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Financing Your First Car

Buying your first car is a huge milestone in your life! At Lawley Toyota, we hope to be a valuable partner as you go through the process of choosing and financing your first Toyota or used vehicle. One of the most overwhelming parts of buying a car is the credit process. We are here to help. Here are some tips for financing your first car.

Credit Score

Know Your Credit Score

This will eliminate any surprises when you start the credit process. Your credit score is a three-digit number that allows creditors to assess the amount of risk they are taking on when they offer you financing. Knowing your credit score can help you plan for things like needing a cosigner.

Get Your Documents Organized

Gather your financial information so that it’s ready to go when you find a car you love. This includes paystubs, proof of address, and proof of employment. It’s best to have more information than you need just so you’re prepared. If you’re unsure what you need, give us a call at (575) 538-3777. style.


Set a Realistic Budget

Take a look at all of your expenses and evaluate not just the cost of the car, but the maintenance and gas costs as well. This will ensure that you can comfortably afford you vehicle and keep you from falling in love with cars that are outside of your budget.

Enjoy the Process

While aspects of the car buying process can become stressful, it’s important to remember to have fun! This is a huge moment in your life and you deserve to enjoy it as much as possible. Those of us here at Lawley Toyota work hard to make sure this is a smooth and memorable journey for you.


If you’re ready to buy your first car from Lawley Toyota, stop by our lot in Silver City, NM, or apply for credit online. We look forward to working with you!