How Does Import Car Finance Work in the UK?

Struggling to afford a car in today’s cost-of-living crisis? You’re not alone. With prices soaring, more UK drivers are turning to a clever money-saving trick: buying an imported vehicle. But how does financing an import car work—and is it right for you? Let’s dive in.

Why Are Import Cars So Much Cheaper?

Imported cars—especially from Japan—often come with a lower price tag than UK-built models. Wondering why? Here’s the breakdown:

• Lower UK demand: Unique specs on imports don’t suit every buyer, driving down their cost.
• Japan’s strict rules: Tough vehicle laws mean Japanese drivers swap cars often, flooding the export market with affordable used options.
• Top-notch condition: Japan’s smooth roads and mild climate mean less rust, lower mileage, and better value compared to UK cars of the same age.

For example, a 5-year-old Japanese import like a Toyota Prius might cost 20-30% less than a UK equivalent—and still have half the mileage!

The Perks of Going Imported

Thinking about an import? Here’s why it could be a game-changer:

✅ Low mileage: Japanese imports often clock fewer miles than UK cars.
✅ Like-new condition: Less wear and tear means more reliability.
✅ Standout models: Ever dreamed of a Nissan Skyline or a high-spec Mazda? Imports unlock rare finds.

Of course, there’s a catch—financing them isn’t always straightforward. Let’s explore.

Can You Finance an Imported Car?

Yes, but it’s not a walk in the park. Mainstream lenders often shy away from import cars. Why? Unique specs and missing UK service histories make them trickier to value or resell.

The good news? Specialist providers—like us at Happy Motor Finance—get it. We partner with lenders who love imports as much as you do, offering deals for all credit types. Good credit? Bad credit? We’ve got you covered.

How Happy Motor Finance Makes It Easy

At Happy Motor Finance, we take the headache out of financing your imported ride. Here’s why drivers trust us:

✔ Import experts: We work with lenders who know the import market inside out.
✔ Bad credit friendly: Less-than-perfect credit? You’re still in the driver’s seat with us.
✔ No credit risk: Check your eligibility with a soft search—no dings to your score.

Worried about parts or repairs? Many imports share components with UK models, and specialist garages are more common than you think.

Ready to Roll? Start Today!

Why overpay for a UK car when your dream import is waiting? Click below to kick off your application—no impact on your credit score, no fuss.

👉 Apply for Import Car Finance Now

Quick FAQ: Your Import Finance Questions Answered

Can I finance a Japanese import?
Absolutely! We’ll connect you with lenders who specialise in Japanese gems.

Is insurance pricier for imports?
It can be, due to specialist parts. Shop around—some insurers offer import-friendly deals.

What about bad credit?
No sweat! Our bad credit lenders say “yes” when others won’t.

Are imports road-legal in the UK?
Most need an Individual Vehicle Approval (IVA) test. We can guide you through it.

Don’t let high prices hold you back. Get behind the wheel of your perfect import car today—apply now and drive away happy! 🚗💨