When you are looking for a new Toyota vehicle, St. Cloud Toyota is the best place to go. We have an extensive inventory of new Toyota cars for sale and pre-owned Toyota vehicles, so you’re sure to find the perfect fit. We also have a team of financial experts to help you find the financing you need, no matter what your budget may be.

Our Finance Department

Applying for credit with our Toyota finance center is easy. You can come in and speak with our financial team or apply for credit online.

We conduct research to determine your credit score, credit history, work history, debt-to-income ratio, and more to determine how much of an investment you qualify for. We also help you secure funds through a financial institution.

About Car Loans

Your monthly car payment is made up of a few key components: a portion of your total investment (principal) and your interest rate. You make payments over a predetermined period (usually three to five years). Your financial institution will also get a portion of that investment each month, reflected in your interest rate. Your interest rate depends on your credit score, your loan amount, and your terms.

Your monthly payment can also be lowered by lowering your total investment with a down payment. This can be done with a cash payment the day of purchase or with a trade-in vehicle, and it’s one of the best ways to save money long term.

Don’t get overwhelmed with all the financing options for a new vehicle. There’s a solution for you at our Toyota dealership near Waite Park, MN, no matter what your budget may be. Our team is here to help. Come see us and make your dream car a reality.