TFS credit tiers

[MsTucker09]

does anyone know the curent credit scores for tiers 1-3 for toyota? Will be buying one the end of this month and I wanted to know if I should try to get my own financing or try to be approved with TFS.  My credit scores are below on my signature but I have paid 1k on CC to bring my util to <10% so once my statements close and are reported accordingly, I will buy them again.  Thank you

[Anonymous]

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@MsTucker09 wrote:

does anyone know the curent credit scores for tiers 1-3 for toyota? Will be buying one the end of this month and I wanted to know if I should try to get my own financing or try to be approved with TFS.  My credit scores are below on my signature but I have paid 1k on CC to bring my util to <10% so once my statements close and are reported accordingly, I will buy them again.  Thank you

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Sorry, I can't help much on the score tiers.  However, why not just try to get your own financing AND try to be approved with TFS?  Take the best rate.

[MsTucker09]

That was my first option but I was just curious. I know some lenders do their low interest rates for scores in the low 600s. I would probably try to get my own financing first anyway. Thanks tho

[Anonymous]

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@MsTucker09 wrote:
That was my first option but I was just curious. I know some lenders do their low interest rates for scores in the low 600s. I would probably try to get my own financing first anyway. Thanks tho

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Yeah, I have heard that some captive lenders will stretch their promo rate tiers fairly low.  I wish you luck.  Let us know how it works out.  Hopefully someone else can chime in with some TFS experiences.

[Creditaddict]

TFS Tier 3 which gets you Lease Specials and Finance is 650...  I was working with a dealership back before I moved and they would take best out of the 3, I also looked over a yer ago in Cali and they only pulled 1 score.  Either way my Auto Score was far from my regular Fico' so didn't proceed.

[MsTucker09]

thank you guys and i will keep you updated to my status