Financing a Custom Defender 110: Options for U.S. Buyers
Financing options for buying a custom Defender 110 in the U.S., including classic car loans, personal loans, HELOCs, and in-house financing.
Anthonydsouza 
A custom-built Defender 110 isn’t just a vehicle it’s a long-term investment. Whether you’re aiming for a rugged off-road warrior or a luxury daily driver, financing a Defender 110 can make the process more manageable. Let’s look at the best financing options available for U.S. buyers.
1. Classic Car Loans
Since the Defender 110 falls under the category of classic vehicles, traditional auto loans may not always apply. Many U.S. lenders now offer classic car financing that accommodates the unique value and structure of a restomod build.
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Loan terms: Typically 5–10 years
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Down payments: Usually 10%–20%
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Lenders: LightStream, J.J. Best Banc & Co., Woodside Credit
2. Personal Loans
Some buyers choose personal loans for faster approval and more flexible spending. These are unsecured loans, meaning your Defender isn’t used as collateral.
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Pros: Fast funding, flexible use
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Cons: Higher interest rates, shorter terms
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Best for: Buyers with strong credit who want quick access to cash
3. Home Equity Lines of Credit (HELOC)
A HELOC can be a smart move if you're planning a high-end Defender 110 restomod and have equity in your home. It provides lower interest rates and can be used to finance large projects like custom automotive builds.
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Pros: Low rates, large sums available
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Cons: Risk of putting your home on the line
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Best for: Homeowners looking for favorable terms
4. In-House Financing from Builder
Some reputable shops like Defenders-US offer in-house financing options or partnerships with lenders familiar with the Defender build process. This makes the approval process smoother since the lender understands the value of the finished vehicle.
Tip: If you're unsure about your financing direction, check out our blog on cost estimation and budgeting for a Defender restoration to get a clearer view of the numbers involved.
Final Thoughts
Financing a custom Defender 110 doesn’t need to be complicated. Whether you’re going through a bank, a private lender, or working directly with the builder, you have options tailored to your goals. The key is to align your financing with the scope of your build and the long-term value you’re creating.
