we have never sold vehicles over MSRP

Finance




Auto Financing at Toyota South in Richmond, KY

Found the vehicle you been dream of? Get all of your financial questions and paper work done at Toyota South in Richmond, KY. We make buying a car fun!


Auto Loans

The Toyota South finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Richmond , Winchester, and Nicholasville to ensure our customers get the right finance program at the most competitive rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Frankfort to Berea. Whether you are right down the road or an hour away from Richmond you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and monthly payments.

How is your credit?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

The Toyota South loan process can help you find the best interest rate for your next vehicle purchase.

Try our FREE credit application today!

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Toyota vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Toyota vehicles currently available for immediate delivery.

Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our FREE credit application online.

Once the application is completed, the Toyota South finance team will put together a loan package that is tailored specifically for you.


Online Credit Application

Fill out our online credit application and get pre-approved for your next vehicle.

Get Pre-Approved

Our Financial Services Include:

  • Competitive rates direct from the manufacturer and local Kentucky banks
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended warranty programs
  • And many more finance programs to fit your needs

We are always happy to answer your questions so please don't hesitate to contact us today!

Get to know the Finance Team

Selena Neal

What To Expect During the Process

Buying a new vehicle can be a stressful process specially financially. Toyota South near Lexington, KY, finance department is here to help you throughout the car buying process. Our team strives to be give you as much information you need as well as understand the financial process that happens in order for you to learn as well. We offer an online pre-approval form to get pre-approved for a loan and save time during the car buying process in the store. In addition, we offer an online payment calculator to make sure the vehicle you are getting is well within your budget. If you are looking for great deals going on at Toyota South, each month we offer new specials and used specials to save on your next purchase. Toyota South offers military rebate and college graduate rebate specials in order to show our appreciation to our servicemen and woman as well as help the next generation of workers get to the next chapter of their life. Also, be sure to use our value your trade tool to get a real offer for your current vehicle within minutes. If you have any questions during the car buying process or any other questions feel free to contact us. The financial team at Toyota South in Richmond, KY looks forward to getting you the car of your dreams in a stress free manner soon!

Car Finance Vocabulary

During the car buying process there maybe some vocabulary used that is not heard on the daily basis. Like any industry, however, the financing world has its share of odd and sometimes difficult to understand language. Here's a short list of the most common terms used during the finance process that will help you understand the lingo used:

APR: The Annual Percentage Rate

Assignment: A transfer of a loan from one lender to another

Base Price: The costs of a car with standard equip incentives & freight

Certificate of Title: A Legal document issued by a state at the time of sale.

Co-signer: A person who takes on a loan if the orig. borrower stops pay

Default: Failure to meet the terms of the loan

Interest: A percentage charge for a loan

MSRP: Manufacturers Suggested Retail Price

Refinance: When one loan is used to pay off another

Term: The length of the loan, 24, 48, 60... months

Underwriting: Verifying the data used to obtain a loan

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