g. 250000."
    },
    "months": {
      "type": "integer",
      "maximum": 180,
      "minimum": 36,
      "description": "Term in months, 36 to 180 (the site offers 36, 48, 60, 72, 84, 96, 120, 144, 180)."
    },
    "balloon_pct": {
      "type": "number",
      "maximum": 60,
      "minimum": 0,
      "description": "Balloon due with the last payment, as a percent of the price, 0 to 60. Default 0."
    },
    "finance_tax": {
      "type": "boolean",
      "description": "Roll the sales tax into the loan (true, default) or pay it at signing (false)."
    },
    "sales_tax_pct": {
      "type": "number",
      "maximum": 15,
      "minimum": 0,
      "description": "Sales tax rate in percent. Default 0."
    },
    "value_change_pct": {
      "type": "number",
      "maximum": 50,
      "minimum": -50,
      "description": "Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model."
    }
  },
  "additionalProperties": false
}

compare_exotic_car_loan_terms

Side-by-side payment, total interest, balloon and underwater stretch for 2 to 6 term and balloon combinations on the same car, price, down payment and APR (for example 120 vs 180 months, or 0% vs 30% balloon), using the exoticcar.loans calculator math.

read-only

Argument	Type	Description
apr*	number	APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own.
down	number	Down payment in dollars. Default 0.
model	string	Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default "all-vehicles" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given.
price*	number	Purchase price in US dollars, e.g. 250000.
options*	array	Term and balloon combinations, e.g. [{"months":120},{"months":180},{"months":120,"balloon_pct":30}].
finance_tax	boolean	Roll the sales tax into the loan (true, default) or pay it at signing (false).
sales_tax_pct	number	Sales tax rate in percent. Default 0.

get_car_depreciation

Published five-year depreciation figures for exotic and luxury models (iSeeCars 2026 study and iSeeCars modeled estimates) annualized the way the calculator uses them, plus Hagerty Price Guide quarterly collector-value changes, each with source, period and date. Search by make or model, or omit query for every row.

read-only

Argument	Type	Description
query	string	Make or model to search for, e.g. "Porsche", "911", "Urus". Omit for all rows.

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "query": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Make or model to search for, e.g. \"Porsche\", \"911\", \"Urus\". Omit for all rows."
    }
  },
  "additionalProperties": false
}

get_specialty_car_lenders

What collector-car lenders, lease companies, auction-house lenders and manufacturer captives publish about rates, loan amounts, terms, down payment and eligible cars (dealer, private party, auction, LLC titling), with a link to each lender's own page and the date read. Filter by type or search by name.

read-only

Argument	Type	Description
name	string	Lender name to search for, e.g. "Woodside".
type	string	Kind of lender. Default all.

Input schema (JSON)

{
  "type": "object",
  "properties": {
    "name": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "Lender name to search for, e.g. \"Woodside\"."
    },
    "type": {
      "enum": [
        "all",
        "loan",
        "lease",
        "auction",
        "captive",
        "bank"
      ],
      "type": "string",
      "description": "Kind of lender. Default all."
    }
  },
  "additionalProperties": false
}

{ "type": "object", "required": [ "price", "apr", "options" ], "properties": { "apr": { "type": "number", "maximum": 36, "minimum": 0, "description": "APR in percent from the borrower's own quote, e.g. 8.5. This server has no rate of its own." }, "down": { "type": "number", "maximum": 50000000, "minimum": 0, "description": "Down payment in dollars. Default 0." }, "model": { "enum": [ "porsche-718-cayman", "porsche-911", "chevrolet-corvette", "ferrari-roma", "mclaren-gt", "aston-martin-vantage", "maserati-mc20", "mercedes-g-class", "lamborghini-urus", "bentley-continental", "rolls-royce-cullinan", "rolls-royce-ghost", "all-vehicles", "bentley-bentayga", "mercedes-amg-gt", "porsche-taycan", "bmw-m8", "bmw-7-series", "range-rover" ], "type": "string", "description": "Depreciation preset from https://exoticcar.loans/depreciation/ (annualized published figure). Default \"all-vehicles\" (iSeeCars all-vehicle benchmark). Ignored when value_change_pct is given." }, "price": { "type": "number", "maximum": 50000000, "minimum": 1000, "description": "Purchase price in US dollars, e.g. 250000." }, "options": { "type": "array", "items": { "type": "object", "required": [ "months" ], "properties": { "months": { "type": "integer", "maximum": 180, "minimum": 36, "description": "Term in months, 36 to 180 (the site offers 36, 48, 60, 72, 84, 96, 120, 144, 180)." }, "balloon_pct": { "type": "number", "maximum": 60, "minimum": 0, "description": "Balloon due with the last payment, as a percent of the price, 0 to 60. Default 0." } }, "additionalProperties": false }, "maxItems": 6, "minItems": 2, "description": "Term and balloon combinations, e.g. [{\"months\":120},{\"months\":180},{\"months\":120,\"balloon_pct\":30}]." }, "finance_tax": { "type": "boolean", "description": "Roll the sales tax into the loan (true, default) or pay it at signing (false)." }, "sales_tax_pct": { "type": "number", "maximum": 15, "minimum": 0, "description": "Sales tax rate in percent. Default 0." }, "value_change_pct": { "type": "number", "maximum": 50, "minimum": -50, "description": "Your own expected change in the car's value per year, percent; negative = losing value (e.g. -5). Overrides model." } }, "additionalProperties": false }

ExoticCar.Loans: exotic and classic car loan calculator

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calculate_exotic_car_loan Read-only

ExoticCar.Loans: exotic and classic car loan calculator

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calculate_exotic_car_loan Read-only

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Tools (4)

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