Car Financing in Lancaster, CA

Car Financing at Toyota of Lancaster

Our on-site finance team helps Antelope Valley drivers finance or lease new Toyotas and pre-owned vehicles. We work with a network of lenders and with buyers in many credit situations, and we’ll walk you through your options before you sign anything.

Apply for Financing Call 661-948-0731

How Financing Works

1. Apply online or call us. It only takes a few minutes.
2. We go over your options with you. We send your application to lenders in our network and walk you through what comes back.
3. Choose what fits. Compare payments and terms, or lease against buy, side by side.
4. Sign and drive. Your finance manager goes over everything with you before you sign.

First-Time Buyers

No credit history yet? Our team works with first-time buyers to explain how auto financing works and which options may fit.

Rebuilding Your Credit

Past credit problems don’t automatically rule you out. We work with buyers who are rebuilding their credit and will help you understand the options available to you. Approval and terms depend on the lender.

Financing With an ITIN

We work with buyers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, on both new and used vehicles. Lender requirements vary, so call us and we’ll tell you what to bring.

Hablamos Español

Nuestro equipo de financiamiento habla español y puede ayudarle durante todo el proceso, incluyendo financiamiento con ITIN. Llámenos al 661-948-0731.

¿Prefiere leer en español? Visite nuestra página en español.

Lease or Buy

Our team can show you leasing and buying side by side so you can choose what fits your budget and how you drive.

Rebates and Trade-Ins

Eligible buyers may qualify for the Toyota LA Region Military Rebate or College Rebate. These are Toyota programs; terms and eligibility are set by Toyota. You can also value your trade online.

What to Bring When You Finance

• A valid driver’s license or other government photo ID
• Your Social Security number or ITIN
• Proof of income, such as recent pay stubs or bank statements
• Proof of address, such as a recent utility bill
• Proof of auto insurance
• Your trade-in’s title or loan payoff information, if you’re trading in a vehicle

Your finance manager will let you know if anything else is needed for your situation.

Get Started

• Apply for financing
• See if you pre-qualify with Capital One
• Estimate payments with our calculator
• Call our finance team at 661-948-0731

Financing a used vehicle? Toyota Certified vehicles may qualify for special financing rates. See why buy used or Toyota Certified.

Frequently Asked Questions

Can I finance a car with bad credit at Toyota of Lancaster?

We work with buyers in many credit situations, including buyers who are rebuilding their credit. Approval and terms depend on the lender.

Do you help first-time car buyers?

Yes. Our finance team works with first-time buyers and will explain how auto financing works and which options may fit.

Can I buy a car with an ITIN instead of a Social Security number?

Yes. We work with buyers who have an Individual Taxpayer Identification Number (ITIN) on both new and used vehicles. Lender requirements vary, so call us and we’ll tell you what to bring.

¿Hablan español en el departamento de financiamiento?

Sí. Tenemos personal de financiamiento que habla español y puede ayudarle durante todo el proceso, incluyendo financiamiento con ITIN.

Should I lease or buy?

It depends on how many miles you drive and how long you like to keep a vehicle. Our finance team can show you both options side by side.

How long does approval take?

Most of the time, buyers get an answer the same day. Some applications take longer, depending on the lender and your situation. Approval and terms depend on the lender.

Can I add a co-signer?

Many lenders accept a co-signer, which can help if you’re new to credit or rebuilding it. Lender rules vary. Approval and terms depend on the lender.

Can I finance if I’m self-employed?

Yes. Bring recent bank statements or tax returns to show your income. Approval and terms depend on the lender.

Can I finance my lease buyout?

Yes. We arrange financing to buy out your Toyota lease. Visit our Lease Center. Approval and terms depend on the lender.

Do you refinance car loans?

No. We arrange financing for vehicles you buy from us, including lease buyouts.