Financing with Our Dealership

Sebring Toyota takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Should You Lease Your New Sebring Toyota Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Sebring Toyota can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

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.

Ready to begin?

New Toyota Financing & Used Car Loans in Sebring, FL, Serving Lake Placid

When you get new Toyota financing or a used car loan from Sebring Toyota in Florida - serving Lake Placid, Avon Park, Arcadia and Lake Wales - you'll experience a fast and stress-free experience! We're here to make the financing process seamless, transparent, and tailored to your needs, whether you're eyeing a brand-new Toyota or a reliable used vehicle.

Considering a new Toyota?

You've got options! If you love the idea of driving a new vehicle and want to keep your payments low, a new Toyota lease might be perfect for you. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease is over. Alternatively, if you prefer to own your vehicle outright and build equity, a new Toyota auto loan offers the flexibility and long-term benefits you're looking for.

Looking for a fantastic used car?

We've got you covered there too! Our dedicated finance team specializes in securing affordable used car loans, no matter your credit history. Sebring Toyota can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle. We've cultivated strong relationships with a vast network of local lenders, allowing us to find the most competitive rates and flexible terms to fit your budget. We'll work tirelessly to ensure you drive away with a payment plan that makes sense for you.

More than just leases and loans

Beyond just the vehicle itself, we also offer a range of additional auto financial products designed to protect your investment and provide peace of mind. Ask us about extended warranties that safeguard against unexpected repair costs, and prepaid maintenance plans that keep your Toyota running smoothly with routine service for less. These options are designed to enhance your ownership experience and help you budget for the road ahead.

Ready to take the next step?

Applying for auto financing is simple and convenient right here on our website! Our secure online application makes it easy to get pre-approved from the comfort of your home. Of course, we understand you might have questions, and our friendly finance team is always here to help. Don't hesitate to contact us by phone or stop by the dealership. We're excited to help you drive home in the Toyota of your dreams!

Your privacy is important to us.

Sebring Toyota takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Sebring Toyota

    404 U.S. Highway 27 N
    Sebring, FL 33870

    • Sales: 863-223-3512
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Get in Touch

  • Contact our Sales Department at: 863-223-3512
  • Monday8:30AM-8:00PM
  • Tuesday8:30AM-8:00PM
  • Wednesday8:30AM-8:00PM
  • Thursday8:30AM-8:00PM
  • Friday8:30AM-8:00PM
  • Saturday8:30AM-7:00PM
  • Sunday12:00PM-5:00PM