Perception Of Credit & How To Get Financed in Alburquerque, NM

 While most people may think that dealing with credit may be a hassle, it is something that our dealership can help out with. We understand that tough situations such such as refinancing loans and bankruptcy are tough, our trained credit specialist can work with you to find a great financing option for your auto needs. With the relationship we have through various of lenders and banks, we can assure you with the best possible rates.


4 decision factors that creditors make:

  • Application Material
  • Credit History
  • Down Payment
  • Vehicle Selection


Application Material: Information you provide such as employment, residence and income information.

Credit History: Information of all other credit in your credit file.

Down Payment: The amount of money you are putting toward the vehicle or the total value of our trade.

Vehicle Selection: The year, cost, and the mileage on a vehicle.



Knowing your budget is the most important thing when thinking about buying a car and getting approved for finance.  Having a good down payment will increase the chance of better rates and monthly payments. We will make it our mission to provide guidance in financing your next vehicle at American Toyota!

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