A Hunch is absolutely correct, so there's your best answer. One other thing to consider: You must wait 25 years from the date of production to import this vehicle. That means that if you imported it the day is became legal, it would be 25 years old. No legitimate lender in the US will finance a vehicle that old, especially one with the issues you're already going to have importing it (VIN number, use, etc). They won't even consider the loan application, regardless of credit. At 24, you're NOT getting a personal loan. Sorry man, but it's cash only for this car.
20 years retail auto sales experience.