Ring In the New Year With A New Car

By: Hilltop Toyota   |   11 Jan 2017
Car key on a gift box

It’s 2017, why are you driving an old, boring vehicle?

With the new year upon us, many drivers are eager to say goodbye to their older vehicles. Whether you’re looking for an upgrade, or are simply bored of the one you’ve got, Toyota has released a spectacular lineup for 2017, with plenty of 2018 models making their debut across the country. The cost of ownership on a brand new vehicle is by no means cheap and most often, new vehicle owners need a hand with offsetting the expenses. At Hilltop Toyota, we have a series of low-interest vehicle financing plans that can guarantee a smooth ride all year long. With no steep sales taxes or hidden fee, our financing programs are designed to help you pay off your purchase quickly and comfortably. When you finance a new vehicle from Hilltop Toyota, you can enjoy flexible terms for up to 72 months, competitive rates, easy-to-read contracts with no hidden terms, convenient automatic payments through our direct payment plan, and the peace of mind knowing you’ve chosen a consumer-friendly approach to vehicle financing. Ring in the new year with a new vehicle and enjoy the perks of Hilltop Toyota’s vehicle financing programs.

The Ins and Outs of Vehicle Financing

Simply put, vehicle financing is the act of securing a loan directly from the bank or a certified lender for the sole purpose of purchasing a vehicle. Unlike vehicle leasing, once you enter an agreement with the dealership or lender, you agree to buy that vehicle and use the loan acquired from the lender to pay for the vehicle. Dealership financing is one of the more convenient approaches to financing, as opposed to direct lending. With dealership financing, you can enjoy the perks of a wide selection of vehicles all under one roof, and the possibility of extended hours, like evenings and weekends. Dealership financing also has a competitive edge over direct lending because in most cases, it can offer specialized or customized options which all depend on your personal financial situation. Hilltop Toyota is able to offer flexible financing terms for up to 72 months, which is well over the standard 3-year period most lenders propose.

How Will Financing Help With New Car Costs?

Buying a new car is exciting. Unlike buying a pre-owned vehicle, a new car has never been driven (except to our dealership, of course). While many shoppers see a price tag, what they don’t always account for is the fees associated with buying new. From insurance rates to gas prices; annual or monthly maintenance fees and extra money put aside for minor repairs, your new car could be more expensive than you initially planned. Vehicle financing from Hilltop Toyota will help take the weight out of some of those costs. Rather than write a check with a big lump some up front, you can save your money and make monthly payments instead. It’s always important to have a realistic idea of what you can afford and create a monthly spending plan to keep track of how much you can put towards the new vehicle every month. Remember that sales taxes are also something to be considered.

At Hilltop Toyota, we offer full-disclosure contracts and fast credit approval. We even offer Extra Care Protection on all of our new Toyota vehicles, so you can rest assured knowing that you are protected from all angles out on the road. With Extra Care Protection, your new Toyota has inflation-protected coverage from unexpected mechanical failure, road emergencies and much more.

We recognize that many of our customers work full days, which is why our Finance Department remains open until 5:30 p.m. Monday through Friday, and are also open on Saturdays from 8:00 a.m. until 5:00 p.m.

Are you looking to purchase a new Toyota vehicle this year, and would like to know more about our financing programs? Call us today at (844) 988-4231 or connect with our credit specialists online for further information.