New or Bad Credit? We've Got You Covered.

No Credit? Bad Credit? First-Time Buyer? You're in the Right Place.

At Palm Beach Toyota, we understand that everyone starts somewhere. Whether you're new to credit, rebuilding your financial foundation, or just haven't had the chance to establish a credit history, our team is here to help - not judge.

That's why we offer a First-Time Buyer & Credit Assistance Program designed specifically for people just like you. With a 99% approval rate, we've helped thousands of customers get behind the wheel of reliable, affordable vehicles - even when other dealerships said no.

Why Choose Us?

✅ Fast and Easy Pre-Approval
Apply online or visit us in person - either way, we'll walk you through the process and get you pre-approved in minutes.

✅ Low or No Down Payment Options
We work with a wide range of lenders to secure competitive financing - even with limited or poor credit.

✅ Build or Rebuild Your Credit
Making on-time payments on your new auto loan is one of the best ways to build a strong credit profile for the future.

✅ Dedicated Finance Specialists
Our friendly and experienced finance team will work one-on-one with you to find the best path forward.

✅ Wide Selection of Vehicles
From budget-friendly sedans to versatile SUVs and trucks, we have something for every lifestyle and price range.

Who Qualifies?

Our First-Time Buyer & Credit Assistance Program is ideal for:

• First-time car buyers with no credit history
• Individuals with low or recovering credit scores
• Recent graduates entering the workforce
• People with steady income but limited borrowing history
• Anyone who's been turned away by other lenders

What You'll Need to Get Started:

• Valid driver's license
• Proof of income (recent pay stubs, offer letter, or bank statements)
• Proof of residence (utility bill, lease, etc.)
• Down payment (varies depending on credit and vehicle)

Ready to Get Rolling?

Take the first step today and apply for financing online, give us a call, or stop by Palm Beach Toyota. Let our finance team show you just how easy and empowering buying your first (or next) vehicle can be - regardless of your credit.

Confidence starts here. Let us help you drive away with peace of mind.