Car Financing in Fairfield, OH

Performance Toyota Finance Center

Welcome to Performance Toyota’s finance portal. From here, you’ll have all the tools you need to find the perfect finance deal on your new car, truck, or SUV. At Performance Toyota, we understand that many people find the auto financing process stressful. That’s why we created this portal, to help you navigate the process from start to finish. In addition, we’ve put together a team of financial professionals dedicated to helping you. 

Our team can answer any questions, provide expert advice on loan terms, and help you with the sometimes complicated paperwork. So, whether you’re shopping for a new car, a certified pre-owned model, or a used vehicle, we’re here to provide you with an unparalleled financing experience.

Performance Toyota Financing Options

At Performance Toyota, we have a variety of options when it comes to financing a car. Most buyers go with a conventional car loan, which we can tailor to fit any budget or credit category. Typical conventional car loans run 36-72 months, and interest rates vary based on several factors, such as credit score, loan amount, vehicle type, etc. We recommend you meet with one of our finance managers to help you find the best deal.

Sometimes, buyers find themselves in a complicated financial situation. Whether that’s a less-than-desirable credit rating or you’re upside down on your existing loan, our team can help. We have cultivated relationships with local and national lending institutions to offer comprehensive loan programs for any financial situation.

Many buyers have shifted to leasing a new vehicle versus buying a car. Leasing often requires a smaller down payment and gives you a lower monthly payment. Choosing to lease doesn’t immediately make you an owner. However, when the lease term expires, you can purchase the vehicle. You’ll finance much less at this point, which translates to a lower, more affordable monthly payment.

Financing Made Easy

Our finance managers have decades of experience processing loans and leases of all types and credit categories. We encourage buyers to sit with one of our experts, who’ll discuss your financial needs. Once we clearly understand your goals, we can quickly find the best deal for you from our extensive network of lenders. 

While it doesn’t happen often, we know some shoppers have relationships with a personal bank or credit union that can provide you with a better rate. That’s okay with us. We happily work with lenders outside our network and will coordinate and execute the necessary documents with your preferred lender.

In some cases, transferring documents between a lender outside our network, you, and our dealership can slow the loan process down. We do our best to complete the process promptly, which could take several days. As a result, many of our customers prefer financing with us. You can do your shopping, complete the deal, and drive home in your new car on the same day.

Take Advantage of Performance Toyota’s Online Finance Tools

We want your car-buying experience to be one you enjoy, not stressful. So, we created a finance portal with various tools to help you shop, budget, trade, and complete your purchase. And you can do it all from the comfort of your living room or home office. You’ll save time and eliminate frustration by using the available tools.

We recommend you begin the process by completing our online pre-approval application. It takes a few minutes to complete, and you’ll receive your approval in seconds. In addition, you’ll know your loan amount, interest rate, monthly payment, and terms. This information allows you to shop confidently, knowing exactly what you can afford.

If you have a vehicle you wish to trade in as part of the deal, we suggest you use our trade valuation tool  powered by Trade Pending. First, we ask some simple questions regarding your vehicle. Then we prepare a personalized offer for you in seconds. We’re so confident you’ll love the offer that we’ll purchase your car, even if you don’t buy another vehicle from us. And when you’re ready to make a deal, bring in your vehicle and the offer, and one of our appraisal experts will confirm the mileage and condition and certify the offer.

Now that you have your pre-approval and know the value of your trade, it’s time to have fun shopping. We invite you to browse our inventory online first. Then, as you identify potential vehicles, you can use our online payment calculator. This tool lets you input variables such as loan amount, interest rate, and trade allowance to calculate your monthly payment.

Performance Toyota Promotions

As you shop, we suggest you review our current promotions. We created a Specials Page with rotating deals. We change them often, so if you find a deal you like, take advantage of it. Common specials include low-interest rates, rebates, special lease deals, zero-down offers, and more.

We also have special offers to reward specific customers. For example, you can find rebates, deals, and incentives for military personnel and recent college graduates. Plus, we offer many incentives on outgoing and incoming inventory.

FAQs

Q: Can I finance a vehicle with no down payment?

A: In most situations, we can put together a loan that doesn’t require a down payment.

Q: Should I buy or lease my car?

A: This depends on your budget and ownership goals. You save money with a lower monthly payment, but you have restrictions on mileage. You pay more monthly to purchase a car but build equity with every payment.

Q: Can I qualify for financing with a low credit score?

A: Typically, we can find a deal to fit any credit category, even if you’ve been turned down elsewhere.

At Performance Toyota, we put smiles on faces and cars in driveways. If you’re ready to upgrade your commute with a reliable new or used car, purchasing from Performance Toyota guarantees you’ll end up with a great deal. You can apply for financing now or meet with one of our finance managers to discuss your options. If you have questions, please don’t hesitate to contact us. One of our friendly, knowledgeable staff will answer your questions and get you on track for financing. Call us today at, (513) 874-8797. We are here to help!