Getting a car loan at the Toyota dealership is one of the financing options that can benefit everyone. It’s great for people who can’t qualify for a loan with a bank. It’s excellent for people with limited time on their hands. It can even be a great way for well-qualified buyers to save money.
Is it better to finance through a dealership?
Financing your 2025 Toyota at a certified dealership like Route 22 Toyota in Hillside, NJ, offers more than just convenience. From exclusive local offers to expert support, here are five compelling reasons to finance with us.
1. Low Credit Score Financing Options
People with poor credit often have fewer options for getting financing, as many lenders won’t risk lending to customers who don’t have great credit. This can stop you from getting financing for a new car if you have a low credit score, even if you know without a doubt that you can afford your car payment every month.
Dealerships are more lenient and willing to work with people who have a low credit score or may have had fumbles impacting their credit in the past. This gives people with lower credit scores the ability to access financing for a new vehicle when other lenders aren’t willing to provide financing.
2. Low Interest Loans
Toyota runs promotional offers throughout the year allowing you to get financing for different cars with very low interest rates. Sometimes offers can let you get certain models for as low as zero percent APR, depending on the model and the time of year. These offers are typically only available through the dealership, and only people with great credit tend to qualify.
3. Time-Saving and Convenient Application Process
Dealerships, including ours, typically have an online financing application you can fill out. The dealer then gets in contact with you if you’re pre-approved for a loan, so you can find out if you can get financing without having to visit any lender in person. If you’re pre-approved for financing, then you can come to the dealer, look at our cars, test drive models you’re interested in, and then finalize the sale in a single trip.
We also tend to work quickly, getting back to you as soon as possible to let you know if you’re approved for a loan. Not all lenders work as quickly or conveniently as dealerships often do, so dealers are the best place to go if you need a fast, streamlined experience.
4. Bundling Options
There are services such as Wi-Fi Connect, Safety Connect, SiriusXM, Remote Connect, and more available when you buy a new Toyota vehicle. Many of these things require a monthly subscription. Dealerships sometimes let you take the subscriptions and bundle them into your car loan, eliminating the need to have multiple car-related payments each month.
Explore the latest 2025 Toyota sedans, trucks, and SUVs at Route 22 Toyota in Hillside, NJ. Come to Route 22 Toyota in Hillside, NJ, to check out our range and finance your car today.
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