Vehicle Financing in Okinawa
Navigate Okinawa's unique financing landscape with competitive rates for military personnel and civilians
Okinawa's Unique Financing Market
Okinawa's automotive financing combines Japanese civilian banking with specialized U.S. military credit unions, creating diverse options with competitive rates.
Military Credit Union Rates
Exclusive rates and benefits for U.S. military personnel and families
Most Popular
Navy Federal Credit Union
3.84%
4.09%
0.25% with direct deposit
- 100% financing available
- Military discounts
- Okinawa branch location
Pentagon Federal Credit Union
3.79%
- Car buying service discount
- Military-focused
- Competitive rates
Car buying service not available overseas
USAA
4.09%
4.34%
0.25% with autopay
- Military exclusive
- Autopay discount
- Comprehensive services
Limitations on Japanese imports
Community Bank (DoD)
4.59%
- New car: 4.59%
- Used car: 4.99%
- Motorcycle: 7.23%
Serves military installations
Used vehicles: 4.99% APR
Specialized Military Financing
AK Kogyo
1% per month
Flat commission rate
- SOFA status exclusive
- 6-36 month terms
- Any vehicle/dealer
- Special ordering
Documentation Requirements
Military Personnel (SOFA)
- Picture ID and SOFA driver's license
- Military orders (first vehicle)
- 30-day waiver from JSVRO
- Letter of Attorney (JSVRO stamped)
Civilian Residents
- Valid ID and residence proof
- Proof of income
- Bank statements (3 months)
- Employment verification
Japanese Residents
- Japanese driver's license
- Resident registration (Juminhyo)
- Income certificate (Shotoku Shomeisho)
- Bank account and seal (Hanko)
Required Insurance Coverage
Japanese Compulsory Insurance (JCI)
Cash payment only - cannot be financed
Personal Liability Insurance (PLI)
Minimum ¥30,000,000 coverage - can be financed
Property Damage Insurance (PDI)
Required for SOFA-registered vehicles
Frequently Asked Questions
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