Finance Center

Open Today! Sales: 9am-6:30pm Call us at: (205) 553-3325

Get Online Pre-Approval For Financing

No matter what your credit situation, our specialists can help tailor a finance package to fit your needs. Our experience with a wide variety of financial institutions helps us provide financing for all credit levels. To get started, just complete our secure online credit application. We’ll help you get pre-approved, making it even easier for you to shop for your next vehicle.

Credit Challenged Auto Loans in Tuscaloosa, AL, Serving Birmingham, Columbus, & Jasper

If you’re afraid your challenged credit will keep you from getting an auto loan, visit the Finance Center at Tuscaloosa Toyota in Alabama – serving Birmingham, Columbus, and Jasper – and let our experts put your fears to rest. Financing your next vehicle, including a reliable used Toyota Corolla, has never been easier! Check out our used Corolla inventory above!

There’s no reason to let challenged credit or no credit stop you from driving home a new Toyota. Our financial team will fight to find you lenders who will offer you an auto loan without charging a ridiculously high-interest rate. To save time, you can submit your financial application online and browse different Toyota vehicles while you wait for your appointment.

Working with us to secure a new or used auto loan can also help you begin building your credit for an improved score and greater peace of mind. Don’t feel embarrassed about your credit situation because we help shoppers with poor credit often. When times are hard, let Tuscaloosa Toyota help you drive home the new or used vehicle you need to help rebuild your credit and your life.

We’re your go-to destination for credit challenged auto loans and financing, so bring your car search here to experience some relief from the financial hassle. Schedule your appointment today to see how we can help you with a credit challenged auto loan. We’re available seven days a week at 3325 Skyland Boulevard East or over the phone at 205-553-3325.

Hours of Operation:

Phone Numbers:Sales Hours:
  • Mon - Fri9:00 AM - 6:30 PM
  • Sat9:00 AM - 5:30 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:00 AM - 6:30 PM
  • Sat7:00 AM - 4:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:00 AM - 6:30 PM
  • Sat7:00 AM - 4:00 PM
  • SunClosed
Finance Hours:
  • Mon - Fri9:00 AM - 6:30 PM
  • Sat9:00 AM - 5:30 PM
  • SunClosed
Rent a Toyota Hours:
  • Mon - Fri7:00 AM - 5:30 PM
  • Sat7:00 AM - 4:00 PM
  • SunClosed

How to Save Money in the Finance Department

Are you ready to buy that dream car, but don’t quite have the money to pay for it all upfront? With financing, you take out a car loan from a credit union, bank or automaker and make monthly payments on the loan for a set number of months. An advantage of financing is that it frees up your money for other life expenses. Also, it gives you the ability to purchase a car that you might not otherwise be able to afford if you had to pay for it all in cash. If you act proactively, you can reduce the amount of money you’ll pay over the life of the car loan. Here are some ways on how to save money in the finance department in the purchase of a car.

The availability of attractive loans depends on your credit rating. If you have a higher credit score, you greatly improve your chances of getting the best financing terms from a lender. If you have low credit score, you’ll be unlikely to get a loan on terms that you find acceptable.

There are a number of things you can do to improve your credit and overall credit score. You can start by looking at your credit report, which can be obtained for free once a year from each of the three major credit bureaus (TransUnion, Equifax, and Experian). You can check for any errors or late payments which could potentially lower your credit score. It is critical that you consistently pay all your bills on time, for your payment history contributes to 35% of your FICO credit score calculation. Additional things you can do improve your credit score include reducing the amount of debt you owe, keeping the balances low on your credit cards and paying off your debt instead of moving it around.

Additional Money-Saving Measures

It is important to thoroughly examine your budget and determine how much you can spend on monthly car payments and the down payment of a car loan. On this website, we have a useful payment calculator tool to see what your monthly payment and total loan amount will be over the life of the loan. Additionally, you can significantly reduce the amount you spend on a car purchase if you have a car to trade-in, so it is helpful to determine its trade-in value. Also, when evaluating your budget, you’ll also need to factor in such expenses like maintenance costs and insurance payments. From there, the most challenging part is sticking to your budget plan and continuing to save what you need.

It is also helpful to get preapproved for an auto loan before you go car shopping. Apply to several banks or credit unions to see who can give you the best rate and terms. You can also get pre-approval for financing by filling out the online form on our website. Here at Tuscaloosa Toyota, we have a helpful and friendly team of financial specialists who can answer your questions and work on a financial plan that fits your budgetary needs. Also, be sure to check out our no-cost non-factory Lifetime Warranty, which extends the standard Powertrain Warranty for any new Toyota model. Feel free to contact us, and we’ll get you on your way to purchasing your dream car.

Toyota logo
Tuscaloosa Toyota is located at: 3325 Skyland Blvd E • Tuscaloosa, AL 35405
Contact
Contact Us ×

(205) 553-3325

Call Now

3325 Skyland Blvd E • Tuscaloosa, AL 35405

Get Directions

Today's Hours:

Open Today! Sales: 9am-6:30pm

Open Today! Service: 7am-6:30pm

Open Today! Parts: 7am-6:30pm

Tuscaloosa Toyota

3325 Skyland Blvd E Tuscaloosa, AL

Phone: (205) 553-3325

https://www.google.com/maps/place/Tuscaloosa+Toyota/@33.168678,-87.493802,15z/data=!4m5!3m4!1s0x0:0xc64f953343b6a225!8m2!3d33.168678!4d-87.493802

Parts

Phone: (205) 561-2033

3325 Skyland Blvd E Tuscaloosa, AL

Sales

Phone: (205) 553-3325

3325 Skyland Blvd E Tuscaloosa, AL

Service

Phone: (205) 561-2048

3325 Skyland Blvd E Tuscaloosa, AL
33.169697 -87.496615
[schema type="organization" orgtype="LocalBusiness" url="www.tuscaloosatoyota.com" name="Tuscaloosa Toyota" description="" street="3325 Skyland Blvd E" city="Tuscaloosa" state="AL" postalcode="35405" country="US" email="sales@tuscaloosatoyota.com" phone="(205) 553-3325" logo="https://di-uploads-development.dealerinspire.com/tuscaloosatoyota/uploads/2019/06/TuscaloosaToyotaOGImage.png"]
Tuscaloosa Toyota
Tuscaloosa Toyota
3325 Skyland Blvd E
Tuscaloosa, AL, 35405 US
(205) 553-3325
https://di-uploads-development.dealerinspire.com/tuscaloosatoyota/uploads/2019/06/TuscaloosaToyotaOGImage.png
Tuscaloosa Toyota 33.169697, -87.496615.