Toyota of Fort Walton Beach
Sales: 850-357-8984
Service: 850-357-8982
Parts: 850-357-8983
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Hassle-Free Financing For Bad Credit Buyers

Recent Repossession? Multiple Repossessions?

No Problem! Get A Vehicle Loan After A Repossession From Toyota Of Fort Walton Beach.

If your property has been repossessed, it can mean a whole lot of trouble both in your life and for your credit score. However, if you do have a repossession on your record, it doesn't mean that you can't get an auto loan. If you need to buy a vehicle and also need a loan, come to Toyota of Fort Walton Beach.

We offer bad credit opportunities to all of our customers, even those who have gone through a recent repossession or have multiple repossessions on their records. Most financial advisors will tell you to wait as long as you can after a repossession to apply for any type of loan, but if you need a car now, a bad credit loan is a great way to get reliable transportation fast! No need to wait another moment; if you're looking for a reliable car in FORT WALTON BEACH, FL, come to Toyota of Fort Walton Beach and let our financial specialists help you get a hassle-free auto loan. Our location serves all of the following: Pensacola, Panama City, Wright, and Navarre.

If you are applying for a bad credit auto loan and have recently had a repossession or have a past repossession on your record, here are a few tips to make applying for a bad credit loan easier:

  • Determine the exact state of your credit: if you have had a repossession, be it of a vehicle or other property, it might not be as bad as you think. Get a copy of your credit report and read it thoroughly before applying.
  • Check your credit report for errors: correcting errors, even a misspelled name or incorrect address, can have a positive impact on your score.
  • Fix what you can: determine which credit issues you will be able to resolve, whether it's settling balances in collection, bringing past-due balances up-to-date, or simply being more disciplined with your spending and borrowing.
  • Prepare for an increased down payment: having a large down payment available will help you greatly. Prepare for a down payment somewhere around 20% of the value of the vehicle you plan on purchasing.
  • Have the necessary documents on hand: it will be easier to secure a personalized loan if you have all the necessary documents available when you apply for your loan. Ask your lender what documentation they will need before you start. Your driver's license, a recent pay stub, proof of insurance, a utility bill, and possibly your most recent federal income tax return are commonly requested.
  • Be upfront with your lender and finance advisor: most sub-prime lenders are going to do their due diligence, so it's best to be truthful from the start about your finances.
  • Buy a vehicle that fits your budget: focus on the basics, choose something reliable and without a lot of bells and whistles. You might not get your dream car, but you will have reliable transportation that you can afford and that won't require a huge down payment.

Apply for financing today with Toyota of Fort Walton Beach by filling out our secure online credit application. Get the auto loan you need today!



Sales Hours

850-357-8984
Monday 9:00 am - 7:00 pm
Tuesday 9:00 am - 7:00 pm
Wednesday 9:00 am - 7:00 pm
Thursday 9:00 am - 7:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 6:00 pm
Sunday Closed

Service Hours

850-357-8982
Monday 7:00 am - 6:00 pm
Tuesday 7:00 am - 6:00 pm
Wednesday 7:00 am - 6:00 pm
Thursday 7:00 am - 6:00 pm
Friday 7:00 am - 6:00 pm
Saturday 8:00 am - 3:00 pm
Sunday Closed

Parts Hours

850-357-8983
Monday 7:00 am - 6:00 pm
Tuesday 7:00 am - 6:00 pm
Wednesday 7:00 am - 6:00 pm
Thursday 7:00 am - 6:00 pm
Friday 7:00 am - 6:00 pm
Saturday 8:00 am - 3:00 pm
Sunday Closed

Make Ready Department Hours

850-863-2167
Monday 7:00 am - 7:00 pm
Tuesday 7:00 am - 7:00 pm
Wednesday 7:00 am - 7:00 pm
Thursday 7:00 am - 7:00 pm
Friday 7:00 am - 7:00 pm
Saturday 7:00 am - 7:00 pm
Sunday Closed

Used Car Department Hours

Monday 9:00 am - 7:00 pm
Tuesday 9:00 am - 7:00 pm
Wednesday 9:00 am - 7:00 pm
Thursday 9:00 am - 7:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 6:00 pm
Sunday Closed