Southeast Toyota Finance Review

Southeast Toyota Finance is offered by World Omni Financial Corp, a financial services company founded in 1981 and based in Deerfield Beach, FL. Southeast Toyota Finance is available in 5 states across the USA.

What APR does Southeast Toyota Finance offer on its auto loans?

Southeast Toyota Finance offers an auto loan product that ranges from 0% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum loan term you can get with Southeast Toyota Finance?

Southeast Toyota Finance has auto loans with terms ranging from 12 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Does Southeast Toyota Finance charge an origination fee?

Yes, Southeast Toyota Finance may charge a loan origination fee.

Does Southeast Toyota Finance charge a late fee?

Yes, Southeast Toyota Finance charges borrowers with a late payment penatly fee

Does Southeast Toyota Finance charge prepayment fees?

Yes, Southeast Toyota Finance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Southeast Toyota Finance loan?

Yes, you can. However, World Omni Financial Corp charges a prepayment fee if you pay your auto loan early. This fee could reduce or eliminate the savings from paying the auto loan early.

What do you need to qualify for Southeast Toyota Finance?

Applicants with a credit score of at least 610 and up to 850 may be eligible for Southeast Toyota Finance. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Southeast Toyota Finance does not have or does not disclose a minimum annual income eligibility requirement. Southeast Toyota Finance only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Southeast Toyota Finance. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Southeast Toyota Finance. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

• Recent pay stubs
• Proof of income
• Driver's license
• Government issued photo ID
• Proof of identity
• Proof of citizenship or residence permit

Does Southeast Toyota Finance report your account activity to credit bureaus?

Yes, Southeast Toyota Finance reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.