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It's possible to buy a car even if you have bad credit. However, it's important to understand how your credit score can impact your financing options. Credit agencies use an algorithm that considers your debt, income, available credit, and payment history to calculate your credit score. Higher scores indicate a lower risk to lenders, while lower scores indicate a higher risk. So a low credit score won't prevent you from securing a loan. However, banks may impose higher interest rates and offer smaller loan amounts due to the increased risk. Even with the credit scores and common practices associated with issuing loans, no standard exists that the industry must follow. This means that each lender has its own policies, which may result in approval by one lender and denial by another. more Credit Scores Explained Lenders rely on the three major credit bureaus, Experian, Equifax, and Trans Union, to obtain your credit score, which indicates your creditworthiness. Scores range between 300 to 850 points, and each agency will have a different score for you based on the information they access and their algorithm. However, auto lenders typically use the FICO Auto Score to determine the creditworthiness of borrowers. It ranges from 250 to 900 points and puts more emphasis on responsible debt management, considering factors such as payment history, available credit, and debt-to-income ratios. As a result, a higher FICO score will produce a lower interest rate on a higher loan amount and vice versa. Suppose you fall within the 20% of consumers with a top-tier FICO score of 800 to 900 points. In that case, you can expect fast approval on a loan with an interest rate of 0% to 3%. Twenty-five percent of buyers have FICO scores between 740 and 799 points. This range is still a very good score. So you can expect loan approval with a 3% to 6% interest rate if you fall in this category. Scores between 670 and 739 points fall into a middle category where lenders vary slightly more on approvals and interest rates. If approved, you likely will have an interest rate between 5% and 8%. For scores ranging from 580 to 669 points, lenders are more selective about approval, and the interest rates can be between 7% and 12%. Any score falling below 580 presents the highest risk to lenders. Securing an auto loan with a score below 580 is still possible. However, interest rates start at 13% and can go much higher than that, depending on the circumstances. How To Raise Your Credit Score The credit bureaus' algorithms measure many factors, and scores usually take time to move. However, you can do a few things that can have an immediate and significant impact on your score. First, you need a copy of your credit report to see what's on it. Many people review their credit reports and find credit history that belongs to someone else. And it's almost always negative. Getting these removed from your report can change your score dramatically. If there are any late payments on your credit report, you can contact the lenders who reported them and ask for their removal. Most lenders are willing to do this if you've been consistent with your payments since the late ones occurred. Of course, they don't have to, but they never will if you don't ask. Credit utilization is another factor in your credit score. Unfortunately, most people have yet to learn what this means and how it works. Simply put, your credit utilization is how much you owe on credit cards compared to how much credit you have left to borrow against. For instance, if you have a credit card with a $1,000 limit and owe $500, your credit utilization is 50%. However, most lenders want to see your credit utilization under 30%. So in this example, if you paid $250 on this account, your rate drops to 25%, and you're now in the range lenders like to see. You can also use Experian Boost to increase your credit score. Experian Boost allows you to apply on-time rent and utility bills such as gas, electricity, and telephone to improve your credit score. Keith Pierson Toyota Finance Department At our Keith Pierson Toyota dealership, we believe everyone has the right to own a vehicle, regardless of their credit. Our finance managers have decades of experience finding loans for buyers in all credit categories. To help you get started, we encourage you to complete our online pre-approval application. You'll receive an answer in minutes, including your loan amount, interest rate, monthly payment, and terms. We know some people prefer a face-to-face meeting to discuss their financing options. Feel free to visit us at 6501 Youngerman Circle if this sounds like you. One of our finance managers will answer your questions and help you through the process. We also have a convenient online vehicle valuation tool to get an accurate price for your current vehicle as part of a trade-in. It's quick and easy. You input the relevant information about your car's make, model, mileage, and condition, and in seconds, you'll get a fair offer. We'll purchase your car whether or not you buy another vehicle from us. If you're curious about how a deal might look, we have an online calculator that lets you estimate your costs based on variable loan amounts, trade-in values, down payments, interest rates, and terms. With this information, you can shop confidently, knowing what you can afford. Explore Your Car-Buying Options Today in Jacksonville A less-than-perfect credit score shouldn't deny you the privilege of vehicle ownership. That's why our finance department provides expert advice and transparent pricing models so you can make an informed buying decision, regardless of credit history. We invite you to shop our virtual inventory to see what you like and speak with one of our loan specialists to explore your financing options. Image by Avery Evans is licensed with Unsplash License

