FAQ
Frequently Asked Questions
Common questions about in-house auto loans and used car purchase in Gifu. If your question isn't here, feel free to contact us on LINE.
In-house financing: the basics
If you are worried the in-house loan screening in Gifu will not go through
Being turned down by a credit company is not the end of the conversation. An in-house loan is judged by our own criteria, so what mattered there does not automatically decide the answer here. Below are the questions we are asked most often by people in exactly that situation.
I am worried the in-house loan screening in Gifu will not go through. Can I just ask first?
Yes, asking is welcome on its own. An in-house loan does not go through a credit company; we judge it by our own criteria, so an earlier screening result is not automatically the answer here. We will hear your situation and tell you honestly what is possible and what a manageable payment would look like.
A loan elsewhere was declined. Can I still buy a used car?
We also take enquiries from people whose applications were declined elsewhere. What matters is where you are now and whether the payments are ones you can keep making. Tell us the car you want and your budget, and we will build it from there.
What will you ask me during screening?
Where you live, your work situation, and the monthly figure you can manage comfortably — the things needed to keep you in the car for the long run. It is not an interrogation, so please speak freely.
What is an in-house loan?
It is an installment plan contracted directly with our shop, without a credit company. Because our screening criteria are our own, even those anxious about credit screening may be able to buy a used car.
Can I buy a used car on in-house loan in Gifu even if I'm anxious about screening?
Yes. Our in-house loan does not go through a credit company and is judged by our own criteria, so even those who found credit screening difficult may still be able to buy a used car. Please consult us first.
How is an in-house loan different from a normal (credit company) loan?
A credit company's loan screens credit history by uniform criteria. An in-house loan is judged directly by our shop with our own criteria, so we can consider your current situation and ability to pay, not only the past.
Are there interest or fees?
Payment terms vary by vehicle and contract. Before you sign, we explain the total amount including any interest and fees, and your monthly payment, in plain language. Please ask us anything you are unsure about.
Do I need a down payment?
We are flexible about whether a down payment is needed and how much. Even with a small down payment, we propose a plan with no strain, so please tell us your budget first.
Do I need a guarantor?
It depends on the contract. After carefully hearing your situation, we will let you know if one is needed. Feel free to consult us about this too.
How much will the monthly payment be?
It depends on the vehicle price and number of payments. We propose an amount with no strain on your household, matched to your budget and lifestyle, and explain the details during your consultation.
How many payments can I choose?
The number of payments can be set through consultation. We propose a comfortable number, balancing your monthly burden with the total amount.
Can I make bonus-season payments?
Payment methods can be adjusted through consultation. If you would like larger payments at bonus time, let us know and we will reflect it in the plan where possible.
Can I discuss my payments partway through?
Yes. If your circumstances change after signing, please contact us first. We do our best to work with you so you can keep driving with peace of mind.
Screening — including past credit trouble
Can I consult in English?
We may not always have English-speaking staff present, but we strive for clear communication and will do our best. Please feel free to contact us in English.
I've failed credit screening before — can I use it?
Yes. Our in-house loan is judged by criteria separate from a credit company's screening. Those who did not pass in the past are welcome — please consult us first.
Can I consult you if I've had bankruptcy or debt restructuring?
Every situation is different. Please tell us about yours first. We listen carefully, including past circumstances, and think through possible options together.
Can I apply if I've been at my job only a short time?
Yes. Those who recently changed jobs or have short tenure are welcome. Because we use our own criteria, we do not judge by length of employment alone.
Can part-timers or the self-employed be screened?
Yes. We handle various income types. Part-timers, casual workers and the self-employed are welcome to consult us, and we propose options to fit your situation.
Can pensioners use the in-house loan?
Please consult us. Regardless of the form of income, we listen to your situation carefully and propose a workable plan.
How long does screening take?
It varies by situation, but we respond as quickly as we can. Many customers tell us our quick response helped them. If you are in a hurry, please let us know.
What do I need for screening?
Nothing in particular is needed for an initial consultation. When you proceed to a contract, we will guide you on the required documents such as identification, individually.
Can I consult about screening before choosing a car?
Yes. Before deciding on a car, you can consult us first about screening and a rough payment guide, so you can plan with confidence before proceeding.
If I consult you, must I sign a contract?
No. Consultation and estimates are free, with no obligation to sign. Please take your time to consider.
Can I consult you privately, without my family knowing?
We respect the privacy of your consultation. If you have concerns, please let us know — including how you would prefer to consult.
