Welcome to Our Financing Department

Welcome to Heritage Toyota Owings Mills' Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online Toyota loan calculator for an instant car loan rate. Then, proceed to our online Toyota finance application. If you're thinking about trading your current vehicle in for a brand new model, use our Toyota trade-in form to find out how much your car is worth. If you ave any questions, contact Heritage Toyota Owings Mills online or stop by to get started today!

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The Toyota Financial Services (TFS) iFi Program has been expanded to include ALL NEW Toyota models. To qualify for the Toyota iFi Program, you must be credit approved by TFS and meet all of the following criteria:

- 610 FICO score or above. Customers without a FICO score do not qualify.

- Zero Major Derogs defined as: Never been 90 DPD (or higher), No Charge-offs, Collections, Repossessions or Foreclosures ever. For example, if a customer has been 30-89 DPD, but never 90 DPD and meet all other qualifications, they could qualify for the program based on the DSSO's discretion on approving them for credit.

- Maximum Payment-to-Income Ratio (PIR) 20%.

- Full-Time Job held for at least six months.

- Three Personal and Verifiable References.

Note: The Primary and Co-buyer must meet all of the program parameters.

TFS reserves the right to terminate the program in whole or in part at any time