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How to finance a Caterham

While traditional car loans may be off the table, you still have options.

Almost every Caterham Seven model comes with the option to assemble it yourself, helping to add to each car’s unique look. But because they’re sold as a kit, financing your new vehicle with a traditional car loan can be difficult. Instead, you might want to consider your personal loan options.

How can I finance a Caterham?

Because Caterhams aren’t delivered preassembled, it may be more difficult to qualify for a traditional car loan. Instead, you might want to look into taking out a personal loan or line of credit from a bank, credit union or online lender. Many don’t place restrictions on how you use your funds — making them a good choice to finance a car kit.

Another option may be financing directly through Caterham. It doesn’t specifically state if it offers in-house financing options on its website, so reach out to your nearest authorized dealership for more information.

Whichever you choose, how much you’re eligible to borrow will depend on your credit score and current financial situation. For loans above the $50,000 mark, you’ll need a near-perfect score and low debt-to-income ratio to qualify with most lenders.

Compare personal loans to finance a Caterham

Name Product Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
Good to excellent credit
Starting at 0.99%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out. Car Loans
Starting at 1.89%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

Compare up to 4 providers

What will a new Caterham cost me?

Each version of the Seven is sold as parts — which makes it difficult to pinpoint an overall cost. The amount you pay will depend on the chassis, engine block, paint and accessories you order. Your car will be a unique build, so reach out to Caterham for specific information on the price of each component that goes into your Seven model.

You can also browse Caterham’s inventory page for preassembled new and used options. In the past, models were available from $44,500 to $69,000.

Choose a type of vehicle

Caterham 270

  • Top speed: 120 MPH
  • Weight: 1,212 lbs
  • 0 to 60 MPH: 4.9 seconds

Caterham 310

  • Top speed: 127 MPH
  • Weight: 1,190 lbs
  • 0 to 60 MPH: 4.9 seconds

Caterham 360

  • Top speed: 130 MPH
  • Weight: 1,179 lbs
  • 0 to 60 MPH: 4.8 seconds

Caterham 420

  • Top speed: 136 MPH
  • Weight: 1,235 lbs
  • 0 to 60 MPH: 3.8 seconds

Caterham 620 S

  • Top speed: 145 MPH
  • Weight: 1,345 lbs
  • 0 to 60 MPH: 3.44 seconds

Caterham 620 R

  • Top speed: 155 MPH
  • Weight: 1,202 lbs
  • 0 to 60 MPH: 2.79 seconds

Car insurance costs that come with driving an exotic car

Does a new Caterham come with a warranty?

No, Caterham doesn’t offer any warranties or maintenance programs for its vehicles.

Bottom line

If building a race car has always been your dream, Caterham can deliver. Compare your personal loan options to find a competitive deal that gets you closer to the quick speed a Seven offers.

Frequently asked questions

Pictures: Getty Images and Caterham’s Official Page

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