Online Auto Loans near Santa Barbara, CA
Purchasing a new or pre-owned vehicle can certainly feel like a time-consuming process. Between finding the right model for your travels around Santa Barbara and securing a competitive auto loan, the experience can be drawn out. This is especially true if you travel from dealership to dealership. Fortunately, we at Toyota of Santa Barbara expedite shopping by allowing you to complete the vast majority of the task from your smartphone. To learn more about our resources, continue reading, then contact us to have all of your questions answered.
Benefits
If this is your first time applying for a loan online, you might feel a bit uncertain. Allow us to explain the advantages so you can proceed confidently. For starters, we make the process simple and convenient, since you only have to fill out the designated form with a few key personal details. You’ll also have a faster processing time, so you don’t have to wait around at our location to know if you’re approved. Additionally, if you’re in an emergency because you recently totaled your vehicle, you’ll be able to get your hands on a new model sooner than later. This is because we’ll have all the information we need to secure a competitive rate before you walk through our doors. Lastly, we provide the Toyota College Grad Rebate1 and Toyota Military Rebate2 that will allow you to save $500 with the proper credentials.
Finance Application
To make sure you hit the ground running at our location, we’ll describe how to use our online Finance Application. To start, you’ll tell us your first and last name, email address, primary phone number, and date of birth. Once our database has that information, you’ll input your address along with details about your income. This will allow us to verify that you’re able to drive a vehicle in the state of California along with being able to afford the car. After that, you’ll tell us the year, make, model, trim, or VIN of the vehicle you’re interested in driving down Route 101. With all these steps completed, you’ll be able to review and make any adjustments. Upon submitting, our team will go over all the details and get back to you as soon as possible. You’ll be happy to know that we have a high approval rating, since we work with all types of credit scores.
Inventory
We don’t solely cover the online financing process, as we also provide you the ability to shop for your prospective model from our website. All you need to do is click on the New or Pre-Owned dropdown before selecting your desired category. Then, you’ll have the opportunity to use our vehicle filters to pick your preferred seating capacity, price point, model, year, and more. Once you make your final decision, feel free to use the Value Your Trade tool to see what your current model is worth. Then, you can plug that figure into the Payment Calculator to see how much your monthly rate drops depending on the term length.
Learn More About Our Website's Shopping Tools!
Dealership Information
Testimonials
“ Marco is the sales agent I recommend for his prompt follow-up and integrity during my vehicle decision making process. Marco was the 1st agent who contacted me within 2 hours after requesting information on 2025 RAV 4 Hybrids online following my accident. Customer oriented and knowledgeable, he was patient with numerous texts on my wants and needs until meeting weeks later. At that time he thoroughly addressed my needs and we discussed my options. I test drove two different RAV4 models and chose the one I wanted. He and others found the exact color, and amenities I was looking for! It was made available to me for pick-up the next day. Very pleased with my SUV and for Marco and his patience. ”
“ They were awesome! Jacob was our sales rep and Alex was our financial advisor they both were awesome ! Jacob went above and beyond to make sure everything worked out for us and our price range, I was so relieved after multiple days of hard car shopping to come across somebody so honest and genuine. And the dealership was amazing they let us borrow a car to go grab lunch and made sure we were treated to snacks, water and coffee while the deal was in progress. Will definitely buy my next car here and hopefully from Jacob!! ”
“ I have always had the best experiences with Toyota service department! They are always very honest and knowledgeable about my vehicle and what it needs! I have never felt that they would ever take advantage of me and that's why I continue to always have my car serviced at this dealership!! Alejandro, Alex, George and Jaime are so kind and helpful!! I bought my car from Juan in 2021 and had the best experience with him and Tom who helped me get financed at a great rate! ”
“ (Translated by Google) undefined (Original) If you are in the market for a new or used car go here, ask for Xavier Woods. Wonderful experience thru and thru! We all hate the thought of buying a new car, even more with the stereotypical dealership shenanigans, NOT here. I will be a long time customer! I already have them looking for my next ride! 10/10 experience! ”
“ I would like to extend my gratitude to Angel and Mikey for their exceptional service, addressing my initial concerns about purchasing a vehicle out of state with a streamlined and efficient process, keeping me consistently informed about the status of my truck through regular updates, thus eliminating unnecessary communication and ensuring a smooth experience, which would certainly prompt consideration for future purchases at this dealership. ”
