RResidents in Japan

Loaning for a car

I am currently paying my house and have a loan for solar panels. I wanted to try and get a car loan but when they tried me “shinsa?” They said it didn’t got approved. Any advice is badly needed. Thanks 🙏

5 comments

  1. They probably think you have too many loans already. If getting paid more isn’t an immediate option, I guess settling for a cheaper used car for the time being is an option.

  2. Did they tell you why you didn’t get the loan? Is your income sufficient to cover the car loan in addition to the other two loans? Do you have a Japanese spouse, partner or friend who could guarantee the car loan for you?

  3. Usually the loan of a house isn’t a problem
    Having your own house should make things easier to get a loan for a car.
    But depending on your income, the loan of the car and the loan of the panels, it could get difficult.

  4. The loan is calculated by your income, Perhaps your income is not sufficient to support third loan and company sees you as a risk. If you have spouse and is a full time employee you can try taking the loan on your spouse name. That’s what i did.

  5. Thanks all! I’m gonna try for a Jisha loan if I didn’t get accepted again (I’ma try for another)

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