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Frequent Contributor
Posts: 324
Registered: ‎07-03-2007
0

Does toyota blacklist?

Just curious. I had a ch 7 in 2008 and included a Camry with toyota financial. I've rebuilt some since then, and was told by a dealer that she "doesn't think " they blacklist, but I'm curious. She said a score above 650 will qualify, and my score is above that (656) but I'm still a little concerned. Anyone have any experience with this?
Income is about $70k, currently have one open car loan with Ally on my wife's 2014 chevy traverse.
Established Contributor
Posts: 857
Registered: ‎10-25-2011
0

Re: Does toyota blacklist?

Most lenders do. If they do and you apply, they shouldn't inq your credit. Someone correct me if i'm wrong. 

 

Why not just apply at a local CU? They are great on auto loans.

Epic Contributor
Posts: 29,094
Registered: ‎10-23-2007
0

Re: Does toyota blacklist?


jason0618 wrote:
Just curious. I had a ch 7 in 2008 and included a Camry with toyota financial. I've rebuilt some since then, and was told by a dealer that she "doesn't think " they blacklist, but I'm curious. She said a score above 650 will qualify, and my score is above that (656) but I'm still a little concerned. Anyone have any experience with this?
Income is about $70k, currently have one open car loan with Ally on my wife's 2014 chevy traverse.

I have not found with cars anyone does... it's just a matter of how long and current score and since you are already financing a car you might find your auto enhance to be even a bit higher and you can qualify for the 0%

New Contributor
Posts: 68
Registered: ‎05-09-2014
0

Re: Does toyota blacklist?

We filed BK7 in 2009, our truck which was financed by TFS was repo'd a few months after discharged due to one late. We were able to buy and finance throught them again in 2012. So if they do blacklist, it's not for long.

Frequent Contributor
Posts: 268
Registered: ‎06-26-2009
0

Re: Does toyota blacklist?

[ Edited ]
 
EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
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Frequent Contributor
Posts: 324
Registered: ‎07-03-2007
0

Re: Does toyota blacklist?

True. I ended up applying. Got a14.5camry

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