Buying a used car can be an exciting and cost-effective way to get behind the wheel of a vehicle you love. However, figuring out how to finance your purchase can sometimes feel overwhelming. At Jan Japan Motors Ltd, we make the financing process straightforward and stress-free. With competitive rates and a high success rate, we ensure you drive away happy.

Why Finance Your Used Car?

Financing a used car offers several advantages:

• Manageable Payments: Spread the cost of your car over a period that suits your budget.
• Upgrade Options: Afford a better car than you might be able to purchase outright.
• Build Credit: Timely payments can help improve your credit score.

Can I Apply with Bad Credit?

One of the most common concerns we hear from customers is: "I have bad credit. Can I still apply?"

The Answer: Yes, You Can!

At Jan Japan Motors Ltd, we believe in giving everyone a fair chance. If you have bad credit, you can still apply for car financing. Depending on your situation, we will try our best to present your application to the most appropriate finance company that will have higher chances of your application being successful. So, don't delay – let's apply today! Finance Application | Jan's Group (janjapan.co.nz)

How to Apply for Car Finance

Applying for car finance with us is easy. Here’s a step-by-step guide to help you through the process:

Step 1: Determine Your Budget

Before you start shopping, figure out how much you can afford to spend each month on car payments. This will help you narrow down your choices and avoid overstretching your finances.

Step 2: Choose Your Car

Visit our car yard or browse our online inventory to find the perfect used car for you. Our team is always ready to assist you in finding a vehicle that suits your needs and budget.

Step 3: Submit Your Application

Once you've chosen your car, our finance team will help you fill out a finance application. You’ll need to provide some basic information, including:

• Proof of Income: Recent payslips or bank statements.
• Proof of ID: A valid driver’s license or passport.
• Monthly Expenses: Details of your monthly outgoings, such as rent, utilities, and other obligations.

Step 4: Get Approved

Our finance partners will review your application. With an approval rate of over 80%, you have a great chance of securing the financing you need. If approved, they will provide you with the terms of your loan, including the interest rate, repayment schedule, and any fees.

Step 5: Drive Away

Once everything is in place, you’ll sign the finance agreement and drive away in your new car! It’s that simple.

Tips for a Smooth Financing Process

• Check Your Credit Score: Knowing your credit score can help you understand what to expect during the financing process.
• Gather Necessary Documents: Having all required documents ready can speed up the application process.
• Be Honest: Provide accurate information on your application to avoid delays or issues with approval.

Our Trusted Finance Partners

At Jan Japan Motors Ltd, we work with some of the most reputable finance companies to ensure you get the best possible financing options:

MTF (Motor Trade Finance)

MTF has been helping Kiwis get behind the wheel since 1970. They offer flexible financing options and cater to all three tiers of credit applications: good, fair, and poor credit. With competitive rates, MTF ensures you get a fair deal that fits your financial situation.

Finance Now

Finance Now specializes in providing fast and flexible finance solutions. They offer a variety of loan products tailored to meet the needs of used car buyers. Their quick approval process means you can drive away in your new car sooner than you think.

CFS (Community Financial Services)

CFS is known for its personalized approach to car finance. They also process all three tiers of credit applications, ensuring that everyone has a fair chance of securing financing. With reasonable rates and a high approval rate, CFS makes car ownership accessible.

Conclusion

At Jan Japan Motors Ltd, we’re dedicated to making your car buying experience as smooth and enjoyable as possible. Whether you have excellent credit, fair credit, or bad credit, we have financing options to suit your needs. Visit us today to find your perfect used car and explore your financing options. Let us help you drive away in your dream car!

Ready to explore? Let's Go Finance Application | Jan's Group (janjapan.co.nz)