Financing 101 at Sun Toyota
Explore Financing Options Near Holiday, FL
Financing your new or pre-owned Toyota is easy when you shop at Sun Toyota. After you choose your favorite vehicle from our dealership lot near Elfers, our finance experts will build a loan or lease to make your ownership experience affordable and stress-free.
Our financing options include leases and loans from Toyota Financial, along with great deals on auto loans from local and national lenders. We follow the market closely to give you the best financing rates and terms. We also make it easy to finance your next automobile with our convenient online tools.
Lease Specials on New Toyota Cars, Trucks, SUVs, and EVs
Toyota Financial offers outstanding lease specials in and around Beacon Hill. Use our convenient online pre-qualification application to determine the right monthly payment for your budget. Leases are great programs for drivers who enjoy having a new car every two or three years, especially if they drive less than 15,000 annual miles. We share our lease specials and new car incentives on our website so you can shop for a vehicle with the best program.
Leases usually have lower monthly payments than loans because leases are like long-term rentals. The monthly payment is determined by the sticker price minus the residual value - the value at the end of the lease. Since Toyota vehicles hold their value well, residual values stay high. Because the residual value is based on the car’s mileage and age, it’s important for drivers to stay within the mileage limits and to take good care of their leased vehicles. Drivers who exceed the mileage limits or have excessive wear and tear will have fees assessed at the end of the lease.
When the lease term ends, drivers can return their Toyota vehicles to Sun Toyota and then lease another one. Some drivers prefer to purchase their leased vehicle, and our team can build a loan for the remaining value.
Why Choose an Auto Loan
Auto loans are attractive options for drivers who want to finance a new or used vehicle. Monthly payments tend to be higher than lease payments because loans usually cover the entire sticker price. You can reduce your monthly payment with a larger down payment or by choosing a longer term - possibly between 72 to 96 months. Auto loans do not have the same mileage and wear-and-tear restrictions as leases.
Our finance experts can build a loan from a variety of lenders. We have access to loan programs from Toyota Financial, banks, and credit unions. Ask about specials and interest-rate deductions for automatic payments and high credit scores. We also have auto loan programs for drivers with bad credit. If you’re looking for a great deal, check out our specials on pre-owned vehicles for sale in Beacon Hill.
Finance Your New or Pre-owned Toyota at Sun Toyota in Beacon Hill, FL
We look forward to helping you shop for and finance your next new or used vehicle. If you have questions, we can answer them in person, over the phone, or through our online chat service.