Welcome to Jotam

Featured Listing

Show discounted or featured vehicles

Frequently Asked Questions (FAQs)

Can I buy a car if I don’t have credit history or a Social Security Number?

Yes. At Jotam, you can finance a car even without credit history or SSN.

You only need:

  • A valid ID or passport
  • Proof of income (pay stub or bank statement)
  • Proof of address

The down payment can start at $1,000. It will depend on the car and your financial profile.

Yes. You can make additional payments anytime with no extra fees or penalties.

  • Engine and transmission warranty
  • Online payment options
  • Personalized support throughout the process

Less than 30 minutes. You can pre-qualify online or schedule an appointment.

Between 36 and 60 months, depending on the vehicle and agreed terms.

The total will depend on:

  • The approved interest rate
  • Your down payment
  • The length of the loan

Tips Before Buying a Car

Set your monthly budget

Decide how much you can afford to pay each month without affecting your financial stability.

Think about how much you can give upfront. A higher down payment reduces your monthly payments and total interest.

A repaired vehicle can be ideal for daily driving or as a second family car.

Think about how old the car can be based on your needs and preferences.

Find out if the car includes a warranty, how long it lasts, what it covers, and whether it includes maintenance benefits.

Get Pre-Approved for financing

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