Quick answer: Potentially, but high kilometres can narrow secured-lender appetite because the vehicle may have lower resale value and higher mechanical risk. Lenders differ: some focus more on age/value than kilometres, while others impose security restrictions. The purchase should also leave a larger repair buffer.
Questions borrowers commonly ask
- The 2007 Evo I want has 150,000+ km — can I get a reasonable car loan?
- Is a high-km car automatically a bad finance security?
- Is 200,000 km a hard cutoff or does service history matter?
There is no universal kilometre cutoff
Lender policy varies by vehicle age, value, make/model and security criteria.
Financeability and ownership quality are different questions
A lender may approve a vehicle that still carries major mechanical risk for the buyer, and vice versa.
High km needs a stronger cash repair buffer
If the borrower finances the purchase and has no money left for timing belt, tyres or major repairs, the ownership budget is fragile.
Performance/imported cars create extra complexity
Older performance vehicles can combine high price, high kilometres, specialist insurance and narrow secured-lender appetite.
General information only. Approval, pricing, fees, income treatment and vehicle eligibility depend on the lender, borrower circumstances and contract.
Frequently asked questions
Is 150,000 km too high for finance?
Not universally.
Do lenders care more about age or kilometres?
Policies differ.
Does service history improve approval?
It is important to purchase risk; lender security policy may still use age/value rules.
Can high-km imports be financed?
Potentially, usually with narrower options.
Should I finance over five or seven years?
Avoid terms that outlast likely reliable ownership.
Sources and verification
Related GPS Finance resources
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