What Is Heart City Smart Payment?

Heart City Smart Payment lets you customize your deal online before entering our store. Smart Payment allows you to easily value your trade, calculate your monthly payment, apply for financing, and even schedule a test drive.

Using Smart Payment is as easy as selecting your vehicle, then working with the different options available. Whether you are leasing or financing a vehicle Smart Payment will help you find the perfect deal on a new Toyota or used vehicle.

Heart City Smart Payment Tools

Calculating my Payment

The Heart City Smart Payment tool can help you determine the right payment for your vehicle. You can adjust your term length, down payment, interest rate estimates, and more to arrive at monthly payment that works for you.

Value my Trade

Heart City Smart Payment allows you to value your trade-in online without coming to our Elkhart store. The tool utilizes data from Kelley Blue Book and speeds up the time it takes to trade in your vehicle.

Apply for Financing

Save time and fill out an online digital financing application before coming to Heart City Toyota. Heart City Smart Payment lets you save your progress and submit a loan application without the rush.

Schedule a Test Drive

Ready for a test drive? You can schedule one online and we'll have the car ready for you at Heart City Toyota as part of our Heart City Smart Payment experience.     


Heart City Toyota

711 N. Nappanee St.
Directions Elkhart, IN 46514

  • Sales: (574) 522-6600
  • Service: (574) 295-6316
  • Parts: (574) 295-6316


  • Monday 9:00 AM - 8:00 PM
  • Tuesday 9:00 AM - 8:00 PM
  • Wednesday 9:00 AM - 6:00 PM
  • Thursday 9:00 AM - 8:00 PM
  • Friday 9:00 AM - 6:00 PM
  • Saturday 9:00 AM - 3:00 PM
  • Sunday Closed