Toyota RAV-4 2013 by Janitors | Licensed by CC BY 2.0 Are you considering purchasing an extended auto warranty for your car, SUV, or truck? Here at Keith Pierson Toyota, we have some of the most competitively priced vehicle protection plans in the Jacksonville, Florida, area. Contact us today to find out more about the various plans we can offer and take advantage of our expert auto technicians in our service and parts center. more What Is an Extended Auto Warranty? An extended auto warranty is a service contract you can purchase to continue enjoying protection for your vehicle after its factory warranty expires. Most vehicles come with a standard three-year warranty, which expires after 36,000 miles of driving if that comes first. Extended auto warranties are also sometimes called vehicle protection plans or vehicle service contracts. An extended auto warranty can vary in length depending on your needs. You may decide to purchase coverage for a year or two if you plan on selling your car relatively soon to help pay for a new one. Alternatively, longer-term plans are available. The basic idea of an extended warranty is the same as a factory warranty. The plan covers damage to your car's parts and components so you can avoid a large, unexpected repair bill. The extent of the coverage provided by a protection plan can vary depending on its terms. For example, you may choose a full protection plan, which can cover almost all parts in your vehicle with the exception of windshield wipers, which are generally never covered. Alternatively, a more limited vehicle service contract may include coverage for the engine and transmission only. To access the best terms for your vehicle protection plan, you should try to arrange it as early as possible. The fewer miles your vehicle was driven, the more likely you are to be offered a comprehensive warranty for your car. Some providers may be reluctant to offer full coverage if your vehicle is older and already displays several problems. Many drivers wonder whether an extended warranty is worth the price. The answer is usually yes. With a vehicle protection plan, you make a predictable regular payment so you don't have to cough up the full cost of a repair when the time comes. If you don't buy an extended plan, you may make a small saving on your monthly payments. But you could end up having to deal with a bill for hundreds or thousands of dollars to get your vehicle back on the road if it breaks down. Moreover, as your vehicle gets older, the likelihood that it will require servicing will increase. How Does a Vehicle Protection Plan Work? Your extended warranty works like a guarantee so that if something goes wrong with your vehicle, a technician can diagnose the problem and fix it without you having to pay the full cost. The extended warranty comes into force immediately after your factory warranty expires. Once you've identified that there's a problem with your vehicle, all you need to do is make an appointment at our service center. A technician will then carry out a thorough inspection to find out what's required to put things right. Your extended warranty will typically cover the costs for parts and labor associated with the repairs that we conduct. Common problems that a service contract may take care of include mechanical breakdown of parts, other than wear and tear, and the failure of components. Damage to engines, which can often prove costly to fix, is also covered. By contrast, your auto insurance is there to cover damage to your car resulting from external factors. These factors include things like accidents, theft, and storms. Due to the different areas of coverage provided by auto insurance and extended warranties, it's a good idea to have both. Some vehicle protection plans come with additional features. For instance, some providers will commit to loaning you a vehicle if your car needs to stay in the service center for a longer period of time. Other plans may have a roadside assistance feature, which means that a technician can travel to you if you experience a breakdown or other problem while you're on the go. How Can Keith Pierson Toyota Help? Keith Pierson Toyota is your premier destination if you're looking for a dependable auto repair center in Jacksonville. Our mechanics are all trained by Toyota, giving them the skills and knowledge to carry out maintenance and repairs to the highest standards. They also have access to genuine Toyota parts and state-of-the-art equipment for diagnosing and fixing problems. If you purchase an extended auto warranty at our dealership, you can rely on the professionals in our service center to take care of your vehicle. Our auto technicians are experts in a wide range of routine maintenance tasks, including oil changes, brake pad replacements, tire rotations, and fluid top-ups. We're also used to handling more complex tasks, like engine diagnostics and repairs, and bodywork. If you drive a Toyota, there's no better place to get your vehicle serviced than a Toyota-certified service center. Our technicians have extensive experience with all Toyota vehicles, which gives them a familiarity with all Toyota parts and components. Even if you drive a vehicle from another brand, Toyota's commitment to excellence in vehicle manufacturing and servicing will help ensure that the work done by our technicians leaves you satisfied. Our service center works closely with our parts department, which stocks a full range of OEM Toyota parts. The advantage of using these high-quality parts produced by a reputable automaker is that you can be sure of their performance and durability. Aftermarket parts may be cheaper to purchase, but they're often lower quality than genuine parts. Should you have any questions about vehicle protection plans, or anything to do with our service and parts centers, don't hesitate to contact us today. Our team of auto experts here at Keith Pierson Toyota is delighted to serve Jacksonville customers, and we're standing by to take your call. Alternatively, stop by our dealership to chat with one of us in person or get assistance.

