Thursday, May 13, 2021

Toyota Financial for Beginners in Van Nuys, CA


We understand that the financing process can seem daunting, especially if you've never taken out a loan on a new car before. That's why the Toyota financial department here at Keyes Toyota wants to make it as simple as possible to understand how to get a loan, how to pay off your vehicle, and how to stick to your budget. Here's what you need to know.

Applying for Financing

You can apply for financing before you even get to our dealership. A form on our website just requires a bit of information from you so that we can determine what kinds of offers and rates you can qualify for.

Essentially, we want to know that there's a high chance of you repaying the loan that we secure for you through our Toyota financial department. We need information about your income and your current financial obligations. We also need to know about your past credit history. This helps us figure out how good you have been about repaying debts in the past.

Your Loan

Once we have your info, we can try to secure you a loan for that new Toyota car. Generally, the better your credit, the lower an APR, or interest rate, you can secure. The lower your APR, the less interest you'll end up paying as you pay off your car.

It's also important to think about what kind of “loan term” you want. This is how long you have to pay off your vehicle. A common loan term is five years, but you can sometimes opt for a shorter or longer one. A shorter term means higher monthly payments, but less interest paid overtime. A longer-term means the opposite.

Our Toyota dealers and financial experts in Van Nuys are ready to help you find that perfect car, truck, or SUV. Ask about financing when you visit our dealership and we'll make sure that we help you find the loan that's right for you.


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