Car loan calculator
Japan Car Loan Calculator 2025
Calculate accurate monthly payments and total costs for your car financing in Japan
✓ Bank loans • ✓ Dealership financing • ✓ Foreign resident options
Choose Your Loan Type
🏦 Bank Auto Loan
Traditional financing from major Japanese banks
Best rates, strict approval
🚗 Dealership Financing
Convenient financing through car dealers
Fast approval, promotional rates
🏪 In-House Financing
Direct financing from dealer without third party
Flexible approval, higher rates
Loan Details
Your Profile
Calculating your loan details...
Japan Car Loan Guide
Bank Loans
Traditional bank auto loans offer the lowest interest rates (1-4%) but require stable income, good credit history, and often permanent residency. Best for financially stable borrowers.
Dealership Financing
Convenient one-stop financing with flexible approval criteria. Rates vary (2-8%) but often include promotional offers like 0% financing for qualified buyers.
Foreign Residents
Special programs available for non-Japanese nationals. Visa status, employment stability, and having a guarantor significantly impact approval chances and rates.
Required Documents
Typical requirements include residence card, proof of income, Japanese driver's license, employment certificate, and possibly a guarantor for foreign applicants.
FAQ
How does the Japan car loan calculator work?
Our car loan calculator helps you estimate your monthly payments based on the vehicle price, down payment, interest rate, and loan term. Just input your details, and we’ll show you a clear breakdown of costs—including total interest and payment schedule.
Can I use the calculator even if I’m a foreigner in Japan?
Yes, the calculator is designed for everyone—including foreign residents. It helps you compare financing options whether you choose a bank loan, dealership financing, or in-house plans tailored to expats.
What’s the difference between bank loans and dealership financing in Japan?
Bank loans usually offer lower interest rates but require strong financial credentials and sometimes permanent residency. Dealership financing is faster and easier to get approved for, often with promotional offers, but rates are generally higher.
Are there any car loans for people with short-term visas?
It’s possible, but approval can be more difficult. You’ll likely need a guarantor, proof of income, and sometimes additional documentation. Some dealerships offer flexible in-house financing options for short-term residents.
What interest rate can I expect on a car loan in Japan?
Interest rates vary by lender and your profile. Bank loans range from 1.0% to 4.0%, dealership loans from 2.0% to 8.0%, and in-house financing can go up to 12.0%. Your income, visa status, and credit history will all affect the rate offered.
What documents do I need to apply for a car loan in Japan?
Typically, you’ll need your residence card, proof of income, employment certificate, Japanese driver’s license, and sometimes a guarantor—especially if you’re a foreign resident without permanent residency.
How long are car loan terms in Japan?
Loan terms typically range from 12 to 84 months. The most common durations are 36, 48, or 60 months. Longer terms reduce monthly payments but increase total interest paid over time.
Can I repay my car loan early?
Yes, most lenders allow early repayment, but some may charge a penalty. It’s best to ask your lender about early repayment conditions before signing the contract.