Image via Flickr by frankieleon If you're preparing to buy a new car, you may look at different ways to finance it. One way you could finance your new vehicle is through direct lending from a bank, credit union, or finance company. This lets you go straight to the lender for your car loan. The other way you can finance your new vehicle is with dealership financing. Dealership financing lets you get your loan through your dealership, which comes with several benefits. In this article, we discuss how dealership financing works and the advantages it can bring you when you're buying a new car. more How Does Dealership Financing Work? If you choose to use dealership financing for your new vehicle, you agree with the dealership you purchase your vehicle from to pay the amount of money they finance you and a finance charge. Typically, this means you pay a monthly total to the dealership, which goes toward paying for the loan you received from the dealership. Sometimes, a dealership may keep your contract and handle collecting your payments and servicing your account with them. Most of the time, however, the dealership sells your contract to a bank, finance company, or credit union to do that job for them. While that may seem similar to a direct loan, there are several benefits to using dealership financing you are unlikely to find from a direct loan. First, dealerships offer both vehicles and financing for those vehicles in one location. This lets you ensure you get both the vehicle and the financing option you want. Second, dealerships may have different hours from other lenders, such as weekends and evenings, because those are their peak business hours. Third, dealerships offer multiple financing options because they work with a variety of banks and other lenders, meaning you can find your own best offer. The last benefit to dealership financing is that they may have special offers or programs that may help you lower the cost of your monthly payments or shorten the length of your contract. These programs often come with rules such as buying a specific vehicle, having a certain credit score, or being able to pay a larger down payment. With these rules, however, they can offer you much greater flexibility for financing a vehicle than a traditional lender, such as banks or credit unions. What Do I Need To Know Before I Finance A Vehicle? There are four things you should consider before you finance a vehicle. First, research Florida and federal laws about financing or leasing a vehicle. Looking at these laws can give you benefits such as being able to negotiate better offers, and knowing what rights you have when you plan to finance a vehicle through a dealership. Second, determine how much you can afford to pay each month. As you prepare to finance a vehicle, you want to make sure you'll have enough money to cover all of your living expenses, such as food, rent or mortgage, insurance, and utilities. After you determine how much money you can put toward financing a new vehicle, you can consider the dealership financing options. Third, it may be important for you to look at the difference between leasing a vehicle and financing a vehicle from a dealership. When you lease a vehicle, you agree to use it for an agreed-upon length of time and number of miles. Once your lease ends, you can either return the vehicle and "walk away" from the dealership, or you can purchase the vehicle for a new, lower price stipulated in the terms of your lease agreement. Finally, a lease agreement's monthly payments may be lower than financing a vehicle because you're typically paying the depreciation of the car. Fourth, it is important to know that looking at the offers a traditional lender has and also looking at the offers a dealership has both require credit checks. Sometimes, having multiple credit checks appear on a credit report can lower your credit score. To prepare for this, ensure you don't have other recent credit loans on your report except for a vehicle. This can help you avoid any challenges the multiple credit checks may cause. If you know you want to pursue dealership financing instead of traditional financing, it can help your credit more to avoid the traditional lender entirely. What Do I Need to Apply for Financing? When you're prepared to finance a vehicle, you may work with a dealership's finance and insurance (F&I) department. First, the dealership's F&I manager may ask you to complete a credit application. This document may require personal information about you, such as your: Current and previous addresses and how long you lived at them. Current and previous employers and how long you worked for them. Date of birth. Financial information on your current credit accounts, including any debts you owe. Name. Occupation. Social Security number. Sources of income. Total gross monthly income. Once you fill out the application, the dealership's team receives a credit report, which details your credit history. Your credit history is a report on financial obligations you have and how likely you are to pay them back on time. Even though the dealership gets this report, it can be important for you to have one for yourself as well. This can help you make sure you get the services you deserve. This can also help you track your credit score as they make the checks, which can cause your score to fluctuate. Are You Interested in Financing a New Vehicle? At Keith Pierson Toyota, we are here to help you with your financing needs. Whether it's looking at our offers, finding the best vehicle for your price range, or applying for financing, our team can help you find the services you need. Read our about us page to learn more about our team, goals, and how we can help you find key services. You can also use our contact page to get in touch with one of our representatives and be sure to visit our finance department 's page as well.