Area & delivery — Gifu City, Ogaki, Kakamigahara, Hashima
If you need the car sooner
Delivery timing is one of the most common questions. Here is the honest answer.
How quickly can the car be delivered?
It depends on the car and on how the paperwork moves, so we cannot promise a fixed turnaround. If you are in a hurry, say so at the start: we will tell you what can be tightened and what cannot, then move as fast as the situation allows.
How far do you cover — Ogaki, Gifu City and beyond?
We cover the whole of Gifu Prefecture — Gifu City, Ogaki, Kakamigahara, Hashima, Mizuho, Motosu and more — and deliver across the Tokai region.
Can I consult and buy from Ogaki?
Yes. Customers also come to us from Ogaki. If visiting is difficult, you can also consult us by LINE or phone.
Can you deliver outside Gifu Prefecture?
Yes. We deliver to Aichi, Mie and the wider Tokai region. Delivery method and cost vary by area, so please inquire.
How long until delivery?
It depends on the vehicle's condition and the paperwork. Since we deliver after inspection and servicing, we give you an estimated schedule during your consultation.
Can you deliver to my home?
We accommodate this depending on the delivery area and vehicle. Tell us your preferred delivery location and we will help where possible.
Do I need a reservation to visit?
You can consult us without a reservation, but contacting us beforehand by LINE or phone lets us assist you more smoothly.
Is there parking?
Yes, we have parking available. Just enter our address into your car navigation.
Where are you and how do I get there?
We are at 1-8-7 Hosobata, Gifu City. There is parking on site, so just pull in. Ask us on LINE or by phone if you need directions.
Used cars we handle (Prius and more)
Can I get popular models like Prius or Noah on in-house loan?
Yes. Prius, Noah, Voxy, Aqua and other popular models are available on in-house loan. Tell us your preferred model, budget and monthly payment.
What kinds of cars do you handle?
We handle a wide range, from light cars and compacts to minivans and SUVs. We propose a car that fits life in Gifu.
Can I buy a light car on in-house loan?
Yes. Light cars, which have low running costs, are available on in-house loan and are popular as a first car.
What if the model I want isn't in stock?
Tell us the car you are looking for. We can search for a vehicle that matches your desired model and conditions, including cars not listed.
Where can I see the latest stock?
We update the latest arrivals on Instagram (@car_connections_). If a car catches your eye, feel free to inquire.
Can I take a test drive?
Yes, test drives are available. Please check the ride and usability before deciding. Let us know when you would like one.
Can you buy back or take my current car in trade?
Yes. We also buy back and take trade-ins of your current car. We support smooth switching, so feel free to ask for a valuation.
Inspection, maintenance, buy-back & aftercare
Can I get inspection and maintenance after purchase?
Yes. Beyond sales, we handle inspection, servicing, repair, bodywork, painting, tire and oil changes, so you can rely on us with peace of mind after buying too.
Does a used car still need inspection?
Yes, every car needs a statutory inspection periodically. When the time comes, we will tell you what we can handle ourselves and what we refer to a partner workshop.
Do you inspect the car before delivery?
Yes. We inspect and service each car before handing it over. Being open about the car's condition and the payment plan is our way of working.
Can you do bodywork and painting for dents?
Yes. We restore dents and scratches to their original shape and paint to match the original color for a beautiful finish. Please consult us about the extent of the damage.
How often should I change the oil?
It depends on the car and how you drive, but regular oil changes keep the engine healthy longer. We advise the right timing for your car.
Can I consult about tires?
Yes. We help you choose tires suited to safety and comfort, and handle replacement and rotation. Please tell us your driving conditions.
Can you help if I have a breakdown or trouble?
Yes. We take consultations for trouble after purchase. Please rely on us as a nearby shop that looks after everything about your car.
Can I consult you about insurance?
Yes. From choosing a car to loans and insurance, our experienced staff support your whole car life. Feel free to ask about insurance too.
Consultation & Others
What are your business hours and closed days?
Our hours are 9:00–18:00, Monday through Saturday. We are closed on Sundays and public holidays.
How can I contact you?
Free consultation via our official LINE account is convenient. You can also reach us by phone (058-213-6445) or by DM on Instagram.
Are consultation and estimates free?
Yes, an initial consultation and estimate are free. Ask us about your budget, desired car or loan worries, with no obligation to buy.
What payment methods do you accept?
We accept cash and our in-house loan (installment plan). Please ask us about any other payment method.
Related: the complete in-house loan guide / the cars we handle / contact us
Last updated: 15 August 2026