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Who Has the Best Car Loan Rates? | Jim Hudson Toyota

Who Has the Best Car Loan Rates?

The best car loan rates depend on several factors, most significantly your chosen car and your financial situation. You have several options in finding a car loan, from banks or directly through your local Toyota dealership, so learn more about how to find the right loan for you with help from our finance team.

What is the Current Interest Rate for Car Loans?

Your credit score will play a significant role in securing your car loan rate. Credit score rankings are categorized as:

  • Excellent credit: 850 – 740 = 3.2% interest rate
  • Average credit: 739 – 680 = 4.5% interest rate
  • Sub-par credit: 680 and below = 6.5 – 12.9% interest rate

The higher your credit score, the lower your interest rate will be, so planning ahead and working on your credit before shopping for a car will help you in the long run. If you have bad credit you can still secure financing.

How to Get a Car Loan

When you shop with Jim Hudson Toyota, you can start the financing process from the comfort of your home. Apply online, and have the following information ready:

  • Driver’s license and Social Security number
  • Employment verification
  • Proof of income
  • Proof of assets

It’s also a good idea to get a sense of what your future car payment will be with our payment calculator, and value your trade to get an even better deal!

Apply for a Loan at Jim Hudson Toyota

For more car buying tips, work with the pros at Jim Hudson Toyota. We’re here to help you get a great car for a great price. Contact us today to get started!

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(803) 407-5678

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970 Columbiana Drive • Irmo, SC 29063

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Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7am-6:30pm

Open Today! Parts: 7am-6:30pm

Jim Hudson Toyota

970 Columbiana Drive Irmo, SC

Phone: (803) 407-5678



Phone: (803) 732-5018

970 Columbiana Drive Irmo, SC


Phone: (803) 407-5678

970 Columbiana Drive Irmo, SC


Phone: (803) 407-5670

970 Columbiana Drive Irmo, SC
34.097423 -81.177978
Jim Hudson Toyota 34.097423, -81.177978.