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Payment Options

We recognize that financing is a pivotal component of the car buying process, and we’re dedicated to providing tailored solutions to suit your individual requirements. Our diverse array of payment methods encompasses credit cards, cash, cashier’s checks, money orders, and wire transfers, ensuring flexibility and convenience for every customer.

Disclaimer:

JDM Car & Motorcycle does not offer direct lending or in-house financing. We are not a lender and we do not collect credit applications. We will never ask for your Social Security number, date of birth, or income by phone, text or email — that information belongs only on a lender’s own secure system. Anyone claiming to be us and asking for it is not us. Terms, rates, and eligibility are set by the lender based on your own credit history. We are not affiliated with any of the lenders listed and are not compensated for any loans obtained through them.

Why a personal loan, not an auto loan

Auto loans and collector-car loans are secured by the car, so the lender needs a US title to put its lien on. Until the car clears customs and is titled here, it only has Japanese export paperwork. Collector-car lenders say so directly: a JDM import must have a US title and must have cleared customs. A personal loan is approved on your credit and income instead, so the car’s age, location and paperwork don’t matter. We recommend using personal loan products available through your bank.

SoFi

  • Unsecured Funding: A personal loan is not tied to the car as collateral. This means SoFi does not require a vehicle inspection, a specific VIN, or age limits, which standard auto lenders often reject for foreign imports.

  • Loan Amounts & Terms: You can borrow anywhere from $5,000 to $100,000 with fixed monthly payment terms ranging from 2 to 7 years.

  • No Fees: SoFi charges no origination fees, no prepayment penalties, and no late fees.

  • Credit Requirements: To qualify for larger amounts (like $50,000 to $100,000), you typically need a strong credit score (generally 670 to 720+) and verified income.

Truist

  • Loan Amounts: $5,000 to $100,000.
  • Vehicle Restrictions: No restrictions on car age, mileage, or a physical vehicle appraisal, which makes it easier to finance older Japanese imports (such as Skylines, Silvias, or Kei trucks) that standard auto lenders reject due to short or 17-digit-alternative VINs.
  • Terms: Fixed rates, no origination, late, or pre-payment fees, and same-day direct-to-buyer funding.
  • Requirement: Strong, good-to-excellent credit is mandatory since the loan is unsecured (no car used as collateral)

KeyBank

  • Loan Amounts: $2,000 to $50,000
  • Terms: Up to 84 months
  • Quick funding: 1–3 business days, $0 origination fees, and you receive the title cleanly in your name right away.

Collector Car Lenders

Woodside Credit

Woodside Credit provides financing for classic JDM vehicles over 25 years old with a selling price above $20,000.

JJ Best Banc & Co.

General requirements include good to excellent, established credit, a downpayment of at least 10% toward your purchase, verifiable income and a good debt-to-income ratio. provide funds for the purchase of classic or collector vehicles. ‘Classic’ includes almost any car or truck built before the year 2000. They do not provide loans for everyday driving vehicles.

Collector Car Lending

The trusted lenders CCL partners with do provide financing options for imported vehicles. To qualify, the vehicle must have a U.S. title and must have successfully cleared customs.

Are you a rural mail carrier looking for a reliable RHD vehicle for your mail delivery route? Check with these lenders to see if you qualify.

Center Parc Credit Union

USPS Federal Credit Union

You must be a member to apply or be eligible for membership.

Do you live in the Pacific Northwest? You may be able to join local credit unions or community bank in your area.

Gesa Credit Union

  • Residency or Activity: You live, work, worship, or attend school anywhere in the State of Washington.

  • Idaho or Oregon: You reside in select counties in Idaho (18 counties, including Ada, Canyon, and Kootenai) or Oregon (22 counties, including Multnomah, Washington, and Lane).

  • Family Connection: You are a close relative of a current Gesa member.

Great NorthWest Federal Credit Union

Membership at Great NorthWest Federal Credit Union is open to all who live/work or worship in Grays Harbor, Pacific, Lewis, Mason, Wahkiakum, Clallam, Jefferson or Thurston counties -OR- have a family member who does.

Kitsap Credit Union

  • Live in Washington State
  • Work in Washington State
  • Worship in Washington State
  • Attend School in Washington State
  • Have immediate family who are Kitsap Credit Union members

Navy Federal Credit Union

If standard auto loan guidelines require traditional state titling hurdles on JDM imports, ask their team for an Unsecured Personal Loan.

USAA

USAA personal loan options allow buyers to complete quick cash purchases on 25+ year-old JDM imports without lien delays.