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You live in CA.. and you want to import a JDM S13, to drive daily I assume? You must not realize how many hoops you'll have to jump through to even get a grey area-legal car. Find yourself a clean US S13, and spend a quarter of the cost (no loan needed)... Getting a loan on a 20+ year old car, that isnt a classic/anything that will appreciate in value is fucking stupid, especially at 20 years old.
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