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2895 Naglee Rd, Tracy, CA, 95304

Credit Challenges? | Finance | Toyota Dealership

Tracy Toyota takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.


We Make it Easy!


Competitive Rates

No Hassle Credit Checks

Flexible Payments


couple meets with finance officer

Should You Lease Your New Tracy Toyota Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.


Flexible Credit Options

Tracy Toyota can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.

We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.

We’ve worked with countless customers with all kinds of credit to help them discover their financing options.

In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to Begin?


Welcome to Our Financing Department

Welcome to Tracy Toyota’s Finance Department, your auto loan and car lease resource. We’re eager to provide financing for your new Toyota car, or we can assist in used car financing.

All types of credit can qualify for an auto loan. We will work with you to secure a no credit car loan if your situation demands it. Tracy Toyota has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You’re just a step away from approved car financing!

When you have found the car that fits your needs, and are ready to start the financing process, you can fill out our online finance application. If you are wondering how much your monthly payments would be, we also offer a free online payment estimator tool. At our Toyota dealer near Stockton we look forward to being your Toyota financial resource, if you have any questions do not hesitate to contact our team today!

Your privacy is important to us.

Tracy Toyota takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

Credit Challenges | Toyota Dealer Tracy, CA

Find a car loan that works for YOU at Tracy Toyota. Credit challenges? Visit our finance department to learn more about how to finance your new Toyota vehicle!

At Tracy Toyota, we’re devoted to helping out the community and you! In addition to donating $100,000 to help local organizations in Tracy, we’re here to help you get approved for the car loan that’s right for YOU! Tracy Toyota will personally help you get EXACTLY what you’ve been waiting for. We have the means to help car buyers get the loan they need for the car they want. Get started now by clicking on the Apply Now button below and filling out the loan application, or contact our Tracy Toyota dealership servicing the areas of Stockton, Modesto and Tracy today.


Tracy Toyota is located at: 2895 Naglee Rd • Tracy, CA 95304


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Tracy Toyota 37.7579962, -121.463561.