New Vehicle Finance Rates
(Please contact dealer for used vehicle rates and terms.)

 

 




Maximum Term
Zone I+

Fico 720+
Zone I
Fico
719-690
Zone II
Fico
689-670
Zone III
Fico
669-650
Zone IV
Fico
649-630
Zone V
Fico
629-610
Zone VI
Fico
609-580
Zone VII
Fico
579-520
60 months5.65%     5.75%  7.15%   9.95%   12.75%  16.00%  19.35%  22.75%  
63 months5.65%  5.75%  7.15%   9.95%   13.00%  16.25%  19.60%  23.00% 
66 months6.30%  6.45%  7.85%   10.95%   13.50%  16.80%  20.35%  23.75%
72 months6.60%  6.75%  8.40%  11.45%    14.00%  17.70%  21.35%  24.75% 
75 months7.10%  7.25%  8.90%  11.95%    14.50%  17.95%  21.85%  25.00% 
84 months7.85%  8.00%      N/A       N/A         N/A       N/A     N/A    N/A
Advance Limits120%+.25  120%+.25  120%+.25 120%+.25  100%+.50  100%+.50  100%+.50  100%+.50

*Subject to Manufacturer rate/pricing change.
"Your actual rate and term may vary. The annual percentage rate may be negotiated with the dealer. The dealer may assign the installment sale contract and retain its right to receive a part of the finance charge. APR may vary if the Amount Financed exceeds TFS's Maximum Advance for the contract, your FICO score is below 520 and/or you apply for 72-84 month financing. Ask your dealer to explain how APRs vary for FICO scores below 520 and 72-84 month financing. Maximum Advance means the total amount financed less cancelable optional products financed with the vehicle, expressed as a percent of dealer invoice (new). Finance contracts with Maximum Advances of over 120% for applicants with FICO Scores of more than or equal to 650 or over 100% for FICO scores of less than 650 will result in an increase of the APR by .25 or .50 respectively."


See our new vehicle specials for current incentives! 


Platinum Protection
Coverage Term$50 Deductible$0 Deductible
3/50000$1250$1400
4/65000$1275$1425
5/60000$1300$1450
6/75000$1350$1500
6/100000$1550$1700
7/75000$1425$1575
7/100000$1650$1800
8/125000N/A$2087

Gold Protection
Coverage Term$50 Deductible$0 Deductible
3/80000$1250$1400
5/60000$1250$1400
5/80000$1300$1450
5/100000$1400$1550
6/75000$1325$1475
6/100000$1425$1575
7/75000$1375$1525
7/100000$1425$1675
8/125000$2295$2495

 Powertrain Protection

Coverage Term$50 Deductible$0 Deductible
6/100000$925$975



GAP Protection

If your vehicle is declared a total loss, your auto insurance company may not cover the amount needed to pay off your finance or lease contract. Auto Insurance companies will generally pay the marlket value of the vehicle, minus the auto insurance deductible (if applicable).

So who pays the remainder? You do, unless you have Guaranteed Auto Protection (GAP).

GAP is designed to protect you from an unexpected financial obligation if your vehicle is declared a total loss from causes such as theft, accident, fire, or flood.

The GAP program will pay the difference between your vehicles market value and the balance on your finance or lease contract including up to $1,000 of your auto insurance deductible (if applicable) in most cases.

How GAP Works
(for illustrative purposes only)

Finance or lease contract payoff amount$23,000
Minus Total auto Insurance settlement-$20,000
 $3,000
Plus auto insurance deductible$1,000
Total out-of-pocket expense$4,000
Minus GAP payment-$4,000
Total owed to financial institution to pay off finance or lease contract$0

GAP is available only at the time of vehicle purchase or lease. The price of your GAP coverage will be agreed upon by you and your Metro Toyota.



Protect Your Investment

Package Type
Package A$698.00
Package B$567.00
Package C$436.00

*Before you decide to purchase rust protection from us, we encourage you to review the vehicle manufacturer's warranty with respect to corrosion or rust and the written policy statement of the vehicle manufacturer or distributor, if any, with respect to after manufacturer rustproofing. Such warranty and statements, if any, are available for your review prior to your signing any agreement. Ask your salesperson for copies.

Auto Care Premium
Auto Care Premium Benefits Include:
--At Each Interval: Engine oil and filter change, tire rotation, 19 point inspection, lubrication of key chassis parts.
 --Toyota’s recommended maintenance log services referenced in the Scheduled Maintenance Guide; however, those items listed under “Special Operating Conditions” are not covered.
 --Full term, 24-hour roadside assistance: Towing for mechanical breakdown and collision recovery, lockout, fluid delivery, jumpstarts, flat tire changes.
 --Service reminder letters directing customer back to selling dealer.
 
--Complete computerized printout of all factory recommended services performed is provided at end of term.
 
--Refer to the Quick Reference Guide for more detailed coverage information. 

PLAN CODEPLAN TYPE    INTERVAL
   TERM/MILESSUGGESTED
   RETAIL PRICE
SP7Premium Plan      5,000   2 Yrs/25,000         $440
SP8Premium Plan      5,000   3 Yrs 40,000         $790
SP9Premium Plan      5,000   4 Yrs/55,000         $995
SP ZERO*Premium Plan      7,500   2 Yrs/ 22,500        $335

*Before you decide to purchase rust protection from us, we encourage you to review the vehicle manufacturer's warranty with respect to corrosion or rust and the written policy statement of the vehicle manufacturer or distributor, if any, with respect to after manufacturer rustproofing. Such warranty and statements, if any, are available for your review prior to your signing any agreement. Ask your salesperson for copies.






Metro Toyota - serving Kalamazoo, Battle Creek, Plainwell, Mattawan and Portage - Home


Metro Toyota
5850 Stadium Drive
Kalamazoo, MI 49009
Service: 888-847-8797
Site Map
Email: Contact Us
Toll Free:
Fax: 269-375-1019