It’s important to understand that you have financing options available to you, even if you have less-than-perfect credit. At Toyota of Gastonia, we’ve been able to help a lot of local drivers around Gastonia, Lincolnton, and Charlotte, NC, secure their favorite vehicle.

A range of financing options are available to you, but there are two prominent choices for those with lower credit: leasing vs. buying a car. In either scenario, you can drive off in your favorite model. We’ll discuss each option more thoroughly in this overview!

What To Know When Buying a Car

If you’re dead set on owning a vehicle, but think your credit is going to stop you from being able to do so, we suggest you speak with one of our financing experts. These experts have been working in our financing center for many years. They understand the ins and outs of creating a payment plan or securing a loan, and they’ll happily help you do both.

If you need to secure a loan to help buy the car you want, they can draw an outline to help you boost your credit score over time. The higher your credit score, the more favorable a loan you can receive.

The payment structure you’ll develop for your new car can be altered to your budget and needs. You can consider a low monthly payment over the course of many years, a high monthly payment over the course of a few years, or our advisors can create a more flexible structure that fits your needs.

Leasing vs Buying a Car


What To Know When Leasing a Car

Leasing is a bit different than buying. You own the car outright once you’ve completed your payments when buying, whereas the lease agreement only runs for a few years and, once over, you return the car to us.

What makes leasing so appealing? Folks who enjoy automotive innovations—such as new styling designs, upgraded performance, or enhanced safety features—can always enjoy the latest advancements of their favorite brands more easily.

You also have the flexibility to, for example, lease an SUV right now before returning the SUV at the end of the lease and downsizing to a sedan. With leasing, you can always change your vehicle to reflect what you need in life.

Monthly payments for a lease agreement are typically lower than what you would expect when buying, too. So, if you have bad credit, our advisors can help create a lease agreement that fits your budget and allows you to drive off in your preferred model!

Leasing vs Buying a Car


Have Less-Than-Perfect Credit? We Can Help

Our Toyota of Gastonia dealership thinks each resident of Gastonia, Lincolnton, and Charlotte, North Carolina, deserves to drive their favorite car. We are happy to work with drivers with all kinds of credit. There’s no reason to think you’re out of options.

If you speak with one of our financing experts or utilize tools like our pre-approval form, we’re here to help in your next steps!

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(855) 889-9794

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4821 Wilkinson Blvd • Gastonia, NC 28056

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Today's Hours:

Open Today! Sales: 9am-7pm

Open Today! Service: 7:30am-7pm

Open Today! Parts: 7:30am-7pm

Toyota of Gastonia 35.2557082, -81.0926982.