Zero
We arrange finance on the Fiat Zero, built 1912 to 1915, for limited companies and LLPs, for business borrowing over £25,000, and for individuals borrowing over £60,260 under the high net worth exemption.
- BUILT
- 1912 to 1915
- ERA
- Pre-war
- BODY
- Torpedo
- ENGINE
- 1847 cc (1.8 l) I4
- LAYOUT
- FR layout
- ASSEMBLY
- Turin, Italy
- BUILT IN
- Italy
- PRODUCTION
- 2,200 built
Financing a Zero
Pre-war cars are valued on originality, history and how well they have been kept rather than on mileage. Lenders lean heavily on provenance and on a specialist valuation, because there is no volume market to price against.
The Zero was built 1912 to 1915 in Italy and is recorded with a 1847 cc (1.8 l) i4. Those details matter to a lender only insofar as they support a valuation: what is being funded is a specific car with a specific history, not a model line.
A company usually takes hire purchase or lease purchase on a car like this. A certified high net worth buyer borrows under the exemption. An owner who already has the Zero in the garage can raise money against it instead. In each case the lender wants an independent valuation, evidence of condition and a clear view of how the borrowing is repaid.
Before you buy
- 01Chassis and engine numbers against the marque's own records
- 02Continuity of ownership and any competition history claimed
- 03Coachbuilder identity where the body is not the factory one
- 04An independent valuation the lender will accept
- 05Agreed value insurance quoted before completion
Model reference: Wikipedia. Specifications vary by year and market, so check the individual car.
Questions
Can my company buy a Fiat Zero on finance?
Yes. A limited company or LLP can buy on hire purchase or lease purchase, with the agreement in the company name. It is not regulated consumer credit, whatever the amount. How the car is treated for tax depends on how the business uses it, so speak to your accountant.
Is a Zero too old to finance?
Age on its own is rarely the obstacle. Specialist lenders assess the car, its provenance and an independent valuation rather than applying a cut-off year, so a 1912 to 1915 car can often be financed, subject to status and lender criteria.
Can I raise money against a Zero I already own?
Often, yes, and the car normally stays with you. The lender takes security over it, and how much can be raised depends on the valuation and on how readily that model sells. We arrange this for companies and for certified high net worth owners.
I want a Zero for personal use. Can you help?
That would be regulated consumer credit, which requires FCA authorisation we do not hold. Send the enquiry anyway: it is handled through one of our regulated partners, and we tell you which firm before anyone contacts you.
Finance on this page is arranged for limited companies and LLPs, for sole traders and partnerships borrowing over £25,000 wholly or predominantly for business purposes, and for individuals borrowing over £60,260 who have signed a high net worth statement. Send us the details either way: cases outside that are handled through one of our regulated partners, and we tell you who before anyone contacts you.
Start the entry formModel details compiled from marque records, Wikidata and Wikipedia. Specifications vary by year and market, so check the individual car. Market values are added to this page as the price data for Fiat is published. Questions about a specific car are best sent to enquiries@classiccarfinance.uk.