Get Financing with Bad, Poor, or No Credit!

We Help All Customers Get the Financing They Need

When shopping for a car, your credit score is important as it helps dealerships like ours know how reliable of a borrower you are. While some dealerships may turn customers away due to low credit scores or lack thereof, ours won't. We believe that everyone should have access to reliable transportation, and thanks to our experienced team of professionals, we can help secure a vehicle for you.

We've helped many drivers from as close as Paramus to as far as Nyack, NY, so whether your credit score has been impacted by bankruptcy, repossession, or something else entirely, we can help.

Get Approvals with Little or No Money Down at our Finance Center

We know that buying or leasing a new Toyota in Northern New Jersey can be tough when you are expected to come up with a lot of money for a down payment. Our dealership understands that many car shoppers are on a budget, and taking that kind of money out of savings isn't always an option. At Prestige Toyota of Ramsey, located at 1096 NJ-17 in Ramsey, NJ, we take great pride in our ability to help customers get approved for auto financing, regardless of their situation. When you make the trip from nearby Nyack NY, we will do our best to find you a car loan or Toyota lease approval with little or no money down.


No Social Security Number? No Problem! Use a Tax ID Number (TID) to Get Approved

Our Finance Center Has the Resources to Help You

If you are looking to get approved for an auto loan or Toyota lease near Paramus with little or no money down, you should come work with the finance professionals at Prestige Toyota of Ramsey. Our finance team is always looking for a way to secure credit approvals for our customers that don't involve pushing them past their financial comfort zone.

One of the ways that we can achieve this goal is through our partnership with a vast network of lending partners. The finance center at our dealership works with these banks and credit unions to secure approvals that don't require a lot of money down. In fact, we are often able to get auto loan or Toyota lease approvals that don't require any money down for our customers.

Prestige Toyota of Ramsey Makes Auto Financing Easier for You

Whether you are coming to shop with us in person from nearby Wayne, or you are perusing what we have to offer online from your home in Hackensack, NJ, we have a goal of making your search for a car loan or Toyota lease as easy as possible.

Our finance center has many Toyota financing offers and lease deals that don't require a lot of money down. In some cases, they don't require any down payment. You can apply for credit from your home in Bergen County, NJ to see what kind of options are available to you.

Contact the finance experts at Prestige Toyota of Ramsey today, so we can answer any questions you might have about your auto financing today.

Speak with Our Financial Experts

If you have a bad credit rating and need help securing a car, visit our Toyota dealership in Ramsey, NJ and speak to one of our financial representatives today. Our financial teams work closely with our customers to review what steps are required to secure a loan and discuss what all the credit terms mean. Our dealership works with various lenders to help give Fair Lawn and Haverstraw shoppers every possible loan avenue - that way, they can be approved regardless of their credit score.

When you shop at our dealership, your credit score, while important, isn't everything, so visit us today and let us help you secure your next ride.

Important Lending Factors

Over the years, our dealership has helped Paterson, Hackensack, and Nanuet residents secure bad credit loans. But several factors must be considered before a person can be approved for one.

To determine if a person is eligible for a bad credit loan, our dealership will first need to check your credit rating. By checking your credit score, we can see where your credit number falls and know where to start when negotiating with our lenders.

The factors our dealership and lending institutions look at include:

  • Your credit score
  • Your financial history
  • Your income
  • The vehicle you'd like to purchase
  • The loan amount needed

The Benefits of a Buying or Leasing

Though you may have bad credit, it's still up to you whether you'd like to get a loan or lease. If you're unsure which is best for you, let's discuss the benefits of each.


Buying, or financing, are the ideal option for drivers interested in owning the car they drive. While loans have higher monthly payments than leases, you can customize the model how you like. Plus, when you make on-time payments, you'll build your credit score, thus helping you in other financial situations in the future.


With a lease, you won't own the model you drive. Instead, you're merely renting it. Because you're renting the vehicle, you won't be able to customize the model and will be restricted to the miles you can drive. However, you will have lower monthly payments, and when the lease expires, you'll have the option to buy the vehicle, extend the lease, or upgrade to a newer model.

Helping Customers with Low Credit

Here at Prestige Toyota of Ramsey, we want to help anyone and everyone who steps through our doors. And by helping customers secure a bad credit loan, we're offering a solid financial foundation that customers can rely on for years to come.

We want to make it easy for all customers to purchase a vehicle from us, regardless of their credit, so if you find a car that fits your budget, our finance experts can help you obtain it. If you want to get your hands on a new or used vehicle, stop by Prestige Toyota of Ramsey.

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  1. Prestige Toyota of Ramsey

    1096 NJ-17
    Ramsey, NJ 07446

    • Sales: 5512524147
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Get in Touch

  • Contact our Sales Department at: 5512524147
  • Monday9:00AM-8:00PM
  • Tuesday9:00AM-8:00PM
  • Wednesday9:00AM-8:00PM
  • Thursday9:00AM-8:00PM
  • Friday9:00AM-6:00PM
  • Saturday9:00AM-7:00PM
  • SundayClosed