If you've decided you'd like a fresh start behind the wheel of a new vehicle, you can choose between buying a car outright or leasing one. Both options have their benefits and will be attractive to different groups of customers. Here at Keith Pierson Toyota, we offer competitive auto financing and leasing deals for you to explore. more Buying or Leasing a Car When a customer buys a car or SUV, they pay for its full price and take ownership of the vehicle. Most people don't have enough money to purchase a car outright, so they take out an auto loan to fund the purchase. The owner of the car can use their vehicle however they like without any restrictions. If you lease a car, you pay a dealership to drive the vehicle for an agreed period of time. The monthly payments you make do not give you an ownership stake in the vehicle. Instead, you're paying to rent the car or SUV for a period of two, three, or four years. Once the lease ends, you have to give the vehicle back to the dealership. Advantages of Buying Some consumers prefer to buy a vehicle outright because it gives them the freedom to use it as they like. Car owners don't have to pay attention to the mileage limits that come with leased vehicles. Another bonus for vehicle owners is that they can accessorize or customize their vehicle in anyway they want. For example, they may choose to add some off-roading tires or some sporty accessories. By contrast, someone who leases a vehicle has to keep it in the condition it was in when the lease began. Dealerships can charge penalties if a leased vehicle is returned to them at the end of a lease in poor condition. A further advantage to buying is that you have the option of selling your car at a later date to fund your next purchase. Trade-in programs offered by dealerships can result in significant savings for you on your next new or pre-owned vehicle. A final benefit for auto purchasers is that they typically save money in the long run compared to someone who leases a car. That's because when an auto loan is paid off, the car's owner no longer has to make any monthly payments. For the leasee, however, payments always have to be made for as long as the lease lasts. Advantages of Leasing One advantage of leasing your next vehicle is that your monthly payments will likely be lower than if you buy. That's because you don't have to cover the whole value of a car as part of your lease agreement. Instead, you only pay for the depreciation in cost it experiences during the lease deal. An additional benefit is that you can get behind the wheel of a new vehicle with all the latest technology on a regular basis. Car owners typically drive their vehicles for a much longer period of time, meaning that they can't access the latest tech features so easily. A further advantage of leasing is the easy process when the deal comes to an end. All you need to do is return your leased car or SUV to our dealership and you're free to lease or buy another vehicle. By contrast, a car owner usually has to find a buyer for their vehicle before they can go looking for a new one. Selling a vehicle on the private market can be a time-consuming process. A final positive aspect about leasing is that you'll always drive a car during its best years. Many leased vehicles will still be covered by their factory warranty, which means that any defective components or problems can be repaired. Other lease deals may have a service contract as part of the agreement. This contrasts with car owners, who may have to deal with hefty repair bills as their vehicle gets older. Auto Financing or Leasing at Keith Pierson Toyota Whether you decide to buy or lease your next vehicle, our expert finance team at Keith Pierson Toyota is here to help. We work with several nationwide and local financing partners to provide you with competitive rates and great terms. Even if you don't have a good credit rating, we'd be happy to work with you to secure a deal. Our lease agreements can vary in length depending on your needs. We accept down payments for leases, although these are usually smaller than the down payments you'd need to make on an auto loan. Whether you decide to buy or lease, you can choose from our great lineup of Toyota vehicles. We have cars, SUVs, and trucks in our showroom to meet everyone's needs. Buyers or leasees looking for a compact vehicle designed for city driving will be well served by the Toyota Corolla or Toyota Camry. Toyota's SUV lineup caters to families who need a bit more space. The Toyota Highlander is ideal if you prioritize