topic Re: Toyota Leasing in Auto Loans

Toyota Leasing

Wavester64 — Fri, 12 Mar 2021 17:05:57 GMT

What CB/score does Toyota pull from for a lease?

One of my cars died this week and I am pondering leasing a Toyota.

Re: Toyota Leasing

DoogieBall — Fri, 12 Mar 2021 19:19:23 GMT

When I leased from Toyota in 2015, they pulled TU and EX. I don't remember what they pulled in 2012.

On a side note, I had two bad experiences with Toyota finance both dealing with a couple months of automatic payments after returning both leases.

Re: Toyota Leasing

4sallypat — Fri, 12 Mar 2021 20:52:06 GMT

When I applied for a Tundra Lease thru TFS over 5 years ago they pulled from Experian Auto Enhanced FICO.

If you are previous TFS (even older TMCC) customer, they will give you a bump up in tier which lowers your MF.
I was a tier 2 but they bumped me to tier 1.

TFS had records of my last finance thru TMCC back in the 1990s...

Re: Toyota Leasing

Wavester64 — Mon, 17 May 2021 14:45:36 GMT

@4sallypat wrote:
When I applied for a Tundra Lease thru TFS over 5 years ago they pulled from Experian Auto Enhanced FICO.

If you are previous TFS (even older TMCC) customer, they will give you a bump up in tier which lowers your MF.
I was a tier 2 but they bumped me to tier 1.
TFS had records of my last finance thru TMCC back in the 1990s...

When you say Experian Auto Enhanced FICO, which score are you referencing exactly?

Under EX, I see 3 different AUTO versions: AUTO2, AUTO8, and AUTO9.