Most buyers assume they can’t, because most banks won’t write a traditional auto loan on a vehicle this old. Here’s what actually works, and who our buyers have used.
We don’t take applications, run credit, or receive a commission from any of these. They’re listed because they’ve actually funded vehicles we’ve sold. You apply directly with them.
Postal employees and their families
APCU was chartered for postal employees. If you carry mail, you may already be eligible to join — and it’s the lender that appears most often in our sold records for carriers. Worth checking membership before you look anywhere else.
Check eligibility →Unsecured personal loans, no vehicle age limit
A division of Truist. Because the loan is unsecured, the age of the import is irrelevant to the approval. Funds land in your account, and you buy as a cash buyer. Strong credit gets the best rates here.
Apply direct →Oregon and Washington members
A regional credit union that has financed vehicles for buyers close to home. Credit unions are often more flexible on older collateral than a national bank — it’s worth a conversation rather than assuming no.
Apply direct →Service members, veterans, and eligible family
If you’re eligible for USAA membership, their auto and personal loan products are worth comparing. Several of our buyers have funded through them.
Apply direct →We are not a lender and we don’t collect credit applications on this site. We will never ask for your Social Security number, date of birth, or income by text or email — that information belongs only on a lender’s own secure application. Anyone claiming to be us and asking for it is not us. Terms, rates, and eligibility are set by the lender, not by Eagle Cars.
Many lenders cap collateral loans at 10 or 12 model years. A 1998 Land Cruiser falls outside that regardless of how strong your credit is.
An unsecured personal loan doesn’t care how old the vehicle is, because the vehicle isn’t the collateral. That’s the route most of our buyers take.
You get approved before you ever contact us, then buy like a cash buyer. No sitting in an office while someone works the phones.
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