To purchase a certified car, is it better to come in with your own financing or use the Toyota's?

surferdudehb

Wife is looking for a 15-16 Camry and she has a FICO score mid 700's. She has her own business and get's paychecks from her business.

Is there any advantages using the Toyota financing over a regular bank?

stever

Sometimes it helps to get pre-approved and then invite the dealer to beat your rate. Often they can (dealers make money putting financing packages together).

Sometimes incentives are tied to using the manufacturer's financing arm but that's not as common with CPO or used cars.

Can't think of any advantage of using one over the other, although you can go yell at someone in person if you finance locally if the account gets messed up. .