http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736312#M26384 Also forgot to add, current minimum debt payment for cc is 500 month, house is $1500. I make 7400 per month before taxes. No late payments ever. Im also gonna guess my auto enhanced fico is higher than 713 since I have a clean history on car loan payments and recently paid off. Does Toyota use auto enhanced ficos. Thu, 06 Dec 2012 17:25:02 GMT Monkeygirl531 2012-12-06T17:25:02Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736300#M26383 Hello, im looking to purchase either a new Rav 4 or new Camry soon, since my current work vehicle is starting to get real old, and my 2nd car is for leisure only. I would like to get a 0% financing deal. My current score for eq here on myfico is 713, my utilization is 30%. I make 90k per year. I do have a Mercedes Benz loan paid off just recently in May. can anyone give me an insight on my creditworthiness for 0% with Toyota? Thu, 06 Dec 2012 16:55:46 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736300#M26383 Monkeygirl531 2012-12-06T16:55:46Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736312#M26384 Also forgot to add, current minimum debt payment for cc is 500 month, house is $1500. I make 7400 per month before taxes. No late payments ever. Im also gonna guess my auto enhanced fico is higher than 713 since I have a clean history on car loan payments and recently paid off. Does Toyota use auto enhanced ficos. Thu, 06 Dec 2012 17:25:02 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736312#M26384 Monkeygirl531 2012-12-06T17:25:02Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736416#M26385 <p>From what I've seen posted on here from here posters you shouldn't have any issues at all.  If I recall correctly Toyota usually wants 650 or better.  Don't quote me on that number.  Blessings on the future purchase.</p> Thu, 06 Dec 2012 17:41:10 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1736416#M26385 coreyb80 2012-12-06T17:41:10Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1740348#M26420 <p>Hi</p><p> </p><p>My local Toyota dealer advised me, he could get me approved for a toyota lease with 620 credit score.</p> Sat, 08 Dec 2012 22:32:24 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1740348#M26420 bigpayback 2012-12-08T22:32:24Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1740500#M26423 <p>Was approved for Toyota Camry for 1.9% for 63 months with Equafax at 652.  Would have gotten 0% for 48 months they also pulled Transunion which pushed me to Tier 1 Fico was I think around 700.</p> Sun, 09 Dec 2012 01:20:12 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1740500#M26423 germaine47 2012-12-09T01:20:12Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1740570#M26424 I Dont think they have high qualifications. I was approved for 2.9% on a used car with a 650ish fako 18 months ago. I don't think you'll have any problem getting their best rate. Sun, 09 Dec 2012 02:20:37 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1740570#M26424 Paperboy999 2012-12-09T02:20:37Z http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1743970#M26470 <p>You won't have any issues.</p> Tue, 11 Dec 2012 01:36:39 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Toyota-0-financing-what-kind-of-credit-needed/m-p/1743970#M26470 dabrian 2012-12-11T01:36:39Z