Big thing about the banks is that for older cars especially (older than 8-10 years), they won’t finance them under a car loan due to the age of the collateral. Your two choices are either a Home equity line/loan or an unsecured line/loan. And anything with collateral definitely lowers the interest rate... but as with…

You do know the man takes a 50K salary... mostly in stock options in companies he owns... He’s the “bum of silicon valley” as his colleagues call him, because he doesn’t have a house up there.