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Don’t let anything come between you and your Toyota

If you have limited credit history, you might think financing or leasing a new Toyota isn’t possible. But, you may still have options. TFS, through participating Toyota dealers, has a program that allows individuals with limited credit history to take off in a new Toyota, without a co-applicant.1

Get on the road today
Not only will the iFi program help put you behind the wheel of a new Toyota Corolla, Matrix, Tacoma or Yaris—TFS finance or lease contracts may help qualified applicants start to build a healthy credit profile.

To benefit from the TFS iFi program, you must have the following:
  • Credit History. A FICO score of 610 or above. No 90 day past due or more accounts, charge-offs, collections, repossessions or foreclosures in your credit history.
  • References. Three personal and verifiable references.
  • Employment. Verifiable proof of a full-time job for at least six months.
  • Sufficient Income. Your income must be enough to cover ordinary living expenses and your Toyota 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 of 10% of MSRP or selling price, whichever is less.
Other restrictions apply. Visit your local Toyota dealer for details. To locate the Toyota dealer nearest you, use our dealer locator.

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1 Maximum amount financed up to $25,000. Available on approved credit through participating Toyota dealers and Toyota Financial Services to qualified customers. Not all applicants will qualify. Programs may not be available in all areas. Programs are subject to change or termination at any time. Please see your Toyota dealer regarding finance terms, restrictions, state eligibility and program compatibility. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation.