Alternative Financing

Explore Affordable Auto Loan Solutions Through Four Stars Toyota

At Four Stars Toyota, we have an in-house finance department that proudly offers alternative financing solutions to drivers seeking affordable used car loans. Our Toyota dealership is eager to provide used car buyers of all credit levels with the financing support they require to drive home to Lawton, OK, or beyond in a quality pre-owned Toyota.

Don't allow your current credit rating to determine your driving situation anymore. Reach out to our Altus, OK, dealership staff at your earliest convenience for hassle-free financing options. Our friendly finance team will work diligently to present you with an array of viable loan options that get you behind the wheel of that used car, truck or SUV you have been eyeing!

How Is Alternative Financing Eligibility Determined?

Our alternative financing specialists will take into account a range of factors when reviewing your application for loan eligibility. Together with our trusted lending partners, we'll consider your:

Credit Score

The first item of business, once we receive your secure credit application, is to run a simple credit check to determine your current credit rating. Lenders will first want to know where you fall along the credit spectrum and the factors that have contributed to your scores, such as any bankruptcy filings, repossessions, foreclosures, divorces or other financial issues.

Debt-To-Income Ratio

Your debt-to-income ratio is calculated to determine your ability to pay back a used car loan. Do you have other loans that take up much of your income? Are you spending more money than you are taking in each month? Our dealership and our lending partners will want to ensure that we are setting you up for success and not creating any further financial setbacks.

Down Payment

When applying for alternative financing, it helps if you provide a significant down payment; doing so could improve your chances of qualifying for a used car loan. If you have a trade-in vehicle, you can put its value toward the down payment on your next car. The larger the down payment you can offer the better, as it reduces the total loan amount you are seeking, thereby reducing the risk to any potential lender.

Selected Vehicle

Whether you are interested in driving a late-model Toyota RAV4 or Highlander SUV, a pre-owned Corolla sedan or used car of another make, our finance staff will work to secure viable loan packages that help you get behind the wheel and back on track financially!

Apply For Used Car Financing Assistance Today

Make a positive change to your current credit situation by exploring all the auto loan options that are available to you here at Four Stars Toyota. You can express your interest in a loan today by filling out our secure online credit application now.

If you prefer to speak with one of our finance professionals about how to obtain a used car loan, then don't hesitate to stop by our dealership in Altus; we are conveniently located for nearby Frederick, OK, area drivers. Or, you can always give our finance department a call. We have extensive dealership hours so that there's always a convenient time for you to sit down with one of our auto loan experts.

Thank you for turning to Four Stars Toyota for assistance with your used car financing needs. We look forward to working with you every step of the way and seeing you drive off in a quality pre-owned Toyota or another used car, SUV or pickup, with the help from one of our hassle-free car loans!