Credit Application

Apply for credit now and save time at the dealership

Applying for credit is easy, and you can get started financing a purchase or lease right here. Use the form below to provide us with information we need to help find the payment and terms that work best for you.

As soon as we process your information, one of our experienced Financial Managers will call you to review your options.

If you are worried about credit, you may prefer to Prequalify for Financing before you apply for credit.

You Already Applied for Credit

Your reference number is . Keeping a record of it can save you time when you contact us.

Your Next Steps

It's time to find your car! Check out our Current Inventory or use the Inventory Search tool on the right to begin customizing your search.

You might also be interested in our latest New Car Specials or Used Car Specials, available for a limited time only.

If you haven't already, save time at the dealership and Value Your Trade-In Vehicle online.

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Use our secure application to apply for an auto loan. Once our financial experts receive the information you provide, they will help you obtain financing to purchase your next vehicle.


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Applying for Credit at Lithia Toyota of Springfield is the Easiest Way to Get an Affordable Car Loan in OR

If you make smart decisions about car financing, applying for a car loan in Springfield, Eugene, Corvallis, or Roseburg can be the first step toward better credit, a smoother commute, and a happier you.

And if you're ready to get started on your financing application, you can fill out the secure Online Finance Application located on this page--but if you've got questions about car or truck loans, leasing vs buying, applying vs pre-qualifying for credit, or how to get approved for the car you want, read on.

Frequently-Asked Questions About Car Loans: Financing, Interest, New vs Used Loans

Whether you're financing through a dealership or independently through a local lender, making sure you know all of your options and you feel confident in the process is key. We've answered some of the most common questions about financing a new or used vehicle, applying for a car loan, and wading through the sometimes-tricky world of auto loans.

If you still have questions about reading through this, ask us directly!

  • How much car loan can I get approved/can I qualify for? This varies by a lot of factors--you can usually get approved for a higher loan through a bigger lender, if you have great credit, or if your debt-to-income ratio (the amount of total debt in your name, paid per month, compared to your monthly income) is less than 43%. We can help you get the absolute most car for your money, and for your situation
  • What are car loan interest rates/What's an APR? APR, or annual percentage rate, is the rate of interest charged annually on the loan that you take out; a lower APR means that you'll pay less for the vehicle over the total length of time. Usually, APR for a car loan is fixed, so it won't change
  • What are interest rates based on? Interest rates are based on your credit history and credit score (better score = better rates), condition of vehicle (new or used), length of term until loan payoff, and other major factors--sometimes even location
  • What will I need for a car loan? When you financing with a dealership, all you'll need to apply for a secure a car loan is your basic personal information and a driver's license--we can help you do everything else that individual lenders may be less willing to put in the work for
  • What is "being upside down" on a loan? Being "upside down" just means that you owe more money to the lender than the vehicle is worth--for most vehicles, drivers are upside down for the first few months, simply because every vehicle takes a significant hit to value when it leaves the dealership lot. This is especially true for luxury cars. Thankfully Toyota cars hold their value well, so you'll be "right-side up" with positive equity in no time
  • Can I get an auto loan if I don't have good credit? It's absolutely possible, but not always guaranteed; contact Lithia Toyota of Springfield to learn more about your options even with less-than-perfect credit


Lithia Toyota of Springfield

163 South 9th St
Directions Springfield, OR 97477

  • Sales: (888) 351-2916
  • Service: (877) 468-4053
  • Parts: (877) 816-4118


  • Monday 8:30am-7:00pm
  • Tuesday 8:30am-7:00pm
  • Wednesday 8:30am-7:00pm
  • Thursday 8:30am-7:00pm
  • Friday 8:30am-7:00pm
  • Saturday 8:30am-7:00pm
  • Sunday 10:00am-6:00pm
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