Finance Center

For New or Used Car Loan Questions Call: (888) 458-1293

So you're in the market for a vehicle from Valdosta Toyota? Great… we're happy you're here! Whether you're shopping for a new or pre-owned automobile, Valdosta Toyota has the loan experts to assist you.

Feel free to use our easy loan calculator to the right to estimate your traditional finance payments.

You can apply online for a car loan with our online finance application form. It's secure, and when we receive the application, our staff will look it over and contact you as soon as possible.

And whether you are shopping for an automobile or you already have one, don't forget to protect your investment with a Valdosta Toyota vehicle service contract.

Do You Have A Trade-In Vehicle?

A big part of financing is how much is your current vehicle, if you have one, worth as a trade-in. We can't give you a definite answer until we examine your vehicle ourselves, but to help you get an estimate, Valdosta Toyota recommends using the Black Book estimator. We have included link to the right for your convenience.

Buying vs Leasing - A Brief Overview

In making the decision on whether to buy or lease your new car, it is helpful to understand the primary differences between the two options. As follows is a brief overview for your consideration.

When you buy a car, you pay for the whole vehicle. You will usually make a down payment, pay the sales tax in cash or roll them into your auto loan and pay an interest rate on the balance of the loan. Generally, your first payment is due a month after you sign your contract. This option may fit those who plan to keep their car for a long period of time and have a need to put unlimited miles on the vehicle.

When you lease, you are paying for only what you use of the vehicle. You do not have to put money down and sales tax will be included as part of your monthly lease payment. Your lease payment is determined in part on a money factor that is similar to the interest rate on a loan. You make your first lease payment at the time you sign your contract.

We hope this is helpful to determine which option best fits your situation. Our trained finance staff is available to give you further information about leasing or financing your next vehicle.

Credit Resources

Knowing the state of your credit is important. To get a true and current picture of your credit, contact one of the three major credit reporting agencies to get your credit report, including your credit score, by phone or via their website.

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