Auto Loans in New Mexico

The Toyota of Santa Fe finance department is focused on ensuring that your auto loan experience with our dealership exceeds your highest expectations. Our friendly finance managers work with drivers in New Mexico, including Santa Fe, Albuquerque, Los Alamos, Taos and Espanola, to ensure our vehicle owners are matched with the best auto financing programs at the most competitive vehicle loan rates.

We strive to work with each customer to ensure their satisfaction. We have financed customers from Rio Rancho to Los Alamos. Whether you are right down the road or an hour away from Santa Fe you can use our quick pre-approval form to qualify for one of our finance programs. Additionally, we provide you with a payment calculator to estimate your buying power and your vehicle’s monthly payments.

Our Automotive Financial Services Include:

• • We Shop Over 25 Financial Institutions
  • 90 Days to Pay with Approved Credit^F2
  • Quick approvals
  • Monthly Dealer Specials
  • Monthly Toyota Lease & Finance Specials
  • Competitive rates direct from the manufacturer and local New Mexico banks
  • Value-added services to protect your vehicle investment
  • Extended car warranty programs
  • And many more vehicle finance programs to fit your needs

Your Loan? What To Bring With You:

• • Proof Of Income
    • Take copies of your pay stubs from the last month, with a total of what you’ve been paid year-to-date. If your stubs are hand-written, you may need four consecutive statements with cancelled checks from your employer. For self-employed applicants, lenders often use tax returns to determine gross income, so bring copies of your tax returns from the past two years. Find out whether your lender requires any paperwork to be signed by an auditor. If you have income from rentals, legal settlements, alimony or child support, social security or other sources, take proof with you. Your lender may not require these documents, but if you bring proofs of other income you receive, it may grant you a larger loan than it would on the basis of your employment income alone.
  • Proof of Residence
    • Your mortgage statement can be used to verify your home address, as can any piece of personalized mail you have received within the last month.
  • Proof of Insurance
    • You must provide proof that the insurance company knows about your newly purchased car and that the car is adequately insured.
  • Drivers License
    • You have to drive the car off the lot, so the dealer needs to know that you are a legally registered driver. The driver license also serves as identification for your check or other form of payment.

What About My Trade-In?

• • Visit Our Online Trade Application
  • Title for Your Trade
    • If you are trading in a vehicle, you will need proof that you own it. The title, sometimes called the “pink slip,” shows that you are the owner. Locate that document and see how the car is “titled” (meaning, who legally owns it). If there is a co-signer or a lien against the title, get the required signature ahead of time. Be careful at this stage. Any mistakes in how the title is signed might make it unacceptable to the dealer or lead to it being rejected by the state’s motor vehicle registry. Again, if you are unclear on what to do, call the dealership’s finance manager ahead of time and get some help. You also can check your state’s motor vehicle registry website (e.g., NM MVD) to see where to sign the title.
  • Current Vehicle registration for your trade-in
    • If you are trading in a vehicle, you will need a copy of your current registration. Locate this important document, verify that the registration is current and also check that the sticker is on the license plate.

^f2 90 Days to Pay 90 days to pay provided by State Employees Credit Union. 90 Days to Pay with Approved Credit. The first month’s payment may reflect a minimal or no principal reduction due to the number of days of interest accrual from the closing date to the first payment date. State ECU’s offer. Price does not include $369 dealer service delivery fee. Standing Offer.