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What credit needed to get 0% from Toyota/Lexus?

Agent86
New Contributor

What credit needed to get 0% from Toyota/Lexus?

Current scores are 729 trans union, 720 experian, 698 equifax (lots of inquiries).
Citi Platinum Dividend $34,600 line, 14.2%%
Bank of America Platinum Rewards, $85,000 line, 13.99%
Discover It $50,000 line, 20.9%
Amex Blue Cash Preferred $18,000 line, 9.99%
Capital One Venture One, $8,500 line, 20.9%
Amex Hilton Honors $25,000 line, 17.24%

Amex Delta Platinum, 20,000 line, 22.99%
Belk store card, $124 line, 15%, $0 balance on all cards
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dabrian
Frequent Contributor

Re: What credit needed to get 0% from Toyota/Lexus?

That's more than high enough score wise atleast regarding toyota.

NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 2 of 4
Dustink
Valued Contributor

Re: What credit needed to get 0% from Toyota/Lexus?

It is not just about score, length of history, employment, down payment, past auto history ect. Can all play a roll in the approval.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
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Creditaddict
Legendary Contributor

Re: What credit needed to get 0% from Toyota/Lexus?


@Agent86 wrote:
Current scores are 729 trans union, 720 experian, 698 equifax (lots of inquiries).

Given your CL's unless you have high util. you should be just fine! Both Toyota and Lexus will take your highest out of all 3 usually or at least from TU and EQ and they need 650 to lease.... now tier 1 i think is 680 or 700 but either way, they can get it done!

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