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Does toyota blacklist?

Frequent Contributor

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.


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Message 1 of 6
5 REPLIES
Established Contributor

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.

Message 2 of 6
Epic Contributor

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%

Message 3 of 6
New Contributor

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.

Message 4 of 6
Frequent Contributor

Re: Does toyota blacklist?

 
EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Message 5 of 6
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Frequent Contributor

Re: Does toyota blacklist?

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


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