Finance your import.
Interested in financing a JDM or Japanese import? Share a few details about the vehicle and your budget and our US team will follow up with financing options within one business day.
Where to start
Lenders that finance imports
A typical bank auto loan quietly rules out anything over a decade old, which is every vehicle we import. These lenders specialize in classic, collector, and enthusiast vehicles instead — the category a 25-year-rule Japanese import actually belongs in. Apply directly with whichever fits you, and we'll handle the vehicle side.
LightStream
Unsecured classic car loans · a division of Truist Bank
LightStream lends against your credit rather than the car, so there is no lien, no appraisal, and no vehicle inspection to schedule. Funds land in your bank account, which means an import we are still sourcing is just as financeable as one sitting in our inventory.
Best for: Buyers who want to shop like a cash buyer
Woodside Credit
Collector car financing built around low monthly payments
Woodside stretches collector car loans across terms far longer than a normal auto loan, which is how the same vehicle ends up with a dramatically smaller monthly payment. Interest is simple, so paying ahead or paying off early costs you nothing extra.
Best for: Keeping the monthly payment as low as possible
Collector Car Lending
Specialty lending for collector and enthusiast vehicles
A dedicated collector car lender that underwrites the vehicle as an enthusiast asset instead of pulling a book value that barely exists for a right-hand-drive import. Useful when a bank has already told you the car is too old or too unusual to finance.
Best for: Cars a book-value lender does not understand
J.J. Best Banc & Co.
Classic, antique, and exotic vehicle loans since 1993
One of the longest-running names in classic car lending, J.J. Best has spent decades financing the kind of vehicles mainstream banks decline. Applications are quick and they are used to loans where the car itself is the reason you are borrowing.
Best for: A fast answer on an unusual vehicle
Pacific JDM is not a lender or a broker and does not provide in-house financing. These companies are independent of us — all rates, terms, eligibility, and approval decisions are theirs alone. Confirm with any lender that they finance right-hand-drive imported vehicles before you apply.
The process
How financing an import works
Know your all-in number
We quote the full landed cost — vehicle, freight, customs, compliance, and delivery — so you borrow the right amount instead of guessing at the port.
Apply with a lender
Choose the lender that fits your situation and apply on their site. They pull credit, set your rate and term, and tell you what you're approved for.
Funding comes through
Unsecured lenders deposit the money into your account. Secured lenders typically pay the seller directly — we invoice them and handle the paperwork.
We deliver the car
With funding in place we lock in the vehicle and start the import, then track it through customs to your driveway while you make your monthly payment.
Request financing options
Fill out the form with as much detail as you can — the more we know about the vehicle and your budget, the faster we can come back with options. Everything is reviewed by a person, not a bot.
- The vehicle you want, or the spec you'd like us to source
- Your all-in budget, including shipping and customs
- How much you plan to put down
- A rough sense of your credit range and income
- When you'd like the car in your driveway
Prefer to talk it through? Call 877.536.2477 or email sales@pacificjdm.com.
Good to know
Financing FAQ
- Does Pacific JDM offer in-house financing?
- No. We aren't a lender or a broker. We help you put the numbers together — the all-in landed price of your import — and point you to specialty lenders that finance classic, collector, and imported vehicles. Rates, terms, and approval are set by the lender.
- Can you finance a 25-year-old Japanese import?
- Often, yes. Standard bank auto loans usually cap vehicle age, which is why a 25-year-rule import gets declined. Collector and classic car lenders exist for exactly this kind of vehicle. Eligibility still varies by lender, so ask about right-hand-drive imports up front.
- Will the form on this page affect my credit score?
- No. Submitting this form is an inquiry to our team, not a credit application, and it involves no credit pull of any kind. Any hard inquiry happens later, and only if you choose to apply directly with a lender.
- Can I finance a vehicle you haven't sourced yet?
- Yes. Because we quote one all-in price that covers the vehicle, freight, customs, and compliance, you can line up financing before we secure the car. Unsecured lenders are especially straightforward here since the money is deposited to you.
- How much of a down payment do I need?
- It depends on the lender, the vehicle, and your credit — some collector lenders expect a meaningful down payment, others fund the full amount. Tell us the number you're comfortable with and we'll factor it into the options we send back.
- Can I use my own bank or credit union instead?
- Absolutely, and it's worth a call — credit unions are often competitive. Just confirm they'll lend on an imported vehicle over 25 years old before you count on it, since many mainstream auto loan programs won't.
Paying without financing? See the payment methods we accept.