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Empire Toyota Scion

6281 State Highway 23
Oneonta, NY 13820
Phone: (607) 433-0045
Fax: 0

iFinance Program

For those with limited credit history, financing or leasing a vehicle can be a challenge. But through a participating dealership, Toyota Financial Services has a program designed especially for you. The iFinance program allows qualified applicants to drive off in a new Toyota Corolla, Matrix, Tacoma or Yaris without a co-applicant.

Both lease and finance contracts are available. With a TFS finance or lease contract, you can start building your credit history. Just meet the following criteria:*

Credit Line. At least one satisfactory credit line (minimum $500 trade line) open for at least one year, and no adverse credit.
References. Three personal and verifiable references.
Employment. A full-time job, which you've held for at least six months with income & employment verification.
Sufficient Income. Your income must be enough to cover ordinary living expenses and vehicle payments, and be consistent and verifiable. Your monthly payment may not exceed a certain percentage of your gross monthly income. See your dealer for details.
Vehicle Insurance. You must show verifiable proof of insurance, as required under the terms of your contract. See your dealer for details.
Minimum down payment. Minimum down payment is 10% of MSRP or the agreed upon value of the vehicle, whichever is less (excludes any rebates or dealer incentives).
Other restrictions apply. See your dealer for details.

Example of a typical Toyota Financial Services iFinance Program Lease transaction: 2007 Yaris (model #1442) for $210 per month for 36 months. $2,320.00 due at Lease Signing (includes first monthly payment, required security deposit, $550 acquisition fee and $1,335.00 capitalized cost reduction). Excludes tax, title, license, registration and dealer fees, where allowed. Based on gross capitalized cost of $13,352.00. Excess mileage charge of $0.15 per mile. This is an example only; your monthly payment may vary depending on final price of vehicle and your credit qualifications.

To obtain a program brochure, please contact Steve Martin, Business Manager at Empire Toyota at (866) 283-0775.

* Other restrictions apply. Available through participating Toyota dealers and Toyota Financial Services to qualified customers. Program is subject to credit approval. Not all applicants will qualify. Program may not be available in all areas. Program is subject to change or termination at any time. Please see your Toyota dealer regarding iFinance terms, restrictions, state eligibility and program compatibility. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation.