Lower Interest Rate

With interest rates on the rise, car payments can feel like a heavy burden. For many drivers, high-interest rates combined with credit challenges are making it harder to enjoy the freedom of a new car. Fortunately, Southeast Toyota Finance offers two targeted programs to help you lower your interest rate and potentially reduce your monthly payment, allowing you to drive a new Toyota with confidence and comfort.

Loyalty Rate Reduction Program

For current Southeast Toyota Financial customers who have made the last 12 payments “As Agreed.” Southeast Toyota Finance’s Loyalty Program provides an opportunity to purchase at an interest rate your credit score would not normally qualify you for. Designed for customers with a FICO score of 580 or higher, this program offers:

• Improved Rates: Qualifying customers may receive rates similar to those with higher credit tiers, potentially lowering their monthly payment.
• Flexible Terms: Financing options are available up to 72 months, giving you the freedom to find a payment plan that suits your budget.
• Covering Up Negative Equity: The reduction in interest rate could help offset any negative equity in your current vehicle.

If you've been consistent with your payments, this program could be a powerful tool to help manage and reduce your monthly expenses, getting you behind the wheel in a brand new Toyota.

Conquest APR Program

Not a current Southeast Toyota Finance customer? The Conquest Program makes it easy to switch with a competitive APR offer on specific models. Key details include:

• Low Rates on Select Models: This program features competitive APRs for select Toyota models, including popular options like the 2025 Camry and 2025 RAV4.
• Flexible Loan-to-Value (LTV) Ratios: With LTV options up to 120% of the vehicle’s invoice, this program is designed to be flexible and accommodating.
• Covering Up Negative Equity: The reduction in interest rate could help offset any negative equity in your current vehicle.

Whether you’re looking to switch to a Toyota from another brand or simply want to explore a new vehicle at a lower rate, this program could make your dream car more affordable.

Get Started Today

Don’t let high-interest rates hold you back. Take advantage of these programs from Southeast Toyota Finance and start saving on your monthly payments. Fill out the form below to learn more and see if you qualify for one of these exclusive rate reduction programs.

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