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Unlocking liquidity with your car collection

Rare automobiles exist somewhere between passion asset and investment opportunity. As values continue to appreciate, we explore how collectors can borrow against their holdings without relinquishing ownership or potential upside.

Shaped by passion and provenance, car collecting is rooted in the pleasure of owning iconic models long after production has ceased, particularly when only a handful remain in circulation. Balancing heritage with investment potential, it presents an opportunity to conserve exquisite craftsmanship and connect with a community of like-minded enthusiasts from across the world.

Famous collectors include U.S. chat show host Jay Leno, comedian Jerry Seinfeld (known for his collection of Porsches, including the first 911 imported to the United States1); fashion designer Ralph Lauren (who focuses on rarity, including a 1938 Bugatti Type 57SC Atlantic Coupe, one of only four ever produced2); and the Sultan of Brunei—owner of the world's largest private car collection, which is estimated to comprise 7,000 vehicles, including over 500 Rolls-Royces.3

Beyond the showroom

In wealth management, rare cars have become a distinct asset class in their own right. Curate a collection skilfully and it can offer the potential to preserve wealth and diversify a portfolio.

Since its inception in 2008, the HAGI Top Index4 (the overall, broad-market measure of exceptional historic cars) has appreciated by over 450%.5 The most iconic models that consistently maintain and grow their value can see far higher rates of return. Early 2026, for example, saw a Giallo Modena Enzo by Ferrari sell for $17.87 million—the highest price ever achieved by a Ferrari Enzo at auction, tripling the previous record of $6.26 million.6

There’s a clear sense of pride that arises from owning exceptional pieces, but doing so can tie up a lot of personal liquidity. Some collections become larger than initially intended as enthusiasm fuels further purchases. Now, a service allows you to release value without disrupting your wider wealth planning.

Speciality financing with J.P. Morgan Private Bank is available to clients globally. Funding can be raised against collections physically based in England and Wales, Italy, Germany, Switzerland, France, Spain and the U.S. To qualify, a collection must comprise at least five cars. Credit facilities can be arranged for a period of years, with only interest payable in the interim. 

Customized rates

Facilities secured against car collections will typically carry a premium, reflecting the illiquidity of the underlying assets. However, the interest rate you pay will be fully customized to you and your personal credit profile. This takes into account the agreed loan-to-value ratio, borrowing terms and other structuring considerations.  As a result, clients may benefit from a more bespoke arrangement than is typically available through traditional lenders.

When borrowing against your collection, your cars remain at your preferred location. Provided suitable security measures are in place, they can be kept at your personal residences, across any of the abovementioned jurisdictions, or at a secure storage facility.

Why leverage your car collection?

  • You can temporarily realize up to 50% of the value held in your collection without having to sell any vehicles.
  • You can fund new investment opportunities or pursue other financial goals without disrupting your wider investment strategy.
  • By leveraging rather than selling pieces, you can defer potential tax liabilities on cars that have appreciated in value—potentially until your tax situation is more advantageous.7
  • At the end of the term, the principal can be repaid by selling vehicles in the collection, or by using any other source of capital you may have.

Find out more

Leveraging your car collection can be a valuable addition to a sophisticated wealth planning strategy. With J.P. Morgan Private Bank, clients benefit from our decades of experience in speciality lending. Discover a holistic approach that addresses your goals in line with your broader financial objectives:

  • https://www.gq-magazine.co.uk/cars/article/jerry-seinfeld-porsche-collection
  • Ralph Lauren Has 1-of-3 Surviving $40M Bugatti 57SC Atlantics, the Car Should Be in a Safe - autoevolution
  • https://exclusivecarregistry.com/collection/brunei-royal-family-collection 
  • HAGI Top Index is a market index published by HAGI (Historic Automobile Group International) that measures the price performance of a curated basket of “blue‑chip” investment‑grade classic/collectible cars. In practice, it’s used as a benchmark for how the top end of the classic car market is moving over time (i.e., an index of values/prices rather than a single vehicle).
  • Source: Heritage Automobiles Global Top Index (HAGI) as at April 2026. Past performance is not a guide to the future. Capital is at risk and you may not get back the amount invested. 
  • World Record Shattered: Rare Giallo Modena Ferrari Enzo Sells for Nearly $18 Million Becoming Most Expensive Enzo Ever Auctioned, Hurlin, T., 20 January 2024, Hemmings.com (https://www.hemmings.com/stories/rare-giallo-modena-ferrari-enzo-sells-for-nearly-18-million/)
  •  

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Any views, strategies or products discussed in this material may not be appropriate for
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Leverage blue-chip vehicles for tailored financing, all while retaining a carefully curated portfolio.
Published Jun 2, 2026

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