About our in-house loans

Turning "I want to buy"into"I can buy"

Our ownin-house loans and leases

A truly original in-house loan, rare even in this industry

Why do customers choose CarMax in-house loans and leases?

Screening that is easy to pass

Screening that is easy to pass

CarMax does its own screening, with no credit company or guarantee company involved. That is why people who were refused elsewhere often pass with us. We look at each customer's situation and screen flexibly.

Over 7,000 cars sold!

Over 7,000 cars sold!

In 2026 CarMax passed 7,000 cars sold in total. Including cars that are not listed online, we always keep more than 400 cars in stock. From this wide range we show you the car that suits what you want.

We carry everything from kei cars to minivans, SUVs and imported cars, so you can choose to fit your budget, where you live and how you use the car. We explain each car's condition and repair history as clearly and honestly as we can. Every car is inspected and serviced before delivery, and we deliver anywhere in Japan, even to customers far away.

Peace of mind after you buy

Peace of mind after you buy

What we put most effort into is after-sales service. Every car comes with a one-year warranty, and we will always help with problems the warranty does not cover. Because we work with a warranty company, you can also extend the warranty for a fee, and we keep the extension cost as low as we can.

We aim for a relationship that lasts long after the sale. Letting you keep driving with peace of mind is what after-sales service means to CarMax.

Common reasons an auto loan is refused

  • A history of personal bankruptcy or debt restructuring
  • You have been late on payments before
  • You are self-employed and your income is uncertain
  • You changed jobs recently and have been there a short time
  • You are too young, or too old
  • You are affected by the total-amount cap on lending

A small stumble in the past turns "I want to buy" into "I can't buy"...

CarMax in-house loans and leases

You sign a contract directly with us, without a credit company.

Unlike an ordinary loan, we do not use a credit company: all screening is done in-house. So we do not judge only by past late payments or what you have borrowed elsewhere; we screen by our own standards. Even if you were refused a loan or lease elsewhere, you can use CarMax!

CarMax in-house loans and leases
CarMax in-house loans and leases

Can you buy? A quick check in one minute

Just answer 10 questions. This is not a screening, so your information is neither sent nor saved.

Take the one-minute check hereTake the one-minute check here

CarMax's strengths

  • 1.

    Proposals that stay close to you

    98% of applicants pass screening

    98%

    Buy the car you want!

    • Short time with your employer? Please talk to us
    • Refused for another loan? Please talk to us
    • Had financial trouble before? Please talk to us

    Whether you had financial trouble and were refused elsewhere, or have been with your employer only a short time, we stay by your side and make a proposal.

    • You can only pay 10,000 yen a month
    • Part-time, casual, contract workers and people living on a pension
    • New graduates starting work
    • Self-employed people
    • People with a financial-trouble history

    The harder it is for you to get a loan from a credit company, the more we can help

  • 2.

    More than 7,000 cars sold

    One of the largest stocks in Japan

    7,000 cars

    Total sold

    • One of the largest stocks in Japan
    • Honest about repair history
    • Delivery anywhere in Japan

    There is a reason we have built up this sales record. CarMax holds the largest stock among in-house loan and lease dealers across Japan. From this wide stock we propose the car that fits your wishes, your budget and your life.

    We explain each car's condition and repair history as clearly and honestly as we can. And so that customers far away can buy with confidence, we deliver all over Japan.

    • A wide variety of stock, so you can find the car you want
    • Honest explanations of each car's condition and history
    • Contract and delivery possible anywhere in Japan, however far away
    • How our in-house loan turns "I want to buy" into "I can buy"

    So you can welcome your ideal car as a partner

  • 3.

    Drive with peace of mind under warranty

    One-year free warranty

    One year

    free warranty

    • Unlimited repairs
    • 24/7, 365-day roadside assistance
    • Extension available for a fee

    To let you drive with peace of mind after delivery, CarMax provides a one-year free warranty. *1

    While you are paying over a long period, we help keep your worries about breakdowns as small as possible.

    • Free warranty for one year after delivery
    • During the warranty period, covered parts are repaired an unlimited number of times
    • 24/7, 365-day roadside assistance included free
    • The warranty can be extended for a fee

    *1 Warranty details and coverage may differ by car.