FINANCING AND SHIPPING INFORMATION
Loan / Insurance / Shipping Information
The Import Collective can provide you with information on financial institutions that can assist with your financing, as we do not offer in-house financing. There is NO CHARGE when applying for financing through these companies. An approval does not commit you to the purchase. Get approved for the MAXIMUM amount you are looking to borrow, and ask if sales tax, registration, and transport fees can be included in the total finance loan amount if needed.
Financial Institutions Website
J.J. Best Banc & Co. provides collector car financing to the most well-qualified borrowers. Borrowers typically need a credit score of at least 660 and a down payment of at least 10-15%. In addition to the standard requirements, J.J. Best Banc & Co. also requires at least a 1-year history of repaying an auto loan.
For borrowers who qualify, JDBest offers highly competitive terms. The lender has also been around since 1993, making it one of the oldest collector car lenders in the country.
Available Rates: Rates subject to qualification
Credit Requirements 660+ FICO minimum
Loan Terms 60-84 months
Loan Amounts $6,000- $2,000,000
Down payment: 10-20% required
Requires at least a 1-year history of repaying an auto loan. Collateral verification is required and may range from an independent inspector doing a physical verification of the vehicle to an appraisal.
Collector car lending is positioned to help borrowers who have special lending needs. CCL works with multiple lenders and only finances collector vehicles (not daily drivers) and thus is familiar with the many unique situations that arise when financing these cars. Applicants need a credit score of at least 600.
Borrowers who have special financing needs should check with Collector Car Lending. Although the name might not be well-known, Collector Car Lending is a division of Trailer Solutions Financial. Trailer Solutions Financial has been financing RVs, boats, and trailers since 2001.
Available Rates: Rates subject to qualification
Credit Requirements 600+ FICO minimum
Loan Terms 60-144 months
Loan Amounts$10,000 minimum
Downpayment10-20% required
If you are purchasing a vehicle from a private seller, a collateral verification and appraisal will be required.
CCL requires a comparable installment history to qualify for this type of recreational loan. The installment loan must be an equal or greater value than the requested loan amount.
Light Stream 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 Japanese 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. (We may be compensated by Light Stream
through this link.)
Available Rates Competitive Fixed Rates
Crédit Requirements: to an excellent credit profile only
Loan Terms Flexible Rates
Loan Amounts: $5,000- $100,000
Downpayment No fees, no prepayment penalty
Unsecured Loans: Forget liens or lien holder paperwork. There are no LTV, age, model, or mileage restrictions, plus there is no collateral required.
Woodside Credit structures auto loans to ensure the lowest possible monthly payments. Competitive interest rates and highly flexible terms -- including up to 180 months -- allow drivers to structure a Japanese collector car loan so that it works for them.
Extending a loan out so long allows drivers to purchase more valuable cars while maintaining manageable monthly payments. A 15-year loan would be too long for most cars, but not necessarily when financing a collector car that’ll be kept for decades (and may be worth up to $800,000).
Any borrower who wants to purchase the most valuable Japanese classic car they can afford should check Woodside Credit’s financing options. The lender has unwritten more than $2.5 billion in loans over 20+ years.
Available Rates: Rates vary case by case
Credit Requirements: 700+ FICO minimum
Loan Terms: Terms up to 180 months (15 years)
Loan Amounts: $10,000 - $1,000,000+
Downpayment$10,000 minimum
Minimum vehicle purchase price must be $20,000. Requires 5 years of credit history and no bankruptcies, repos, or foreclosures.
Requirements: Minimum requirements are entirely situational, based on your personal credit history and desired loan amount.
Contact our sales number for any questions related to finance with Navy Federal Credit Union.
Requirements: Minimum requirements are entirely situational, based on credit history and desired loan amount.
We are proud to offer a $350 discount to all Active-Duty clients and Veterans.
Insurance Information
Contact your insurance company directly or one of the following to assist you with your classic car insurance needs.
Let the insurance agent know the vehicle is a Japanese-imported classic and the VIN is shorter than USA VINs. They need to add zeros to the end to complete the required 17-digit VIN.
Specialty Classic Car Insurance Companies
Shipping Information
The Import Collective Team strives to make your purchasing experience as easy as possible. Remember, our assistance is just a phone call away.
We encourage our buyers to research and contact a licensed, insured, and reliable transport company of choice to handle their shipping needs.
It is recommended that a quote for the costs be obtained before placing an order, paying a transportation professional, or signing any shipping agreement. When arranging for shipping, it is highly advisable that the purchaser first sets and confirms a pickup date and time with us before the driver arrives at our showroom. Our office hours are from 10 AM to 5 PM, but we need time to prepare the vehicle for delivery.
It is important to verify that the loan has been approved by the financial institution and received/cleared by The Import Collective before sending the driver to transport the vehicle.
ALL TRANSPORT PICKUP APPOINTMENTS MUST BE CONFIRMED BY The Import Collective - PLEASE DO NOT SEND DRIVERS WITHOUT AN APPOINTMENT, OR FINANCIAL LOAN APPROVAL AND CLEARANCE FROM THE IMPORT COLLECTIVE.
Documents Needed from Transport Company
Please have the transport company provide The Import Collective with the following documents when picking up the vehicle:
1. Copy of the completed Bill of Lading with your name and shipping address.
2. Copy of the transport company's valid insurance card.
In addition, ask the driver to take photos of the vehicle at the time of pickup for your records.
