Auto Financing Appraisals
Reasons for Auto Loan Financing Appraisals
Don’t Let "No" Stop You From Financing Your Dream Car
Has a big-name bank recently denied your auto loan because of the vehicle’s age? Don’t let that “no” be the end of your search. You still have options for financing classic, custom, or collector vehicles over 20 years old.
Here’s how to get around the red tape:
- Get an Appraisal: An appraisal establishes the vehicle's actual value, taking into account condition, upgrades, and customizations.
- Look to Local Credit Unions: Unlike large banks, credit unions often work with members on financing older vehicles.
- Submit the Certified Report: Use your appraisal from Auto Appraisal Network® as proof of value when applying for a loan or securing insurance coverage.
Our certified appraisal reports are widely accepted by financial institutions and insurance companies across the country, giving you the proof you need to move forward with confidence.
What Makes Our Appraisals Different?
When it comes to high-value vehicles, relying on Kelley Blue Book (KBB) or NADA guides simply isn’t enough. Here’s why:
- Beyond the Basics: KBB and NADA don’t account for aftermarket upgrades, customizations, or restorations.
- Custom Details Matter: Custom paint, new interiors, engine modifications, and upgraded wheels can significantly boost a vehicle’s value.
- Certified & Comprehensive: Our appraisal reports include high-resolution photos, detailed itemizations of value-adding upgrades, and expert valuation, all in one professional package.
A dealership might appraise your car, but they often overlook the true value of custom features. Our specialized reports are certified and respected by lenders, insurance companies, and credit unions nationwide.
Why Get a Certified Appraisal Before Buying or Selling?
Whether you’re preparing to sell a customized vehicle or looking to buy one, a professional appraisal ensures you know the actual market value. This is essential if you want to:
- Get Fair Financing: An appraisal helps you secure financing for older, custom, or collector cars.
- Obtain Proper Insurance Coverage: Most insurance companies require a certified appraisal for “Agreed Value” policies, which protect your investment in case of a total loss.
- Sell with Confidence: If you’re selling a custom car, you’ll have solid proof of its market value to present to potential buyers.
Don’t underestimate the importance of an appraisal. It’s an investment that pays off in peace of mind and financial protection.
Refinancing? Here’s Why an Appraisal is a Smart Move
If you’re refinancing an existing auto loan, the lender may order their own appraisal — but is that in your best interest? Not always. Here’s why you should consider hiring your own independent appraiser:
- Challenge Low Valuations: If the lender’s appraiser undervalues your car, you have the right to contest it with your own certified appraisal.
- Get a Second Opinion: Lender appraisers often have limited experience with classic, custom, or collector vehicles. We specialize in these unique cars and provide an expert valuation.
- Protect Your Insurance Coverage: If your vehicle is undervalued by the lender’s appraiser, you risk being under-insured. Our certified reports help you secure coverage that matches your car's true value.
Our appraisers are independent and unbiased, unlike appraisers hired by lenders. We specialize in high-value, custom, and classic vehicles — giving you the edge in negotiations.
How Auto Appraisal Network - Nashville Helps Lenders See the Full Picture
One of the biggest challenges with classic, collector, or custom vehicles is that lenders can’t look them up in a standard pricing guide. NADA only publishes base model valuations — and that’s where it stops. If your vehicle has been customized, restored, or modified, it’s impossible for lenders to see its true worth without a certified appraisal.
Here’s why banks hesitate to finance classic and custom cars:
- No Standard Valuation: Unlike stock vehicles, custom cars aren’t commodities with a set market price.
- Lack of Expertise: Lenders and their appraisers often don’t have the knowledge required to assess the value of rare, modified, or classic cars.
But here’s the good news: A certified appraisal from Auto Appraisal Network® solves this problem. Our reports include all the value-adding details, from custom work to aftermarket upgrades, so lenders have the proof they need to approve your loan.
How Our Appraisals Work
When you choose Auto Appraisal Network - Nashville, here’s what you can expect:
- Request an Appraisal: Call or message us to schedule an appraisal. We’ll guide you through the process and answer any questions.
- Comprehensive Vehicle Assessment: Our appraiser will conduct a thorough review of your vehicle, assessing everything from mileage and model to customizations and unique features.
- Receive a Detailed Report: Our appraisals include up to 100 full-color photos, value-enhancing details, and a final valuation based on comps, market data, and industry insights.
- Submit to Lenders or Insurers: Use our certified report to secure financing, contest a total loss settlement, or obtain agreed-value insurance coverage.
Why Auto Appraisal Network - Nashville is the Gold Standard
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Certified & Widely Accepted: Our appraisals are accepted by banks, credit unions, and insurance companies nationwide.
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Specialized Knowledge: Our appraisers have deep experience with custom, classic, and collector vehicles — areas where lender appraisers fall short.
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Comprehensive Reports: We don’t just "guess" your vehicle's value. Our reports include detailed, itemized information on all value-enhancing factors, including custom work and restoration details.
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Unbiased, Independent Appraisals: We are not affiliated with any specific lender, dealership, or insurance company. Our goal is to provide an accurate, objective valuation — nothing more, nothing less.
Ready to Protect Your Investment? Contact Us Today!
Don’t let your car’s value be dictated by a bank, an insurance company, or a guidebook that doesn’t see its true worth. Contact Auto Appraisal Network - Nashville to get a certified appraisal that gives you negotiating power, peace of mind, and financial protection.
Schedule your appraisal now and gain access to professional reports recognized by banks, credit unions, and insurance companies nationwide. Whether you're refinancing, financing a custom car, or fighting for a fair settlement, we’re here to protect your investment.