Current Finance Rates

On Approved Credit. Limited Terms Apply. Rates based on Credit Bureau FICO Score. Updated 10/28/14.

TOYOTA OF NAPERVILLE'S NEW & CERTIFIED PRE-OWNED RATES

*** Terms over 60 months will be higher ***

  • Auto FICO 720+ (Tier 1+) = 3.99% APR
  • Auto FICO 690-719 (Tier 1) = 4.49% APR
  • Auto FICO 670-689 (Tier 2) = 6.50% APR
  • Auto FICO 650-669 (Tier 3) = 9.95% APR
  • Auto FICO 630-649 (Tier 4) = 14.19% APR
  • Auto FICO 610-629 (Tier 5) = 15.95% APR
  • Auto FICO 580-609 (Tier 6) = 18.95% APR
  • Auto FICO 579 & below (Tier 7) = 22.90% APR

TOYOTA OF NAPERVILLE'S NEW LEASE MONEY FACTORS

*** 24 to 60 months ***

  • Auto FICO 720+ (Tier 1+) = .00280
  • Auto FICO 690-719 (Tier 1) = .00290
  • Auto FICO 670-689 (Tier 2) = .00335
  • Auto FICO 650-669 (Tier 3) = .00425
  • Auto FICO 630-649 (Tier 4) = .00490
  • Auto FICO 610-629 (Tier 5) = .00570
  • Auto FICO 580-609 (Tier 6) = .00630
  • Auto FICO 579 & below (Tier 7) = .00750

Does not apply to co-signer loan and first-time buyer

You have the option to obtain your own financing. The annual percentage rate (APR) for the installment sale of a vehicle may be negotiable with the seller.

The seller may assign the installment contract and retain its right to receive a portion of the finance charge.