Do You Want To Finance Or Lease For The First Time In Cookeville, TN?



Come To Cumberland Toyota Near Crossville And Livingston

Our local Toyota dealer serves first-time car buyers who want to finance or lease a Toyota. It's a problem many of us experience: You can't get a loan without credit, and you can't build credit without a loan. If you want to finance or lease a Toyota, we invite first-time buyers to our Cookeville Toyota dealership.

Here at Cumberland Toyota, we help car buyers with little or no credit history. If your credit application was turned down near Crossville and Livingston, there is still hope. Have you been told you can't be approved for a car lease because you don't have a credit history? There is still hope. Maybe you have always paid cash for cars, and now you would like to lease a new Camry. There is still hope. Come to Cumberland Toyota for the answer you're looking for. We're here to help you through your car loan application.


Financing Is Easy At Cumberland Toyota

It is common for first time car-buyers to be intimidated the financing process. Even if you have a permanent place of residence and history of employment, lenders still won't help you. You probably see drivers with less-than-perfect credit scores receive alternative financing and wonder why you are consistently turned down. We understand your frustration.

The experts at our Cookeville Toyota finance department will highlight loan programs that are structured towards first-time buyers. Maybe you have paid cash all your life, or perhaps you graduated college and are starting your professional career. We want to help you establish your history of automotive credit.


We Improve Your Chances

Why limit your application to one bank? We collaborate with a vast network of banks to improve your chances of being approved. Our team can also structure car loans toward first-time buyers that offer a mix of low interest rates, lower monthly payments, and longer terms, and zero down payments. We want to work with you.

We maintain relationships with banks at the local, state, and national level who want your business. Credit unions are another option. We know which companies consider your entire credit profile and see you as more than a credit score.


Do I Need A Co-Signer Or Big Downpayment?

First-time lessees often think a large downpayment or co-signer is a pre-requisite. These options can certainly help you be pre-approved, but they are not mandatory. If you won't want to put a lot down and you don't have a co-signer, we can discuss options.


College Grads And Seniors Looking For Credit

Cumberland Toyota believes that everybody deserves the chance to drive a new Toyota RAV4. We want you to find the new Toyota crossover you have your heart set on. Getting approved for financing doesn't have to be complicated regardless of your current credit status.


Build Your Credit With Timely Payments

Our friendly finance associates will explain the process, help you find you a Toyota you'll love, and work hard to get loans for first-time car buyers. Take the drive to Cumberland Toyota today!

Dealership Information

Cumberland Toyota Sales Staff Hours

(931) 400-2099

Service Hours

(931) 400-2065

Parts Hours

(931) 400-2082

Collision Center Hours

(931) 520-4134