Keith Pierson Toyota

ONLY at Keith Pierson Toyota as low as 0% 36 months on Camry, Corolla and RAV4.

Payment Relief

Toyota Finance & Loan Center in Jacksonville, FL

When it comes to purchasing a car, You're in the driver's seat.

Our secure online credit application makes getting financing a quick & efficient process.

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We're Here To Help

Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.

It's really that easy. Get started today.

Get Pre-Approved

A Little Knowledge Can Make A Big Difference.

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Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

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Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

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Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.

Factors Effecting Your Credit Score

Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.

To learn your credit score you can contact the three main credit reporting agencies:

Experian Logo

Experian:

www.experian.com
(888) 397-3742

Equifax Logo

Equifax:

www.equifax.com
(800) 685-1111

TransUnion Logo

TransUnion:

www.transunion.com
(800) 916-8800

What you need to bring with you

Drivers License Icon

Valid Driver's License

Insurance Form Icon

Proof of Insurance

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Proof of Income

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Proof of Residence

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Proof of Phone Number

In some cases, you may be asked for additional information. We'll walk you through every step of the way and respect your privacy & concerns. Please make sure your information is current.

You Make The Choice. We Make It Easy.

Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.

It's easy. It's quick. It's safe. Get started today.

Estimate Your Payment

Toyota Finance Center in Jacksonville, FL

Buying a new or used car is a big decision, but how you finance your purchase is also very important. At Keith Pierson Toyota in Jacksonville, Florida, we aim to make the car buying process as simple as possible. Our friendly and professional finance team can guide you through our financing options to ensure you get the best deal for your circumstances. 

We can arrange financing for your new or used car purchase. If you're not sure whether buying or leasing is right for you, we can talk you through the details to help you reach the right decision. Plus, we have special deals that can increase your purchasing power. Even if you don't have the best credit history, our finance team will find an auto loan that will help rebuild your credit score.

Understanding Your Financing Options 

Like most car buyers, you probably need financing to get behind the wheel of the vehicle you want, and it's important to understand your options. If you're looking for a new car, one of the first decisions you need to make is whether to buy or lease the vehicle.

Buying vs. Leasing

Many people choose to lease a new car rather than take out an auto loan, but leasing is not right for everyone. There are pros and cons with both financing options. 

With conventional auto loans, you borrow money from a lender and agree to repay the loan with monthly payments over a set number of years. Payments are generally higher because you're covering the price of the car along with interest and finance fees. Part of every payment goes toward interest, while the rest is applied to the principal. At the end of the loan term, the car is yours to keep, sell, or trade.

When you lease a vehicle, you make monthly payments to drive a new vehicle for a set period, usually three or four years. Basically, you're renting the car and paying the difference between its value when new and its expected value at the end of the lease. The payments are often lower than with an auto loan, but at the end of the loan term you don't own the car. You either give it back or buy it.

Pros and Cons of Leasing a Car

Leasing a vehicle usually means a smaller up-front payment and lower monthly payments, so you could get a higher-spec car than you might otherwise be able to afford. If you continue to lease, you get a new car, with the latest technology, every few years. A leased vehicle is generally covered by the warranty for the entire lease period, and sometimes routine maintenance is also included, which means you have lower running costs. 

On the downside, you never own the vehicle. At the end of the lease, you must return the car or buy it from the company. A lease typically comes with mileage restrictions, and exceeding the agreed figure can be expensive. You can't make any modifications to the car, and you'll have to pay fees for excess wear and tear or damage to the vehicle. If you continue leasing, you'll always be paying for your car.

Pros and Cons of Buying a Car

When you buy a car, you can treat it as you like, add accessories, and make modifications. You have no mileage restrictions and no fees at the end of the loan term. Once you've paid off the auto loan, the car is yours. If you keep the car for several years after it's paid off, the overall cost of owning it is lower than leasing.

However, an auto loan usually involves a bigger down payment and higher monthly repayments. Furthermore, a new car suffers from rapid depreciation in the first few years of ownership, and you have to absorb this loss. You have to pay all the maintenance and service costs, and you may be more restricted on the make and model of car you can afford

It can be difficult to decide whether to buy or lease your new Toyota, but our finance experts are here to guide you through your available lease options and auto loan costs to help you make the right choice.

How To Apply for Financing 

At Keith Pierson Toyota, we make it easy to apply for financing. You can use our convenient online form to get preapproved for a loan, so you spend less time at the dealership. You can also estimate your monthly payments so you know exactly what you can afford. 

When you've found the new or used car you want, our finance department will work with you to get the best deal, working with you every step of the way. To help speed up the process, you'll need to bring your driver's license, proof of insurance, proof of income, and proof of residence.  

Current Special Financing Offers 

Don't forget to check out our special car financing deals that can save you money. The offers change throughout the year but might include a low annual percentage rate, no down payment, deferred payment options, or no payments for 90 days.  

Financing for All Credit Types 

It's a good idea to know your credit score before applying for financing — a good credit score can help you get a lower interest rate as you're considered less of a risk. However, even if your credit record isn't so great, we can still help you find an auto loan deal to suit your financial circumstances.

Maximizing Your Trade-In Value 

When you buy a new or used car from Keith Pierson Toyota, you can trade in your current vehicle to reduce the purchase price. You can even use our handy online tool to estimate the value of your trade. A good service record always helps a vehicle hold its value, and when you bring your old car to us, make it look its best to maximize its trade-in value. 

Apply for Financing Today

If you're ready to buy a new or used car, contact our finance team today to learn about our Toyota financing options, or visit our dealership for personalized assistance. At Keith Pierson Toyota in Jacksonville, we're committed to providing a stress-free, transparent, and customer-focused financing experience.

 

Keith Pierson Toyota

Keith Pierson Toyota

Local Auto Finance Center Offering Toyota Leases and Loans

Serving: Jacksonville, FL

Local Phone: (904) 207-7065

Directions to Keith Pierson Toyota

6501 Youngerman Cir, Jacksonville, FL 32244