Kuruma Terrace Opens New Store in Hachioji, Tokyo, Focusing on Car Loans

Kuruma Terrace Expands with New Store in Hachioji

Kuruma Terrace, a company dedicated to providing essential car purchasing support, will open its new location, the "Kuruma Terrace Hachioji Branch," in Hachioji, Tokyo, on October 1, 2025. This initiative aims to facilitate car ownership among people who may be struggling with traditional financing options.

Supporting Customers with Diverse Financial Backgrounds

Many potential car buyers face hurdles when it comes to securing loans, particularly individuals who have undergone self-bankruptcy, have a history of debt restructuring, or are employed in non-regular jobs. Recognizing the need for alternative financing solutions, Kuruma Terrace has introduced a unique product known as the "Credit Recovery Loan." This program collaborates with over ten various loan institutions that have flexible assessment criteria to accommodate those previously unable to secure financing. Through this initiative, Kuruma Terrace enables customers to confidently acquire car loans, fostering their ability to purchase vehicles without undue stress.

Moreover, as customers successfully make their loan repayments, they can enhance their credit histories, opening the door to future opportunities, such as obtaining credit cards or securing home mortgages.

The Significance of Choosing Hachioji

Hachioji is notably reliant on cars, with a high dependency rate on personal vehicles among its residents. Families and elderly individuals in this city face unique challenges related to transportation, given the distance to railway stations and the hilly terrain that makes car ownership essential for shopping and medical visits. Many people miss out on owning a vehicle simply because they believe financing is unattainable, which is why Kuruma Terrace sees its new store as an essential addition to the community. The message is clear: "You don’t have to give up on your dream of owning a car."

Unique Selling Points of Kuruma Terrace

Kuruma Terrace has a robust track record of over 3,000 vehicle transactions annually via its online platform, and now aims to enhance its customer service through its brick-and-mortar store. The necessity for personal vehicles remains high in local areas, and it’s crucial to provide suitable options for potential buyers who want to own cars.

Custom Order Sales

Unlike traditional stock-based sales, Kuruma Terrace offers custom vehicle sourcing. Customers can request specific car models, and the team will search nationwide to find the perfect match, offering popular selections ranging from compact cars to hybrids.

High Approval Rates for Loans

Kuruma Terrace partners with multiple loan companies boasting higher-than-average approval rates. They assess borrowers on current repayment capabilities rather than solely relying on income or past financial history. This allows potential clients, even those who have been turned down by other lenders, to seek solutions comfortably.

Competitive Interest Rates

Unlike common self-funded loans which often have hidden fees that raise total costs, Kuruma Terrace collaborates with numerous financial institutions to provide loan solutions closer to standard market interest rates, ensuring transparent financing.

Store Details

- Store Name: Kuruma Terrace Hachioji Branch
- Opening Date: October 1, 2025
- Location: 580-3 Kuzuya-cho, Hachioji, Tokyo
- Business Hours: Weekdays 1 PM to 9 PM / Weekends and holidays 10 AM to 7 PM
- Store Size: Approximately 1,400 square meters

Future Prospects

At Kuruma Terrace, the goal is to help customers experience the joy of car ownership while working towards creating shared value in daily living. While some areas develop robust public transportation systems, many parts of Japan still regard cars as vital. Kuruma Terrace aims to provide high-quality car ownership experiences, thereby enriching lives. Building strong relationships with clients and sharing joy through car ownership remains a top priority. Plans are in place to open around 30 stores throughout Japan by 2030, focusing primarily on regions where cars are essential to daily life.