How Can I Get Car Financing with Challenged Credit?

luxury car salesman giving new car key
The Toyota South KY finance team understands that not every situation will be the same when finding a new or pre-owned Toyota. Often, people will come to us wondering “can I get a car loan with less than perfect credit?” The simple answer is: yes! We’re ready to help offer our assistance in how to get a car loan with challenged credit. Learn all about:

  • Toyota challenged credit financing
  • How to get a car with challenged credit
  • How to save on a Toyota with the help of our new and pre-owned vehicle specials, which’ll answer the query “car dealership specials near me”

How to Get a Car Loan with Challenged Credit

At Toyota South, our KY finance associates make it possible for you to secure a Toyota challenged credit financing car loan near Lexington. Getting started by applying for financing online to get pre-approved is your first step, then you’ll work directly with our experts to find the right payment plan that’ll work for your budget.

What Steps Should I Take To Get a Car with Challenged Credit?

If you’ve found the Toyota you’ll want to drive around Berea, there are some things to get together before you drive off the lot. We’ll keep your best interest in mind when you’re looking to upgrade your daily drives.

Some important things to consider when you’re trying to obtain a car, truck, or SUV with less than perfect credit are:

  • Determine how much you can afford to pay per month based on your current budget
  • Consider saving up a sizable down payment to reduce the monthly payment amount on your new car
  • Try to clean up your credit report before applying for an auto loan
  • Be honest about what kind of car you should buy, and don’t get more than you need
  • Ask as many questions as you can in order to have transparency throughout the car buying process

Improve Your Credit Score

Improving upon your credit score is possible when you take out a car loan with challenged credit. Many don’t realize this, but making monthly payments on time, every time, will help improve your credit profile and overall credit score. This will assist you in offering more lending power down the road if you decide to venture into other low-interest loans or credit cards. Challenged car credit financing at Toyota South helps you find your way back to better credit choices when you borrow responsibly.

Finance a Car with Challenged Credit Near Lexington Today!

Looking to secure a car loan at our local Richmond car dealership? Contact us today, and we’ll help find the resources to help with buying a car out of state, what’s good mileage for a used car, help you find your next car with the help of new car specials near Richmond! With tools that’ll value your trade-in and help estimate your monthly payment amount, we’re here to assist you in all your car loan needs. We’re proud to be your local Toyota dealership as well as your guide to the area, providing you with recommendations on things to do in Frankfort, KY.


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All pricing and details are believed to be accurate, but we do not warrant or guarantee such accuracy. The prices shown above, may vary from region to region, as will incentives, and are subject to change. Vehicle information is based off standard equipment and may vary from vehicle to vehicle. Call or email for complete vehicle specific information. Please contact the BDC (Business Development Department) directly to confirm that the information provided on this page is accurate. As the possibility for data error exists, information listed on this page (such as inventory, options, color, pricing, accessories) could be incorrect. The available photo may not represent the actual vehicle & may be a stock photo. Options and color may vary. New Vehicles listed with Toyota South price includes the current Cash Back or Bonus Cash from (TFS), Toyota Financial Services as well as the dealer discounts off of original MSRP. Cash Back Incentives can not be combined with special interest rates unless noted otherwise. Additional discounts such as Recent College Graduate Cash or Military Rebate are not included in the Toyota South price and may be used by qualified buyers only. Not all consumers will qualify for the Recent College Graduate Cash or Military Rebate. The prices shown does not include sales tax, License Fee, $479 Dealer Processing Fee or any special finance charges. All prices, specifications and availability are subject to change without notice. Contact dealer for most current information. MPG estimates reflect new EPA methods beginning with 2008 models. Your actual mileage will vary depending on how you drive and maintain your vehicle. Actual mileage will vary with options, driving conditions, driving habits and vehicle’s condition. Mileage estimates may be derived from previous year model.
While great effort is made to ensure the accuracy of the information on this site, errors do occur so please verify information with a customer service rep. This is easily done by calling us at 859-624-1313 or by visiting us at the dealership.


Toyota is committed to accessibility, diversity, and inclusion for all of its guests. We believe everyone should be able to visit, use our mobile apps, and access our service easily. We welcome feedback. If you notice any content, feature or functionality of the Site that you believe is not fully accessible to people with disabilities, please contact us and provide a description of the specific feature you feel is not fully accessible or a suggestion for improvement. We take your input seriously and will consider all feedback received as we evaluate ways to accommodate our customers and continuously improve our overall accessibility policies.”

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961 Four Mile Rd • Richmond, KY 40475

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Toyota South 37.759817, -84.275124.