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.
