Can I apply for finance before my Japanese import has arrived in New Zealand?

Yes. Because we hold the vehicle's paperwork as soon as we've bought it at auction, we can begin, and often complete, your finance approval before it lands, so you're not left waiting once it does.

How do I know the condition of a car before I've seen it in New Zealand?

Every vehicle we import comes with its original Japanese auction grade sheet, an independent report from the auction house's own inspectors. We only buy vehicles graded 4 or above, and we keep every sheet on file, so you're welcome to request a copy before you commit.

What auction grade do 4Guys vehicles carry?

We only buy vehicles graded 4 or above on the Japanese auction condition scale. Buying at that standard means every import has already met a genuine quality bar before it lands here.

Does buying a car before it arrives change how finance works?

No. Your application is assessed the same way as any other vehicle, through UDC Finance, Finance Now, Marac Car Loans, or MTF, based on your income, expenses, and credit history. The only real difference is timing, we can get the paperwork moving earlier.

Do I need a deposit to finance a Japanese import?

Not necessarily. No deposit finance is available on Japanese imports the same as the rest of our range, approval comes down to your individual application rather than a fixed deposit requirement.

Can I request the auction grade sheet for a specific car?

Yes, for any vehicle, whether it's already on the yard or still on its way from Japan. Just ask our team and we'll provide it.

Who provides finance for Japanese imports at 4Guys?

The same lending partners we use across our range, UDC Finance, Finance Now, Marac Car Loans, and MTF.

Japanese Import Car Finance NZ

Finance for our range of Japanese imports, arranged from the moment we buy the car at auction, often before it's even landed in New Zealand.

Buy It Before It Even Arrives

We list our Japanese imports for sale as soon as we've bought them at auction, which means you can secure a vehicle before it's set foot in New Zealand.

Because we already hold the vehicle's paperwork at that point, we can get your finance moving early too. In most cases we can have your application approved before the car has even landed, so there's no waiting around once it arrives.

Every Vehicle Comes With Its Auction Grade Sheet

Every vehicle we buy from Japan comes with its original auction grade sheet, an independent condition report created by the auction house's own inspectors, not by us or the seller. We only buy vehicles graded 4 or above, so every car we import has already met a genuine quality bar before it's even landed in New Zealand.

We keep every grade sheet on file, and you're welcome to request a copy for any vehicle you're considering, whether you're financing it or paying cash.

How It Works

1. Choose Your Import

Browse vehicles we've already bought at auction, including ones still on their way to New Zealand.

2. Apply for Finance Early

We can begin your finance application using the vehicle's existing paperwork, often before it's even landed here.

3. Get Approved & Collect Your Car

Once you're approved and your vehicle has arrived and cleared compliance, you're ready to drive away.

Japanese Import Finance FAQs

Yes. Because we hold the vehicle's paperwork as soon as we've bought it at auction, we can begin, and often complete, your finance approval before it lands, so you're not left waiting once it does.
Every vehicle we import comes with its original Japanese auction grade sheet, an independent report from the auction house's own inspectors. We only buy vehicles graded 4 or above, and we keep every sheet on file, so you're welcome to request a copy before you commit.
We only buy vehicles graded 4 or above on the Japanese auction condition scale. Buying at that standard means every import has already met a genuine quality bar before it lands here.
No. Your application is assessed the same way as any other vehicle, through UDC Finance, Finance Now, Marac Car Loans, or MTF, based on your income, expenses, and credit history. The only real difference is timing, we can get the paperwork moving earlier.
Not necessarily. No deposit finance is available on Japanese imports the same as the rest of our range, approval comes down to your individual application rather than a fixed deposit requirement.
Yes, for any vehicle, whether it's already on the yard or still on its way from Japan. Just ask our team and we'll provide it.
The same lending partners we use across our range, UDC Finance, Finance Now, Marac Car Loans, and MTF.

See our Car Finance Questions Answered page for general application details, or our No Deposit Car Finance guide if you're financing without a deposit.

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