iFinance

Limited credit? No worries. Through a participating Toyota dealer our iFinance Program can help get you into a new Yaris or Matrix without a co-buyer.
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 iFinance program allows qualified applicants to drive off in a new Toyota Corolla, Matrix, Tacoma or Yaris without a co-applicant.*
Both finance and lease contracts are available. With a TFS finance or lease contract, you can start building your credit history. Just meet the following criteria:*

• Credit Line. At least one satisfactory credit line (minimum $500 trade line) open for at least one year, and no adverse credit.
• References. Five personal and verifiable references.
• Employment. 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.
• Vehicle Insurance. You must show verifiable proof of insurance, as required under the terms of your TFS contract.
• Minimum down payment. Minimum down payment of 10% of MSRP or selling price, whichever is less.