passenger space, while the 4Runner is perfect if you like taking a drive off the beaten track from time to time. Don't forget our Toyota truck options if you need to get the job done. Pick from the full-sized Tundra to shift the heaviest loads or the more compact Takoma. Buy or Lease Your New Vehicle at Keith Pierson in Jacksonville We hope that our guide to leasing or buying a vehicle has helped you decide which option is right for you. There's really no correct answer to the question of whether it's better to lease or buy, since both options have their own benefits that attract different types of car drivers. If you prefer having full control over how you use your vehicle and don't mind paying a bit more each month, you'll probably prefer to buy. If you prioritize driving the newest vehicles and don't mind sticking to mileage limits, leasing will be attractive. If you still have questions about leasing or buying your next vehicle, don't hesitate to contact us and view our finance department page. Our Toyota experts here at Keith Pierson are standing by to take your call or respond to your message.

Financing a car can cost you thousands of dollars more than buying a vehicle for cash. However, that doesn't mean you shouldn't finance. Financing can be the best way to go for several reasons — but only if you understand how to finance a car the right way. That's why we've created the following tips to help you navigate the financing process without making some of the typical mistakes others have made. Check Your Credit Score Image via Flickr by free pictures of money Potential buyers should always check their credit scores before beginning to shop. Why? Because your credit score impacts your car loan more than any other factor. The higher the credit score, the lower the interest rate you'll qualify for when you apply for a car loan. Conversely, the lower the credit score, the higher the interest rate you'll end up with on your loan. Credit experts recommend fixing any credit issues before applying for a loan. In many cases, people can improve their credit score without too much effort or even money. A decrease from 7% to 5% APR on a $20,000 five-year loan can save you over $1,100. Get Competing Loan Offers Before arriving at a dealership, we recommend shopping for car loans with several institutions. You can start with your bank or credit union, as these institutions typically offer existing customers discounted rates. You can shop around at other local banks to see what they offer, too. We also recommend searching online for some national lenders. Sometimes, national companies are able to offer better rates than smaller, regional banks because they benefit from a higher volume of loan customers. After shopping around, you can use our online finance application to get pre-approved for an auto loan as a comparison. When comparing loans, you want to look first at your interest rate and then at the length of the loan. You might qualify for a 5% interest rate with one lender and 7% with another, but if the length of the 5% loan runs two years longer than the 7% loan, you'll pay more in interest over the life of the 5% loan. Figure Out Your Budget Ultimately, your monthly loan payment must fit within your budget. We recommend a thorough examination of your monthly income and expenses to determine how much you can afford to spend each month on your loan. You also need to factor in your car insurance costs. Many lenders require additional insurance like gap insurance and collision coverage to protect them against a total loss of the vehicle. These insurance policies cost more money, and if you haven't had them on previous plans, you can expect to pay $100 or more each month. Determine What You Need in a Car Now that you've fixed your credit, found competing loans, and planned out your budget, the fun of actually shopping for a car can begin. Before you set foot on a dealership's lot, take the time to make a list of the features you need in a car, truck, or SUV. Say you commute to Jacksonville every day. In that case, you'll need something fuel-efficient and safe. If your job requires you to bring tools, equipment, and supplies to work each day, you probably need a pickup. You can make a second list of features you'd like to have but can live without. Maybe some of the latest driver-assist features like adaptive cruise control would be nice, but if you only occasionally get on the highway, you probably could do without them. A third list — perhaps the most helpful of all — should contain all those features you don't need or want. This third list will help you avoid paying for bells and whistles you don't care about. For instance, a four-wheel-drive truck can be a lot of fun for those off-road adventurers, but if you never go off the road, why pay extra money for that feature? Money Down If you have at least a portion of the money needed to purchase a car, you should put as much of that as you can afford toward a down payment. Putting money down will lower the amount you have to borrow and ultimately reduce the amount of interest you pay over the life of the loan. A down payment will lower your monthly payment as well. The only time you don't want to spend your money for some or all of a car purchase would be if you could earn more in a savings or investment account instead. If a dealership gives you a zero-percent interest rate, there's no need to put extra money down. You can earn 1-2% interest in most savings accounts. Suppose you have a stock portfolio that returns 7% annually, and you qualify for a 5% interest rate. In that case, you're better off keeping your money in the stock portfolio rather than using it as a down payment because you'll net 2% profit by keeping there. Keep the Loan Term as Short as Possible Keeping the loan term short will save you money in the long run. However, there's a trade-off here that involves your monthly payment increasing or perhaps the need for a higher down payment. Buyers must strike a balance between loan length and monthly affordability. At Keith Pierson Toyota, our finance department experts have years of experience finding the correct loan terms to fit any financial situation. A shorter loan will help you avoid getting upside down on your loan. Being upside-down refers to owing more than the actual value of your car, and it happens far more often than you might think. Insurance costs more when you're upside down, too, so you should avoid it if you can. At Keith Pierson Toyota, we know finding the right financing package can be the difference between buying the car of your dreams or settling for something less. That's why our finance team has cultivated so many relationships with local and national lenders. We leverage these relationships every day to find our customers the best rates and terms possible. We don't want to sell you a car you can't afford. We want you to enjoy an experience that fits your needs and budget — one you'll want to repeat and recommend to your friends and family. We invite you to explore our loan options online or come sit down with one of our friendly, knowledgeable finance team members to discuss your situation. No matter what financial concerns you have, our team can find you a loan that makes sense.

With the holiday that everyone associates with fireworks and delicious grilled meats coming up, we at Keith Pierson Toyota feel that it’s time we let you know what the Fourth of July means to us – giving our Jacksonville, FL customers the best deal on a new and pre-owned Toyota vehicle! So when you’re sitting down with the family and enjoying your Fourth of July cookout, just remember the amazing deal you got with us, and remember that our Toyota dealership got your holiday started with a bang. If you’re looking for an SUV with an attitude for adventure, then you need to check out the 2019 Toyota RAV4. With its 2.5-liter four-cylinder engine putting out 203 horsepower and the Direct Shift 8-speed automatic transmission, this SUV is here to provide you with a great ride in a variety of driving conditions thanks to the standard Multi-Terrain Select on All-Wheel-Drive gas models. Add in the capability to tow up to 3,500 lbs, and you’ve got an SUV that can hold its own in the outdoors and while also looking great on the highway and in town. Right now, you can finance a 2019 RAV4 for as little as $239/month! But maybe you’re looking for a bit of a change of pace from the SUV. Maybe you just want a vehicle that can get you from A to B without hurting your wallet at the pump. If that's the case, then the 2019 Toyota Camry is what you’re looking for. This model comes with a fun and engaging interior that feels more futuristic and dynamic than ever, with an available 8-inch touchscreen with the Entune™ 3.0 system to deliver superior entertainment. And right now, a new 2019 Toyota Camry can be yours for over $1,000 off the Manufacturer’s Suggested Retail Price. So what are you waiting for? Get in to our Jacksonville, FL Toyota dealership for the best deals on the Toyota vehicle you deserve for the Fourth of July! See you soon!

