Does Credit Matter?

Does credit matter

If you’re interested in new Toyota models near Phoenix, AZ and everything they have to offer, we invite you to visit our dealership. At Bell Road Toyota, we feature a large inventory of popular new Toyota cars and SUVs. We are also staffed by a team of experts committed to helping you find the right vehicle that ticks all the boxes you’re looking for. On top of our new inventory, we also offer a wide selection of pre-owned Toyota cars that combine quality and great value.

Credit History Information

Whether you’re buying new or used, chances are you are going to need financing in order to purchase your perfect vehicle. It is normal to get anxious or overwhelmed when the topic of financing comes up. As your local Phoenix Toyota dealer, we want to take the worry out of the financing process. Whoever you are and whatever your credit history is, we’re here to help.

Many customers believe that their credit score will prevent them from buying a vehicle, but that is typically not the case. While buyers with high credit scores will get better interest rates on their loans, that doesn’t mean a lower credit score or no credit at all disqualifies you for a loan. In fact, around 20 percent of loan financing goes to drivers with subprime and deep subprime credit. Keep in mind though, having a lower credit score with also mean a higher interest rate and a shorter loan term. To get a better idea of where you stand and what kind of interest rates you might qualify for, stay aware of your credit score.

How We Can Help

When you visit our Toyota financing department, you will be greeted by informed experts who know the financing process inside and out. We want the process to be stress-free from beginning to end, which is why we make it easy to apply for financing online before you physically come to our dealership. After that, we’re happy to sit down with you to discuss your situation, as we know that you’re more than a credit score. We will lay out all your financing options so we can pick the right plan together.

Our priority is informing and serving our customers at 2020 West Bell Road. If you have more questions about financing, feel free to call us at 602-863-0600 or visit us today!