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.

 

How It Works


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

 

START HERE

Contact our Finance Director to review all the available finance options.
(513) 297-2516

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.

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!

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.
Joseph Toyota of Cincinnati is located at: 9101 Colerain Ave • Cincinnati, OH 45251
Saved
Saved Vehicles ×

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact
Contact Us ×

(513) 385-1800

Call Now

9101 Colerain Ave • Cincinnati, OH 45251

Get Directions

Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7:30am-6:30pm

Open Today! Parts: 7:30am-6:30pm

Joseph Toyota of Cincinnati

9101 Colerain Ave Cincinnati, OH

Phone: (513) 385-1800

http://maps.google.com/?q=9101%20Colerain%20Ave%2C%20Cincinnati%2C%20OH%2045251

Parts

Phone: (513) 297-2424

9101 Colerain Ave Cincinnati, OH

Sales

Phone: (513) 297-2516

9101 Colerain Ave Cincinnati, OH

Service

Phone: (513) 297-2212

9101 Colerain Ave Cincinnati, OH
39.2369765 -84.5933604
[schema type="organization" orgtype="LocalBusiness" url="www.josephtoyota.com" name="Joseph Toyota of Cincinnati" description="" street="9101 Colerain Ave" city="Cincinnati" state="OH" postalcode="45251" country="US" email="mark@josephtoyota.com" phone="(513) 385-1800" logo="https://di-uploads-development.dealerinspire.com/josephtoyotaofcincinnati/uploads/2018/08/JosephToyotaAdvangageOGImage.png"]
Joseph Toyota of Cincinnati
Joseph Toyota of Cincinnati
9101 Colerain Ave
Cincinnati, OH, 45251 US
(513) 385-1800
https://di-uploads-development.dealerinspire.com/josephtoyotaofcincinnati/uploads/2018/08/JosephToyotaAdvangageOGImage.png
Joseph Toyota of Cincinnati 39.2369765, -84.5933604.