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Don’t let anything come between you and your Toyota

For those with limited credit history, financing or leasing a vehicle can be a challenge. But through a participating dealership, Toyota Financial Services has a program designed especially for you. The iFi program allows qualified applicants to drive off in a new Toyota Corolla, Matrix, Tacoma or Yaris without a co-applicant.¹

Get on the road today
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 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. A full-time job, which you've held for at least six months with income & employment verification.

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. See your dealer for details.

Cap Cost Reduction. Minimum cap cost reduction is 10% of MSRP or the agreed upon value of the vehicle, whichever is less.

Other restrictions apply. See your dealer for details.

For more information, please see your Toyota dealer. To locate the Toyota dealer nearest you, use our dealer locator.

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¹ Maximum net capitalized cost 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 terms, restrictions, state eligibility and program compatibility. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation.