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If you are in the market for a vehicle from Valdosta Toyota, our finance department is here to help! Whether you’re shopping for a new or pre-owned vehicle, Valdosta Toyota has the loan experts to assist you. Whether you need Toyota bad credit financing, searching for loans for bad credit in GA, or have questions about auto loans and used car leasing, Valdosta, GA drivers have come to the right place!
Feel free to use our easy loan calculator below to estimate your monthly finance payments. You can apply online for a car loan with our online finance application form. It’s secure, and when we receive the application, our staff will look it over and contact you as soon as possible. And whether you are shopping for a car or you already have one, don’t forget to protect your investment with a Valdosta Toyota vehicle service contract. We’re here to answer any questions you have about financing, the difference between buying CPO vs. used, and whether buying or leasing is your best option.
A big part of financing is how much is your current vehicle, if you have one, is worth as a trade-in. We can’t give you a definite answer until we examine your vehicle ourselves, but to help you get an estimate, Valdosta Toyota recommends using the Black Book estimator.
In deciding between buying or leasing your new car, it helps to understand the main differences between the two options.
If you want to purchase a vehicle, you would need to apply for a loan. You will usually make a down payment, pay the sales tax in cash or roll them into your auto loan, and pay an interest rate on the balance of the loan. Generally, your first payment is due a month after you sign your contract. This is an excellent choice if you want to keep your vehicle for as long as possible, or if you plan on putting a lot of miles on it.
When you lease, you are paying for only what you use of the vehicle. You do not have to put money down, and sales tax will be included as part of your monthly lease payment. Your lease payment is determined in part on a money factor similar to the interest rate on a loan. You make your first lease payment at the time you sign your contract.
Are you wondering about buy here, pay here car lots in Valdosta, GA? Stop by Valdosta Toyota for additional information, and find out how we can get you behind the wheel of a new or used Toyota vehicle today! Give us a call with any questions!
Knowing the state of your credit is important. To get a true and current picture of your credit, contact one of the three major credit reporting agencies to get your credit report, including your credit score, by phone or via their website.
Equifax: equifax.com – Toll-free: 800-685-1111
Experian: experian.com – Toll-free: 888-397-3742
TransUnion: transunion.com – Toll-free: 877-322-8228