Finance Center

You will be pleasantly surprised! Our loans are competitive with the local banks and credit unions. We offer many low-interest loans and the process is simple. Gone are the days when you had to fill out pages and pages of financial information. Give us a call or click the button below to get started!

Apply Now Value Your Trade Payment Calculator

Did you know that a payment calculator is just one tool to help you learn more about what you can afford? Maybe you’re willing to take on a higher payment for a shorter period of time. Maybe you’re more comfortable with a lower monthly payment that will take longer to pay off. Regardless, there are ways Mount Airy Toyota can work with you to get you moving.

Whether you’re shopping for something fresh off the lot or that’s been around the block, understanding how to finance your car is an important part of the purchasing process.

At Mount Airy Toyota, we aim to make financing your next vehicle something that’s easy to do. Our certified financial advisors are trained to work with any credit situation and leverage a network of hundreds of banks and lenders to secure the best rate for you. Our advisors are kind and considerate. They know that life happens. You shouldn’t be worried or embarrassed about discussing your financial status with our advisors. Helping others work to meet their financial goals is what they were trained to do!

Even if your credit score is something anyone would be proud of, our lenders may still provide you with benefits that you may otherwise not be able to access.

Whether you’re thinking of buying this week or next year, we can work with you to make a plan for your next purchase. Our customers come from Mount Airy and the surrounding communities — Pilot Mountain to Fancy Gap, Roaring Gap to Winston-Salem, Meadows of Dan to Yadkinville — to buy their new Toyotas as well as shop our great used car inventory.

Check your own credit score

Often you can check your credit score for free through your bank or credit card institution. You also can request a free copy of your credit report from each of the three major credit reporting agencies — Equifax, Experian, and TransUnion — once a year at or by calling 877.322.8228. Once you have an idea of your score, consider what you can do to improve it! Is everything on your report accurate? If not, file a dispute. You should receive a response to your dispute within 30 days. Do you know some of the things that hurt a credit score?

  • Even one late payment: if you make a payment more than 30 days late, chances are it’s going to show up on your report; if you’re having trouble making payments, it’s better to try to work out a payment plan and keep an account from going to collections
  • Not paying ALL of your bills on time: utilities, rent, phone bills — every kind of bill adds up
  • Applying for more credit: a hard credit inquiry impacts your score whether or not you’re approved
  • Canceling your zero-balance credit cards: cancelling cards reduces the amount of credit you have and can shorten your credit history
  • Transferring balances to a single card: it may seem easier, but consolidation on to one card can negatively impact your debt ratio so that you owe too much of a card’s available credit
  • Co-signing credit applications: you may be great about paying your own bills, but the person you’re co-signing for may not be; don’t let their negligence tank your credit
  • Not having enough credit diversity: credit cards, loans, bills — it matters that you can keep multiple accounts paid up
  • Holding high credit card balances: even though you may not own that much, if you owe a high percentage of your available credit, that’s a flag
  • Unemployment leading to missed payments: going without a job for a while isn’t the problem; it’s not paying bills that hurts
  • Ignoring your credit report: check it annually and do what you can to fix it

Know what your trade in is worth

Many people buy a car to replace an older car. At Mount Airy Toyota we can help you figure out how much your trade in is worth, which will help your buying power. Just use our easy to submit form to provide details about your vehicle and you, and a Mount Airy Toyota staff member will get in touch with you with an estimate!

Apply for financing

Before you even come to the dealership, you can apply for financing now. Our online form is secure and collects the information needed to approve a loan amount and interest rate.

Mount Airy Toyota:

  • Pre-approval
  • Easy to fill-out forms
  • Private, no-hassle process
  • No obligation application

Search for specials

Mount Airy Toyota provides offers and incentives that make buying a new car even easier. Our military rebate and college grad rebate as well as dealer incentives give traction to your purchasing power. We also offer new car and used car specials and service specials to keep your new ride running smooth.

Contact us

Search our online inventory at, give us a call at 336.786.2118, or come visit us at 508 N. Andy Griffith Pkwy, Mount Airy, N.C. 27030. Our sales department is open from 9 a.m. to 8 p.m. Monday through Saturday, and our financing experts are here to help you every step of the way.

Mount Airy Toyota Finance Center

Open Today! Sales: 9am-8pm Call us at: (336) 786-2118
Mount Airy Toyota is located at: 508 N Andy Griffith Pkwy. • Mount Airy, NC 27030
Mount Airy Toyota 36.5096993, -80.6243259.