When you need to purchase a new or used Toyota vehicle, St Cloud Toyota is here to help. Our Waite Park, MN Toyota dealer is home to a great selection of exciting Toyota vehicles, such as the stylish and efficient 2019 Toyota Camry and the all-new 2019 Toyota RAV4. Not only are we a great place to discover the right car for you, but our helpful staff is also here to make sure your needs are taken care of and that your concerns about the buying process are addressed. One of the main concerns people have about the process of buying a new car is the finance process. Luckily, our team over at our Toyota finance center have got your back.

Does Credit Matter?

People’s credit scores often come into the conversation when discussing concerns about financing. You will need to apply for financing in order to be able to make your purchase if you don’t plan to buy your car outright. One of the factors that will come into play is your credit score, which often makes some drivers nervous.

When it comes to credit scores, people are more likely to get approved the higher their credit score is, and vice versa. Similarly, when people do get approved for their loan, having a higher credit score tends to result in a lower interest rate. This doesn’t mean that if you have low credit that you can’t make your car purchase. Many drivers with low credit scores, or even no credit at all, can get approved for a loan to get behind the wheel of their next car.

How We Can Help

At our Toyota financing center near St Cloud, we help drivers with all types of credit scores get approved for their auto loan so they can drive off happily in their new Toyota car. We work hard to advocate for drivers with financial lenders in order to secure loan approvals and low rates. When you start making payments towards your new car, you can begin to build up credit to help set yourself up for a brighter financial future as well. We also make it easy to trade in your current car to help reduce the cost of your new car, which can help lower your loan amount and make it easier to get approved.


Visit or contact your local Toyota dealer near St. Cloud, MN today to see how we can help get you behind the wheel of a new Toyota you will love.