Clearwater Toyota
21799 US Highway 19N Clearwater, FL 33765Sales: 800-677-6099
- Service: 800-665-3892
- Parts: 800-663-1345
Financing
Call Our Credit Hotline to Pre-Qualify: 1-800-920-0074
Welcome to Clearwater Toyota's Finance Department, your auto finance and lease resource. We're ready to provide financing for your new or used vehicle. Check out our online car loan calculator for an instant car loan rate, then proceed to our online finance application.
For New or Used Car Financing Questions Call: 800-677-6099 or submit your contact information below and a representative will contact you shortly.
Tampa Bay Car Loans - Clearwater Toyota
Welcome to the Clearwater Toyota Finance Center for Tampa Bay car loans and lease programs. Use our online finance application to get a quick and accurate response on financing for your next new or used car. Your financing information is sent securely in an encrypted format, and we'll get back to you in as little as a day's time to complete the process.
Clearwater Toyota has everything you need to make your next vehicle purchase your best. From an array of affordable car loan options for our Tampa Bay customers, to new Toyotas, and used cars in Tampa Bay, we've got you covered. To contact us directly, simply fill out the form below!
Financing Navigation
Contact Information
- Clearwater Toyota
-
21799 US Highway 19N
Clearwater, FL 33765 -
- sales Sales:
- 800-677-6099
- phone2 Service:
- 800-665-3892
- phone3 Parts:
- 800-663-1345
Finance FAQ
Call Our Credit Hotline to Pre-Qualify: 1-800-920-0074
Check out our online finance FAQ section for important information regarding car lease and loan characteristics.
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Tip!
Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.
Tip!
Owning a lease vehicle is possible if purchased outright after the lease period ends.
A typical lease period runs between 24 and 48 months.
Tip!
Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.
Tip!
Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.
Tip!
Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.
Tip!
Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.
Tip!
Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.
If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.