Finance Your Dream JDM Car

Connect with trusted lenders who specialize in classic and collector Japanese vehicles. Get competitive rates and flexible terms for your next JDM purchase.

Compare rates from specialized JDM lenders

Why Finance with Our Partners?

Specialized JDM Expertise

Partner lenders who understand collector and classic Japanese vehicles.

Competitive Rates

Financing from $5,000 to $2,000,000+ with competitive interest rates.

Flexible Terms

Loan terms up to 180 months (15 years) for qualified buyers.

Fast Approval

Streamlined application process to get you behind the wheel faster.

Our Financing Partners

Compare specialized lenders for classic Japanese vehicles. Start with our featured partner for the fastest, easiest process.

Featured Partner

LightStream offers an easy low-interest financing solution so you can get funds for your used auto. Good-credit customers can get funds up to $100,000 as soon as the same day if all conditions are met. Loans are available for both dealer-purchased and privately purchased garage vehicles. Apply online using a quick application process and receive your funds without leaving the house. It's fast, easy, and there are no fees, prepayment penalties, or home equity requirements.

•Unsecured Loans: Forget liens or lien holder paperwork. There are no LTV, age, model or mileage restrictions, plus there is no collateral required.

Loan Details

Available Rates:

Competitive Fixed Rates

Credit Required:

Good to excellent credit profile only

Loan Terms:

Flexible rates

Loan Amounts:

$5,000 - $100,000

Downpayment:

No fees, no prepayment penalty

Apply For Financing

(We may be compensated by LightStream through this link.)

Other Financing Options

Longest terms available (up to 15 years). Best for high-value collectors. Over $2.5 billion financed in 20+ years.

Rates:

Rates vary case by case

Credit:

700+ FICO minimum

Terms:

Up to 180 months (15 years)

Amounts:

$10,000 - $1,000,000+

Down:

$10,000 minimum

•Minimum vehicle purchase price must be $20,000
•Requires 5 years of credit history

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Specializes in unique lending situations. Lowest credit requirement (600+). Works with multiple lenders for collector vehicles only.

Rates:

Rates subject to qualification

Credit:

600+ FICO minimum

Terms:

60-144 months

Amounts:

$10,000 minimum

Down:

10-20% required

•Private seller purchases accepted
•Collateral verification required

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Established lender since 1993. Up to $2M financing available for the most qualified borrowers with proven auto loan history.

Rates:

Rates subject to qualification

Credit:

660+ FICO minimum

Terms:

60-84 months

Amounts:

$6,000 - $2,000,000

Down:

10-20% required

•Requires 1-year auto loan history
•Vehicle verification required

Apply Now

Frequently Asked Questions

Credit requirements vary by lender. Most of our partner lenders require a minimum credit score between 600-700 FICO. LightStream requires good to excellent credit, while Collector Car Lending accepts scores as low as 600. Each lender evaluates applications individually, so we recommend applying to multiple lenders to find the best fit for your situation.

Loan amounts range from $5,000 to over $2,000,000 depending on the lender and your qualifications. LightStream offers up to $100,000, while Woodside Credit and J.J Best Banc can finance vehicles up to $2,000,000. The amount you qualify for depends on your credit profile, income, and the value of the vehicle.

Yes! All of our partner lenders specialize in classic and collector vehicles, including imported JDM cars. They understand the unique nature of Japanese imports and have experience financing vehicles that may not qualify for traditional auto loans. Some lenders may require an appraisal or vehicle verification for imported vehicles.

Typically, you'll need proof of income (pay stubs, tax returns, or bank statements), proof of identity (driver's license), proof of residence, and details about the vehicle you're purchasing (VIN, photos, purchase agreement). If buying from a private seller, some lenders may require a vehicle appraisal or inspection. Specific requirements vary by lender, so check with them during the application process.

Approval times vary by lender. LightStream offers same-day funding for qualified applicants with all conditions met. Other lenders typically take 1-5 business days to process applications and provide approval decisions. More complex loans or those requiring vehicle appraisals may take longer. Having all your documentation ready can help speed up the process.

Down payment requirements vary by lender. LightStream offers unsecured loans with no down payment required. Most other lenders require 10-20% down, with Woodside Credit requiring a minimum of $10,000. A larger down payment can help you qualify for better rates and terms.

Yes, most of our partner lenders finance both dealer and private party purchases. However, private party purchases may require additional documentation such as a vehicle inspection, appraisal, or collateral verification. LightStream specifically mentions supporting privately purchased vehicles with no additional hassle.

Loan terms range from 60 months (5 years) up to 180 months (15 years) depending on the lender and loan amount. Woodside Credit offers the longest terms at up to 15 years, which can help keep monthly payments manageable for high-value collector vehicles. Shorter terms typically come with lower interest rates.

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