![]() ![]() That’s why we are pleased to host a suite of online Toyota finance resources on our website. The finance team at Spitzer Toyota realizes that your time is valuable. A car loan also comes with a manufacturer warranty and you have the freedom to customize or accessorize your SUV, sedan or pickup truck. Once you have paid off the vehicle, it is yours to keep, trade-in or sell outright. When opting for a car loan through Toyota finance, you can qualify for special incentives and low auto finance rates to lower your monthly payments. Once the car lease terms have ended, you simply turn over the keys.Ī Toyota finance car loan is ideal for drivers who keep their vehicles long term. However, you are also driving an all-new top-of-the-line model during its most trouble-free years. This option gives you a chance to drive premium trims at a more affordable rate.Ī car lease may restrict the number of miles you can drive per year and you are not able to customize or accessorize the vehicle. When opting for a car lease, you are entering into a short-term contract with lower monthly payments and fewer funds upfront at signing. Our expert professionals can pinpoint the primary differences between a car loan and a car lease. Toyota Finance Car Loan vs Car Leaseĭetermining whether to opt for a car loan or a car lease doesn’t have to be a challenge when working with the finance team at Spitzer Toyota. Our top priority is customer satisfaction, which is why we pass on the savings to you. It doesn’t matter if you prefer a car lease or a car loan, know that our finance center is here to help you drive off the lot feeling good about the money you’ve saved.Ĭontact the team at Spitzer Toyota Monroeville to learn more about auto finance specials available for a car lease or car loan. Browse our extensive inventory of new, Certified Pre-Owned and used cars for sale in DuBois, and save with special Toyota Finance incentives and specials. Our Toyota finance center features a staff eager to find the best rates for a car loan and terms for a car lease. When upgrading your current vehicle, know that the team of finance center experts at Spitzer Toyota is here to help. Toyota Certified Used Vehicles Program Information.Note: The Primary and Co-buyer must meet all of the program parameters. Three Personal and Verifiable References. Full-Time Job held for at least six months. Maximum Payment-to-Income Ratio (PIR) 20%. For example, if a customer has been 30-89 DPD, but never 90 DPD and meet all other qualifications, they could qualify for the program based on the DSSO's discretion on approving them for credit. Zero Major Derogs defined as: Never been 90 DPD (or higher), No Charge-offs, Collections, Repossessions or Foreclosures ever. Customers without a FICO score do not qualify. To qualify for the Toyota iFi Program, you must be credit approved by TFS and meet all of the following criteria: The Toyota Financial Services (TFS) iFi Program has been expanded to include ALL NEW Toyota models. Please click this link to read our privacy policy. Heritage Toyota Catonsville takes your privacy seriously. ![]() If you have any questions, contact Heritage Toyota Catonsville online or stop by to get started today! If you're thinking about trading your current vehicle in for a brand new model, use our Toyota trade-in form to find out how much your car is worth. Then, proceed to our online Toyota finance application. Check out our online Toyota loan calculator for an instant car loan rate. We're eager to provide financing for your new car, or we can assist in used car financing. Welcome to Heritage Toyota Catonsville's Finance Department, your auto loan and car lease resource. ![]()
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