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In our grey import car loans guide:
Many lenders in Australia will provide finance for a Nissan Skyline and “grey import” vehicles.
BUT most won’t allow you to secure the loan using the car.
Instead, you may be able to get an unsecured loan to fund the purchase.
See, grey imports are typically imported from Japan, the United States, or areas of Europe.
They arrive in Australia having already been used overseas.
not the same as buying a used car that was originally sold as new in Australia.
Lenders are wary of offering secured finance for these cars.
It may still be possible to get finance for a Nissan Skyline or other grey import vehicle.
Applying for unsecured finance may be the best approach.
In other words, a personal loan.
This kind of finance can be used for almost any purpose.
But the fees and interest rates can be higher than what you’d get with a secured loan.
Here’s what you can expect with this kind of finance:
Without an asset to secure the loan against, the lender will look closely at your financial situation.
Essentially they’re checking to make sure you can comfortably afford the loan.
They’ll assess your income, other expenses and debts, and they’ll check your credit history and score.
It’s one thing finding a loan to finance a Nissan Skyline or other grey import.
Knowing how much to borrow and how the finance could be impacted by HOW you buy the car are different things entirely.
Remember, when you’re working out how much to borrow and what your repayments will be, you’ll need to make sure you can also afford the car running costs.
These can be significant on an imported vehicle.
Car insurance alone could cost thousands of dollars per year.
With a secured car loan, the lender may only lend you enough to cover the vehicle cost.
In technical terms, there is a maximum loan to value ratio.
There aren’t the same restrictions with an unsecured personal loan.
This means you could be able to borrow more to cover other upfront and running costs.
Just be very careful not to borrow more than you can afford.
Firstly, if you are buying privately, you will need to check the vehicle’s history to determine whether it was sold new in Australia or imported as a used vehicle.
As discussed already, this will impact what kind of finance you can get.
It’s also important to get the vehicle properly checked to make sure it’s in good condition.
If you take out a loan to purchase a vehicle that turns out to be worthless, you’ll still need to repay the loan.
Mitsubishi Delica, Mitsubishi Galant, Mitsubishi Lancer Evolution, Mitsubishi RVR, Mitsubishi Starion
Nissan Elgrand, Nissan Silvia, Nissan Skyline, Nissan Terrano
Toyota Corona, Toyota Cressida, Toyota Crown & Caldina, Toyota Estima & Grand Hiace, Toyota Hilux Surf, Toyota MR2, Toyota Soarer, Toyota Supra
Chevrolet Camaro, Chevrolet Corvette, Honda NSX, Ford F150, Shelby GT350R, Shelby GT500
Importing a vehicle is common among car enthusiasts. But it’s a big undertaking.
Make sure you understand the rules on importing your own vehicle.
You can also view a list of eligible import vehicles listed on the Register of Specialist and Enthusiast Vehicles.
If the vehicle is not included in the list, you may be able to apply to have it added to the register.
Otherwise you can check if the vehicle type is already ineligible (along with the reasons for exclusion) to save yourself the time and money spent initiating an unsuccessful import process.
Finally, if you are planning on importing a left-hand drive (LHD) vehicle, make sure that you are eligible to register the car as a personal vehicle in the state you live in.
Most states will either ask that you modify the vehicle to right-hand drive, or only allow LHD of a particular age to be registered (between 15 and 25 years old).
Shopping around for the right loan can save you thousands of dollars in interest and fees.
Car Loans guides and resources
Where to next? Read our other car loan guides to understand more about your options for financing your next car.
*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.