First Time Car Buyer Program

AUTO FINANCING FOR THE

FIRST TIME CAR BUYER

Buying a car is an important decision and being a first-time car buyer can be worrisome. Joseph Toyota is here to make your car-buying process as EASY as possible. Learning about the auto financing process and researching vehicles in advance can reduce your stress and make your first time car-buying experience much easier.

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HOW IT WORKS



For those with limited credit history, financing or leasing a vehicle can be a challenge, however Joseph Toyota and Toyota Financial Services, has a program designed especially for you.
1

START HERE

Contact our Finance Director to review all the available finance options.

Greg Wilcher
gregw@josephtoyota.com
(513) 385-1800 ext. 8226

2

WE MAKE IT WORK

We've helped thousands of first time car buyers, who never thought they could get an auto loan, finance the car they want.

3

YOU PICK YOUR CAR

With financing in hand, our sales pros will help you choose the perfect new or pre-owned vehicle you have always wanted!

4

WATCH YOUR CREDIT IMPROVE

Positive credit activity, like making regular payments on your vehicle, can help your credit score.

BUILDING UP YOUR CREDIT



Both lease and finance contracts are available. With a TFS finance or lease contract, you can start building your credit history. Just meet the following criteria:*
Credit Line
A FICO score of 610 or above. No 90 day past due or more accounts, charge-offs, collections, reposessions or foreclosures in your credit history.
References
Three personal and verifiable references.
Employment
Verifiable proof of a full-time job, which you've held for at least six months.
Sufficient Income
Your income must be enough to cover ordinary living expenses and vehicle payments, and be consistent and verifiable. Your monthly payment may not exceed a certain percentage of your gross monthly income.
Minimum down payment
Minimum down payment is 10% of MSRP or the agreed upon value of the vehicle, whichever is less (excludes any rebates or dealer incentives).
Other restrictions may apply
See dealer for details.

*Maximum amount financed up to $25,000. Available on approved credit through Toyota Financial Services to qualified customers. Not all applicants will qualify.

I'm A First-Time Car Buyer!

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