Toyota Financial

Heart City 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

Finance or Lease Your New Toyota with Heart City

If you have found your ideal Toyota vehicle, the next step is to finance that vehicle. The process can seem both difficult and frustrating if you try to tackle it on your own. The idea of weighing the pros and cons for financing and leasing can be overwhelming, to say the least. At Heart City Toyota, our Toyota Financial Services are here to make the process quick and easy to understand. We are dedicated to serving all our long-time customers and new visitors as your Toyota dealers Indiana.

Finding the payment plan, whether it's leasing, a loan, or a Toyota Financial plan, can be overwhelming to take on by yourself. This is why, at our Toyota Finance Center, our finance specialists will keep it simple. We can start by determining the eligibility you have for low APR and cash allowance offer. From there, we can decide if our Toyota lease offers are a reasonable option for you. We want to help you make the best decision possible for your financial situation by giving you advice from our team's years of experience. We want you to feel confident when you make a well-informed decision about the Toyota Financial plan you are going to use.

Online Financial Resources

At Heart City Toyota, we offer online resources to help you navigate the financial world without these obstacles.

We have an Online Credit Application for you to find out where you stand on financing. From there, you can see if your credit score needs boosting to reach your ideal payment plan. The Toyota Credit form is quick and easy to fill out, and once you have hit submit, a Toyota Credit representative will look it over.

The Toyota Heart City Smart Payment tool can help you determine which is the right payment for your vehicle. You can get help adjusting your term length, down payment, interest rate estimates and more to come to a monthly payment that serves you.

Our Kelley Blue Book Trade-In Value Tool will give you a quote for the total you could get for your trade-in.  The form is simple and asks questions about the make, model, mileage, and overall condition of your vehicle. This makes the process quick and simple.

Flexible Credit Options

When you have our dealership staff standing beside you to find the best opportunities, you will see all types of credit can qualify for an auto loan! We will work hard until you can secure a no credit car loan if your situation demands it. As Toyota dealers in Indiana, Heart City Toyota, we have strong relationships with local banks and lenders, which means you always win! We are dedicated to finding you the perfect car loan company to suit your car finance needs. We can also look at the possibility of low-interest car loans being available if you are a customer with existing loans. We can help you by refinancing your car loan or simply adjust the term of your contract. You are only a step away from approved car financing!

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.
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Welcome to Our Financing Department

If you have found your ideal Toyota vehicle, the next step is to finance that vehicle. The process can seem both difficult and frustrating if you try to tackle it on your own. The idea of weighing the pros and cons for financing and leasing can be overwhelming, to say the least. At Heart City Toyota, our Toyota Financial Services are here to make the process quick and easy to understand. Our staff is eager to walk you through each step of the process to get you the car of your dreams! We are dedicated to serving all our long-time customers and new visitors as your Toyota dealers Indiana.

When you are purchasing a car, it involves much more than picking the model and color that you prefer. Finding the payment plan, whether it's leasing, a loan, or a Toyota Financial plan, can be overwhelming to take on by yourself. This is why, at our Toyota Finance Center, our finance specialists will keep it simple. We can start by determining the eligibility you have for low APR and cash allowance offer. From there, we can decide if our Toyota lease offers are a reasonable option for you. We want to help you make the best decision possible for your financial situation by giving you advice from our team's years of experience. We want you to feel confident when you make a well-informed decision about the Toyota Financial plan you are going to use.

Toyota Motor Finance

When you have our dealership staff standing beside you to find the best opportunities, you will see all types of credit can qualify for an auto loan! We will work hard until you can secure a no credit car loan if your situation demands it. As Toyota dealers in Indiana, Heart City Toyota, we have strong relationships with local banks and lenders, which means you always win! We are dedicated to finding you the perfect car loan company to suit your car finance needs. We can also look at the possibility of low-interest car loans being available if you are a customer with existing loans. We can help you by refinancing your car loan or simply adjust the term of your contract. You are only a step away from approved car financing!

Online Financial Resources

At the Toyota dealers Indiana, we understand that not everyone has the time to talk in detail about their budgets. Some people don't feel comfortable talking to professionals about their financial situation. That's why at Heart City Toyota, we offer online resources to help you navigate the financial world without these obstacles.

We have an Online Credit Application for you to find out where you stand on financing. From there, you can see if your credit score needs boosting to reach your ideal payment plan. The Toyota Credit form is quick and easy to fill out, and once you have hit submit, a Toyota Credit representative will look it over.

The Toyota Heart City Smart Payment tool can help you determine which is the right payment for your vehicle. You can get help adjusting your term length, down payment, interest rate estimates and more to come to a monthly payment that serves you.

The Trade-In Value Tool that we have available will give you a quote for the total you could get for your trade-in. As your Toyota dealers Indiana, we use the safe tool that utilizes your data from Kelley Blue Book. The form is simple and asks questions about the make, model, mileage, and overall condition of your vehicle. This makes the process quick and simple.

We look forward to helping you find the right deal for your dream car today. Reach out to our staff if you have questions about the services we offer, we would be happy to answer them for you.

Your privacy is important to us.

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

  1. Heart City Toyota

    711 N. Nappanee St.
    Elkhart, IN 46514

    • Sales: (574) 522-6600
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Get in Touch

  • Contact our Sales Department at: (574) 522-6600
  • Monday9:00 AM - 8:00 PM
  • Tuesday9:00 AM - 8:00 PM
  • Wednesday9:00 AM - 6:00 PM
  • Thursday9:00 AM - 8:00 PM
  • Friday9:00 AM - 6:00 PM
  • Saturday9:00 AM - 3:00 PM
  • SundayClosed