Frequently asked questions

You can choose up to 10 years.

Ours is an instalment contract, so the interest rate is 0%. We charge no interest at all.

* In principle, cars priced at 2 million yen or less are up to 6 years, and cars over 2 million yen are up to 10 years. We can also discuss the number of payments depending on your situation.

Don't worry.

Even if screening is difficult for you with other loans, you are likely to pass at CarMax.

If you have other payments, please feel free to talk to us first.

Yes, you can.

You can talk to us whatever your type of employment.

People receiving a pension, full-time homemakers, and people receiving public benefits such as a disability pension can also buy.

Please feel free to talk to us first.

Don't worry. You can buy with no down payment.

However, the larger the down payment, the easier it is to pass screening, and the easier it is to keep the monthly payment and the total down.

We can also discuss bonus payments, so please feel free to ask.

Yes, you can.

We run our business with the thought that one stumble should not make you give up on a car.

You can talk to us if you are worried about your credit record because of bankruptcy, debt restructuring, late payments or financial trouble, if you were refused elsewhere, or if you have many loans with other companies.

Please feel free to contact us first.

Please don't worry.

We were founded in 1998 and have operated as a company for many years.

We also keep the largest stock among in-house loan dealers across Japan.

For people new to in-house loans, we explain the contract and the payments clearly.

If you have any other worries, please feel free to ask.

Of course.

If you would like bonus payments, please tell our staff at the time of screening.

You can also pay off the remaining balance in a lump sum partway through.

The interest rate is 0%.

We charge no interest, so interest never increases your total payment.

You can buy once the discharge decision notice has been issued.

If the procedure is still in progress, our advice depends on your situation, so please talk to our staff first.

You can pay by automatic transfer or bank transfer.

In some cases, payment by credit card or PayPay is also possible.

We are moving towards cashless payment, so we ask you to avoid paying in cash where possible.

If you have a reason, we can accommodate it, so please talk to our staff.

Basically you need a photo ID and a seal registration certificate.

The documents needed can differ with your situation, so our staff will give you the details.

You can also buy a car if you do not have a driver's licence.

Any adult can talk to us, with no upper age limit.

Elderly people, and people whose only income is a pension, can also buy.

We can also discuss paying two months together to match the day your pension is paid.

It is relatively easy to pass.

Our in-house loan is completed entirely in-house, without a credit company.

That is why it is easier to pass than other in-house loans, and the screening pass rate in 2025 was 98%.

If you are worried about passing, please go ahead with a pre-screening first.

You can buy even without a guarantor.

However, depending on the result of your screening, we may ask for a guarantor.

Our staff will explain the details at the time of screening.

Yes, you can.

Contracts in the name of a company or sole proprietor are also possible.

For a company contract, the representative basically needs to be the guarantor.

It depends on the plan.

On the lowest-price plan you basically pay only the price of the car.

On the all-inclusive plan, you can include in the monthly payment:

- the price of the car

- automobile tax

- weight tax

- compulsory liability insurance

- vehicle inspection costs

- voluntary insurance

- vehicle insurance

- our own vehicle warranty

- maintenance costs

and more.

On the all-inclusive plan, the only running cost you basically pay yourself is fuel.

Yes, it is possible.

We handle it according to your situation, so please talk to our staff at the time of screening.

First, we think together from the stage of choosing the car so that the payments are manageable.

If the payments look like becoming difficult after that, please be sure to tell us beforehand.

We look at your payment record so far and your circumstances, and consider how to respond for each customer.

No, not every car has a repair history.

We may buy cars whose repair history is minor and does not affect driving, but whose price has dropped a lot.

But it is not the case that every car has a repair history.

If a car interests you, we honestly explain whether it has a repair history, and its details.

We are also reducing the number of cars with a repair history we handle, year by year.

Please don't worry.

We do not buy cars with a very large repair history.

Every car that comes in is test-driven, and cars where a fault is found are not displayed or listed.

We also carry out a check and service before delivery, and hand the car over with a warranty, so you can buy with confidence.

Of course.

We take part in auctions across Japan, so we can also search for a car to match your wishes.

However, considering how quickly you can get the car, choosing from the cars in stock is the fastest and the one we recommend.

If you have a request, please talk to our staff first.

Of course.

We buy any car for at least 20,000 yen.

If another company has given a valuation, show us something that shows the amount and we will always value it higher.

You can also use your current car as a down payment, or, depending on conditions, use it as security to buy your next car.

Please talk to our staff for details.

We can do that.

We can change custom parts, wheels, navigation and other parts before delivery.

Parts and labour are charged separately, but depending on your screening result they can be included in the monthly payment.

Some work may not be possible, so please talk to our staff first.

Of course.

If you would like a number plate of your choice, coating, wheels, navigation or other custom work, please feel free to ask.

Please contact us first.

Depending on the fault, we first respond under the vehicle warranty.

If it is not covered by the warranty, we use the vehicle insurance; if that cannot cover it either, the repair is at the customer's cost.

If a lump-sum payment is difficult, depending on the case we may split it and include it in your monthly payment.

Yes, we do.

We provide a courtesy car when needed, for repairs or breakdowns.

Of course.

The number of insurance agencies has fallen in recent years, but we still operate as an insurance agency.

You can also ask us about voluntary insurance and vehicle insurance together with buying your car.

In principle the car cannot be changed after the contract.

If you have a reason, we will look at the details and talk it over with you.

Please contact our staff first.

On average we deliver within 3 days to 4 weeks from the start of negotiations.

This can vary depending on how the documents are prepared and how busy the workshop is.

We will proceed so that delivery is as smooth as possible, so please bear this in mind.

Please don't worry.

CarMax has delivered all over Japan, and even customers who live far away can buy without visiting.

Using video calls and photos, we explain the car's condition and the contract until you are satisfied.

Yes, you can.

Besides collecting at the store, you can discuss delivery by transporter and other ways to suit your wishes.

Yes, it is possible.

We serve customers all over Japan.

If you live far away, please feel free to ask.