At Keith Pierson Toyota, we’re dedicated to providing the greatest experience possible when buying, leasing, or selling a new or pre-owned Toyota car. Our Jacksonville, FL Toyota dealer provides excellent service and always strives to maintain the best deals for our customers, and this summer, we’re ready to provide great deals for you! Whether you’re looking for a family vehicle or a fun, nimble car, we’ve got what you need. When you’re looking for a reliable family vehicle, then you need to check out the 2019 Toyota Highlander. With an efficient 27 estimated MPG highway and a versatile 2.7L 4-cylinder engine, you’re getting a fun ride that won’t break the bank. And with an included Entune™ 6.1-inch screen with the Entune™ multimedia bundle that includes MP3 and WMA playback capability, and a USB 2.0 port, you’re getting a vehicle that will keep you and your passengers entertained for the long haul. With safety features like Toyota Safety Sense™ P that include options like Dynamic Radar Cruise Control, you can safely keep pace with the flow of traffic even in slowing and increasing levels of traffic. But if you’re looking to get things done this summer, the 2019 Toyota Tacoma is what you’re looking for. This all-purpose truck is powered by a heavy-duty 3.5-liter V6 engine and features a maximum payload of 1,420 lbs, and a maximum trailering capacity of 6,700 lbs, making it perfect for outdoor work in any condition. And when you add in safety features like Lane Departure Alert to keep your vehicle on track, you’re going to have a reliable workhorse truck for years to come. Summer’s heating up, and so are our sales! Come in today for excellent deals on these and so many more Toyota vehicles. Our expert staff will get you behind the wheel, and our expert service technicians will keep you supported and in top shape on the road. See you soon!

Summer humidity is in full swing in Jacksonville, FL. The first big grilling holiday is coming up, and at Keith Pierson Toyota, we’re gearing up for big sales! Memorial Day is upon us and we’re getting ready to make sure our customers receive only the best deals on their new or pre-owned Toyota vehicle. Today, we want to show off the best of the best and remind you that there’s even more in store this holiday! There’s no doubt that one of the most iconic sedans in automobile history is the Toyota Corolla. And right now, you can get a new 2019 Toyota Corolla SE for over $1,750 off the Manufacturer’s Suggested Retail Price (MSRP)! This sedan is equipped with a 1.8L I4 engine that makes for fun, responsive driving and an efficient 28 MPG city and 35 MPG highway. And with available features like a 6-Inch LCD Infotainment screen powered by Entune audio and safety features like Lane Departure Alert with Lane Keep Assist, you’re getting a tech-forward new Toyota car for a great price. But if you’re looking for a vehicle that has the power and the performance of an off-road ready SUV, then you need to get your hands on the 2019 Toyota RAV4. Its powerful 2.5L Four-Cylinder engine is well-suited for city as well as highway driving, while consistently delivering an impressive 30 combined MPG! It can also tow up to 1,500 lbs, so any toys you want to bring can come with you on your adventures. So head down to our Jacksonville, FL Toyota dealership for the best deals this Memorial Day weekend. We’re always striving to make sure you save as much as possible on the best vehicles on the market. See you soon!

When you’re looking for a new or pre-owned Toyota car, the buying process can be pretty overwhelming if you’re not prepared. So today, Keith Pierson Toyota wants to share with you some useful advice to make sure you find a car that’s right for you, and right for your new car budget. The first thing to realize is that the price you’re seeing on the website is not the total price that you’ll be paying. That’s because of costs like registration and title fees, sales tax, and any extended warranty you might buy at the time of purchase. You’ll also need to factor in the secondary costs of ownership as well. These include car insurance, fuel costs, maintenance, and registration renewals. These should all get rolled into the amount of money you’re prepared to budget for your new vehicle. Don't fret, though. There are definitely opportunities to bring those costs down. You’ll need a down payment to get a decent monthly rate on your vehicle. Remember, the more you pay off in the first place, the less your monthly payments will be, and the less interest you’ll pay in the long run. To help with your payment, consider trading in your old vehicle to add its value to your down payment. It can be a very big help. Finally, you need to figure out the maximum amount your monthly payment can be in relation to your income. It’s a good rule of thumb to make sure your transportation costs don’t exceed 15 percent of your monthly income, and the finance experts at our Jacksonville, FL dealership are here to make sure you do not go over your budget. Come in and discover what we have for you today – you’re going to love it!

