Finance Your Toyota Car at St. Cloud Toyota


Have you ever wondered, “Is there a Toyota dealership near me that has finance professionals who’ll explain how a credit check and financing work in language I’ll understand?” If you live or work near Waite Park, MN, there sure is and it’s St. Cloud Toyota!

As your local Toyota dealers serving St. Cloud and surrounding areas, we know that the best way to take the stress out of the car buying process is to make sure you understand everything. That’s why we’ll tell you all about credit checks and the financing options that are available to you when you visit our Toyota dealership on 2nd Street.

Whether you want to buy one of our new Toyota vehicles such as the 2017 Toyota RAV4 or you want a pre-owned Toyota car, the financing process is pretty much the same. We’re going to run a credit check on you which will help us determine the financing and lease options that are the most appropriate for you. If you’ve never bought a car before, this may sound scary but there’s no reason to be unnerved.

The finance experts at our Toyota dealership have experience working with people who have all kinds of credit scores as well as individuals who haven’t even had the chance to establish a credit history yet. When we run a credit check, we’re going to see a three-digit number which indicates how likely it is that you’ll default on your debt obligations during the next two years. Based on this score and some other information you provide such as your income, we’ll then find the financing packages that have the most affordable terms currently available based on your unique situation.

We’ll still run a credit check on you even if you want to buy one of our pre-owned cars but again, it’s nothing to worry about. In fact, you can get an idea of what your credit score is by using our credit score estimator. To use our credit score estimator, you’ll simply need to answer a few basic questions about your finances. You’ll have to share the number of active credit cards you currently have, for example, and provide an estimate of the total amount of debt you’re carrying. You’ll also need to provide your annual income along with some additional information.

As you’re answering the questions our credit score estimator asks, remember that the estimated score our handy financial tool will produce will only be as accurate as the information you provide. So, it’s important for your answers to be as accurate as possible. If you have questions about using our credit score estimator, contact our Waite Park Toyota dealership now.

If you’re thinking about getting one of our new or pre-owned Toyota cars, use our credit score estimator to get a good idea of what your credit score is. When you’re done, visit St. Cloud Toyota to talk to one of our finance experts about the financing options that are available to you. We look forward to helping you get the financing you need to bring a Toyota vehicle home with you soon.


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