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Toyota financing Tier rates?

Regular Contributor

Toyota financing Tier rates?

Does anyone know what Tier rates Toyota financing uses? What is there min score required for their best rates?
Message 1 of 16
15 REPLIES
Valued Contributor

Re: Toyota financing Tier rates?

I believe i read that you need at least a 680 to get the good rates!

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 2 of 16
Regular Contributor

Re: Toyota financing Tier rates?

So u only need a 680 to get their best rates? thats low  compared to other auto finance co.

 

Message 3 of 16
Senior Contributor

Re: Toyota financing Tier rates?


joeblow2 wrote:
Does anyone know what Tier rates Toyota financing uses? What is there min score required for their best rates?

According to this

 

 

  • TIER 1+ FICO 720+ (UP TO 60 MOS) 5.90
  • TIER 1 FICO 719-690 (UP TO 60 MOS) 5.95
  • TIER 2 FICO 689-670 (UP TO 60 MOS) 7.35
  • TIER 3 FICO 669-650 (UP TO 60 MOS) 9.30
  • TIER 4 FICO 649-630 (UP TO 60 MOS) 13.50
  • TIER 5 FICO 629-610 (UP TO 60 MOS) 15.75
  • TIER 6 FICO 609-580 (UP TO 60 MOS) 17.75
  • TIER 7 FICO 579-520 (UP TO 60 MOS) 19.10
TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it
Message 4 of 16
Regular Contributor

Re: Toyota financing Tier rates?

Thx. 1 more ? does anyone have the latest tier rates of Infiniti financing ?

 

 

Message 5 of 16
Valued Contributor

Re: Toyota financing Tier rates?

Thanks Matt for the clarification!Smiley Wink

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
Gardening since June2016
Message 6 of 16
Senior Contributor

Re: Toyota financing Tier rates?


joeblow2 wrote:

Thx. 1 more ? does anyone have the latest tier rates of Infiniti financing ?

 

 


I did some looking around and could not find a table for them, but I suspect they'll be at least roughly comparable to what I found for Toyota.

 

TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it
Message 7 of 16
Regular Contributor

Re: Toyota financing Tier rates?

As this is a Scion table for a particular dealer, can we be sure it applies to the regular Toyota make at all dealers nationwide?


Starting Score: 550
Current Score: 673 EQ, 681 TU, 650 EX
Goal Score: 720

Update April 1: TU 615/EQ624
Update June 28: TU 641/EQ 626
Update Sept 21: TU 681, EQ 673, EX 650 (FAKO)
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Message 8 of 16
Epic Contributor

Re: Toyota financing Tier rates?

650 with Toyota gets you tier 3 and that qualifies for the special financing or lease specials.

I had about a 655 with Infiniti when I got the promo APR for a new QX56, not sure if they still as easy, as that was before the credit crash.

Message 9 of 16
Senior Contributor

Re: Toyota financing Tier rates?

720+ & you still have to pay over 5%???  WTH?

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 10 of 16