First Time Car Buyers – Get on the Road TODAY!

Ed Morse Delray Toyota has a program designed especially for you. Qualified applicants can drive off in a new Toyota today, even if you have limited credit history. You may be eligible to lease or finance even without a co-applicant. Not only will we help put you behind the wheel of a new Toyota, finance or lease contracts may help qualified applicants start to build a healthy credit profile.

To benefit from this program you must have the following:
  • Credit Line . A FICO score of 610 or above. No 90 day past due or more accounts, charge-offs, collections, repossessions or foreclosures in your credit history.
  • References. Three personal and verifiable references.
  • Employment. Verifiable proof of a full-time job, which you've held for at least six months.
  • Sufficient Income. Your income must be enough to cover ordinary living expenses and vehicle payments, and be consistent and verifiable. Your monthly payment may not exceed a certain percentage of your gross monthly income. See your dealer for details.
  • Vehicle Insurance. You must show verifiable proof of insurance, as required under the terms of your contract. See your dealer for details.
  • Minimum down payment. Minimum down payment is 10% of MSRP or the agreed upon value of the vehicle, whichever is less (excludes any rebates or dealer incentives).
  • Other restrictions may apply. See your dealer for details.
Towards the lease or purchase of select New Toyota models. Maximum amount financed up to $25,000. Available to qualified customers with approved credit, through Santander bank or dealer preferred lender; Not available through SETF or TFS. Not all applicants will qualify. Restrictions may apply. May not be combined with some incentives or offers. See dealer for finance terms, restrictions, eligibility and full details.