Finance Center

Welcome to Our Financing Department

Welcome to Sheehy Toyota of Fredericksburg's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application. Sheehy Toyota of Fredericksburg Offers Stress-Free Auto Financing throughout Fredericksburg, Culpeper, Spotsylvania Courthouse and Falmouth VA.

Here at Sheehy Toyota of Fredericksburg, we always go the extra mile to provide stress-free auto financing to our valued customers throughout the Spotsylvania Courthouse area. We know that helping you choose from our new Toyota models and used vehicles in Fredericksburg, VA, is merely the beginning of our automotive services.

Sage Advice and Financing Help When You Need It

Of course, we hardly expect you to navigate the many intricacies of auto financing on your own. You'll have the helping hand of our auto finance experts to guide you throughout the purchasing process from vehicle trade-in to signing on the dotted line.

All types of credit, from good to bad, can qualify for an auto finance in Fredericksburg, VA. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. Here at Sheehy Toyota of Fredericksburg, we always go the extra mile to provide straightforward and stress-free auto financing to our valued customers throughout Fredericksburg, Culpeper, Spotsylvania Courthouse and Falmouth, VA. Sheehy Toyota of Fredericksburg has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

The Difference Between a Loan and a Lease

As you may know, the main difference between having a car loan and leasing is that when you pay off the loan, the car is yours and when you lease, you don't. For that reason, you are not leasing for the total cost of the car, you just pay for the depreciation of the vehicle that occurs and then you return the car at the end lease. Both options come with some benefits and drawbacks.

Auto Leasing

The obvious drawback is that you don't actually own the car. Since the vehicle belongs to the leasing company, often there are restrictions on mileage limits as well as lease-end costs if your vehicle's condition has degraded too much.

Some of the benefits of leasing include lower monthly payments, easy trading in, and a smaller down payment.

Car Loan

Typically, car loans near Fredericksburg, VA, cost more in the short term. Unless you pay a large down payment, your monthly payments will be high. When you finance a car, you pay interest on the entire amount of money that you borrow, and you will also have to pay sales taxes on the entire amount as well.

What are some of the benefits? The car is yours after you pay off the loan, there are no mileage restrictions, and you can use the value of your vehicle to have it go towards your next purchase.

Low-interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car finance help near Culpeper, Spotsylvania Courthouse and Falmouth, VA.

We've learned that there's no one-size-fits-all answer to auto financing. That's why we'll work with you to develop a tailor-made financing plan that suits your individual needs and budget. We'll make it easy for you to decide between buying and leasing before helping you secure a low-interest loan or competitive lease rate on your next car.

Friendly Service that You Can Count on and Car Lease Deals Near You

With our expert assistance, you'll take the keys to your new car before you know it! Just make sure to stop by our Toyota dealership in Fredericksburg to learn more about your auto financing options today!

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Sheehy Toyota of Fredericksburg

3507 Jefferson Davis Hwy
Directions Fredericksburg, VA 22408

  • Sales: 844-773-3210
  • Service: (540) 341-1792
  • Parts: (540) 710-8500


  • Monday  9:00AM-9:00PM
  • Tuesday 9:00AM-9:00PM
  • Wednesday 9:00AM-9:00PM
  • Thursday 9:00AM-9:00PM
  • Friday 9:00AM-9:00PM
  • Saturday 9:00AM-7:00PM
  • Sunday 12:00PM-5:00PM
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