Toyota Financing in Troy, MI

Welcome to the finance department at Suburban Toyota of Troy, your go-to place for automotive loans and leases near Troy, Warren, and Southfield, MI. Whether you're looking to finance a new or pre-owned car, or if you're interested in selling your current vehicle, we're here to provide assistance.

Ready to learn more about the services we offer at our finance center? Keep reading or contact us directly!

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

What to Expect When You Visit Our Finance Center

We believe that everyone should have access to their dream vehicle. For that reason, we're proud to offer flexible finance options. Our team of specialists has years of experience working with individuals from all financial and credit backgrounds and can help you determine the payment option that best aligns with your needs.

During your finance appointment, the specialist you're paired with will talk with you about various components, including:

ā—Ā Ā Ā Ā Ā Ā Ā  Whether you want to buy or lease

ā—Ā Ā Ā Ā Ā Ā Ā  How much you're putting toward the down payment

ā—Ā Ā Ā Ā Ā Ā Ā  If you're trading in a vehicle

ā—Ā Ā Ā Ā Ā Ā Ā  How long you want to finance

Once these various components are explored, and when your questions have been answered, our specialist will browse loan options and find the one that offers the most competitive and favorable rates.

If I Have Subprime Credit, Can I Still Finance a Car?

Yes! We work with drivers of all credit histories, even if this is your first time buying and you have no credit history. Regardless of your situation, our specialists are here to help.

We also offer low-interest car loans, which is especially helpful if you have an existing loan. This could occur if there's a negative equity on the car you currently own. Negative equity means that, even after selling or trading in the vehicle, you still need to make payments.

Our team can help you refinance the existing car loan into the new one or adjust the terms of the contract.

Thanks to our help, you're just a step away from approved car financing!

Learn About Your Needs with the Help of Our Finance Resources

There's a lot that goes into financing a new or pre-owned car. Our finance center makes learning about your needs easy since we offer a range of finance resources.

You can learn about the benefits offered with buying vs. leasing, or you can see if you qualify for our vehicle specials. These are always listed online, so you can check our rotating list anytime.

When you want to learn the specifics of financing and how your requirements factor into a loan or lease, you can explore our various online tools. One of the tools we recommend all drivers explore is our value your trade tool.

In a few short minutes, you can receive a Kelley Blue BookĀ® Value for your current set of wheels. To receive a trade-in value, all you need is basic information, such as the year, make, model, and trim level. From there, you'll respond to questions, like:

ā—Ā Ā Ā Ā Ā Ā Ā  What features are included with your vehicle?

ā—Ā Ā Ā Ā Ā Ā Ā  How many miles are clocked on the odometer

ā—Ā Ā Ā Ā Ā Ā Ā  What color is your vehicle?

In less time than imagined, you'll receive a personalized trade-in value for your car. This information can then be used to help you better understand your needs, or you can bring the trade-in value with you to your finance appointment.

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.

Am I Approved for Toyota Financing?

You never know until you try! Determining your eligibility for Toyota financing is fast and easy when you finance with us. Qualifying drivers can be pre-approved for financing before even stepping foot into our finance center. Simply fill out our secure finance application and, in seconds, you can be pre-approved.

When you fill out our finance application, you not only learn more about the types of loans you qualify for, but it also helps to streamline the finance process.

That's because, when submitted, this application is sent to our team of financiers. They can then review your application and start the search for the perfect payment plan and bookmark several options prior to your appointment.

Then, during your finance appointment, you and our specialist can review your options and eliminate the need to discuss in detail your requirements. As a result, you'll find that you spend less time than you planned.


Which Toyota Will You Finance?

There's a lot to love about your travels when you drive a Toyota. With a wide selection of models for sale across several body styles, you have your pick of popular vehicles, like:

  • Toyota Tacoma
  • Toyota Camry
  • Toyota RAV4
  • Toyota Highlander

Once you find the model you love most, our finance specialists can help you determine whether a higher trim level aligns with your unique requirements.


Visit Our Finance Center Today!

Are you ready to take the wheel of the Toyota that'll enhance travels near Troy, Warren, and Southfield, Michigan? Do you want to explore how the team at Suburban Toyota of Troy can help you build a custom lease or loan, regardless of your financial history? Then it's time to head to our dealership.

Contact us to schedule a service appointment today. We can't wait to go on this exciting adventure with you!


  1. Suburban Toyota of Troy

    2100 W Maple Rd
    Troy, MI 48084

    • Sales: 947-447-2992
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Get in Touch

  • Contact our Sales Department at: 947-447-2992
  • Monday9:00 AM - 8:00 PM
  • Tuesday9:00 AM - 6:00 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