It’s April, and while that may mean showers that lead to May flowers, for all of us, it’s also tax time. Keith Pierson Toyota has great deals on several of your favorite Toyota models that you can use in conjunction with your tax return to provide yourself with a price on a Toyota that won’t be possible anywhere else. So check these deals out today, and see how you can bring home a new or pre-owned Toyota car for yourself. The Toyota Corolla, the sedan that has a legacy of excellence and dependability, is here at our dealership. Right now, you can buy or lease a 2019 Toyota Corolla for $0 down or $179 a month, before you add in any of that tax return. That means you’re getting a new Toyota Corolla, with an impressive estimated 28 MPG city and 36 MPG highway. With the Toyota Safety Sense™ P (TSS-P) suite of modern safety features, including Pedestrian Detection and Lane Departure Alert with Steering Assist, you’re going to be able to keep yourself and your passengers safe while on the road. Another great special we have is on the 2019 Toyota RAV4, the compact SUV that has been making headlines for years. Right now, it’s available to buy or lease for $0 down or $249 a month. This 5-person SUV provides ample storage space and a total payload capacity of 1,230 lbs. You’re going to have the total package of power and style that still gets a combined estimated 30 MPG, even with a strong four-cylinder 2.5L engine under the hood. So drive home on your tax return today! Our expert sales staff and knowledgeable experts will make sure you won’t get a better deal in the Jacksonville, FL area. See you soon!

Finding the best Toyota brand specials is easy: you can either shop online at the official Toyota website, or you can visit Keith Pierson Toyota and do your shopping in-person. It’s a win-win situation, because either way you’ll drive home in a brand-new purchased or leased Toyota at a great price. more Right now, our local Toyota dealership is offering spectacular specials across our lineup of brand-new 2017 Toyota cars, trucks, and SUVs. Many of these specials entail zero percent financing for up to 72 months, an outstanding offer that’s applicable to sedans like the 2017 Toyota Yaris iA, the 2017 Toyota Camry, and, if you fancy big savings on the best-selling automobile of all time, a Toyota Corolla near Orange Park, FL. The 2017 Toyota Yaris iA offers some of the best value you’ll find in the compact sedan segment. Outstanding fuel economy, an impressively-designed cabin, plentiful standard equipment, and impressive steering and handling are all part and parcel to this dynamic car. It comes in a single trim equipped with a 1.5-liter four-cylinder engine that outputs 106 horsepower and 103 lb.-ft. of torque and pairs with either a six-speed manual or six-speed automatic transmission. Minivan shoppers, our Toyota dealers serving Jacksonville, FL can’t wait for you to see our selection of 2017 Toyota Sienna models, which right now can also be had at a zero percent APR for up to 72 months. Families throughout Florida sing the praises of this multifaceted minivan, which delivers year after year. The 2017 Toyota Sienna is the only vehicle in its class to offer all-wheel drive (AWD), and its highly configurable cabin, first-rate materials and features, and superlative ride put it head and shoulders above its competition. These deals won’t last long, so visit our nearby Toyota dealer today!

Thinking of purchasing a pre-owned Toyota car? The experienced dealers at Keith Pierson Toyota can give you several reasons why buying pre-owned is a solid move. Records are being set every year in terms of new-car sales, which means more top-quality pre-owned vehicles are available than ever before...and our local Toyota dealership has some of the best models. more There are well-documented advantages to buying a pre-owned vehicle in today’s automotive climate. Pre-owned vehicles don’t depreciate nearly as much as new vehicles - some of which can lose 40 percent of their value in the first year of ownership alone. And while pre-owned cars do depreciate (just like any other asset), the fact that automobiles are so well-built nowadays means there’s a strong chance your pre-owned vehicle will retain a substantial amount of its value – enough for you to sell it or trade it in when you’re ready for something else. Another reason to buy pre-owned is the sheer amount of choices available. From pre-owned SUVs that are barely a year old to pre-owned sedans that aren’t manufactured anymore, there are plenty of gems out there waiting to be uncovered by intrepid pre-owned shoppers. All it takes is a little time and a little research, and chances are good you’ll find the exact car you’ve been searching for your entire life…or maybe for just the last year or two. Buying a pre-owned vehicle, i.e. a Toyota RAV4 near Orange Park, FL, is also advantageous because of the peace of mind today’s pre-owned market offers. Gone are the days of shady used-car dealers and “lemon-phobia”. The pre-owned cars of the 21 st century are backed up by copious amounts of data, the best example being the vaunted CARFAX report. Our pre-owned Toyota selection awaits, so stop in today!