“ I want to give a big thank-you to Todd from the Toyota service department. Despite an unfortunate experience earlier in the day regarding a battery replacement, Todd was incredibly helpful, professional, and kind. Jamie, the service manager, was also very helpful in navigating the issue and ensuring I was taken care of. I truly appreciate their support, and a special shout-out to Todd and Jamie for his excellent customer service! ”
“ We always love doing business at our Goleta Toyota. Seriously no haggle, they hear you, they want to get you a good deal because they respect small community businesses and life-long customers. ”
“ Oscar was awesome! Very helpful! ”
“ I had a rough start due to a misunderstanding within departments. Thought I was done with this dealer, until Cammie Perez, the new GM called me and absolutely exhibited the very best customer service that I have experienced in my troublesome quest for the perfect truck. I have replaced my faith and committed to buy from Toyota of Santa Barbara! as a result of the excellence exhibited by Cammie. ( they are even delivering it to my home! ) BUY HERE. ”
“ I recently sold a used vehicle to the dealership. The rep’s demeanor was kind and sincere all the way through. Didn’t feel pressured and walked away feeling good about the deal. Thank you, Luis and team! ”
“ I purchased a 2019 ram 1500 from the incredibly helpful staff at Toyota Santa Barbara. As professional and respectful as can be. High quality cars and trucks from the highest quality staff. The sales man Nico is who you need for anything on the lot! Customer service satisfaction %100 of the time, every time. ”
“ I would like to commend Elijah Carlson for doing an excellent job and a difficult job in figuring out the phone connection thank you, Elijah ”
“ Thank you to Koby and Christy for all their help in my recent car purchase. Koby was so helpful, he made the whole process easy and made me feel really happy and confident about the purchase. He even drove it to my house afterwards so I didn’t have to make two trips. Christy was a breath of fresh air when doing the paperwork, she was so knowledgable and proactive in making sure I made all the best decisions for additional cover etc. They were both friendly and genuinely interested all while being real professionals without being robotic and intimidating! Thank you Toyota of Santa Barbara! Highly recommend! ”
“ (Translated by Google) Tuve una experiencia excelente con Elijah Carlson cuando compré mi Prius. Conocía a la perfección cada modelo y fue muy amable. ¡Me lo recomendó muchísimo! (Original) I had a great experience with Elijah Carlson when I bought my Prius. He knew so much about each model and was so friendly. Great recommendations. ”
“ I visited the dealership unsure of what I was looking for, but Noe Santos went above and beyond to help me find the perfect car for me and my family. Throughout the entire process, Noe was patient, never made me feel pressured or rushed, and made everything feel effortless. I highly recommend reaching out to Noe Santos for any of your needs, he was amazing. ”
“ Sold my car to Toyota of Santa Barbara. Elijah C was their representative, that man shook my hand and was able to have me out of there with the last paper signed in 30 minutes. When youre busy and only have a short amount of time, go to Elijah Carlson! ”
“ Elijah Carlson took great care of me and my family, highly recommend working with Elijah. Will be returning ”
“ Bought my lease out and Mike Flores helped me out in the process. Quick and easy. Thanks for the excellent service from the team! Would definitely recommend Mike in sales and Toyota Santa Barbara for your next purchase. ”
“ I had such a great experience working with Mikey! He was so helpful from start to finish and made the entire car buying process easy and enjoyable. Mikey took the time to answer all of my questions and made sure I felt confident with my choice. He was patient, knowledgeable, and genuinely cared about finding the perfect car for me. I couldn’t be happier with my new car and the amazing service I received. Highly recommend asking for Mikey if you’re looking for someone who really goes above and beyond! ”
“ Ask for Mike Flores in Sales- Helped me get my new Tacoma at a great deal! ”
“ Sales and Finance team helped me finalize my Camry purchase with ease! Ask for Mikey Flores in Sales! ”
“ We came to Santa Barbara Toyota thru the Costco Auto Program after trying another dealership. We worked with Oscar Hernandez to purchase two cars and were very happy with the experience. He was very helpful and patient in dealing with our concerns. Would recommend this dealer and this salesperson. ”
“ (Translated by Google) ¡Compré mi camioneta en este lugar, lo recomiendo ampliamente! (Original) Bought my truck from this place, highly recommend! ”
“ Elijah Carlson was super nice and easy to work with. He helped me find exactly what I needed and made everything simple. I’d definitely buy from him again. ”
“ (Translated by Google) Elijah me brindó una asistencia excepcional durante mi reciente experiencia con Toyota. Su amplio conocimiento de los vehículos me facilitó la elección del modelo adecuado para mis necesidades. Se tomó el tiempo de explicarme las características en detalle y fue paciente con mis preguntas. Incluso me ayudó a programar una prueba de manejo, asegurándose de que me sintiera segura de mi decisión. Salí del concesionario con plena confianza en mi compra, gracias a su orientación y experiencia. En resumen, la atención al cliente de Elijah hizo que mi experiencia con Toyota fuera placentera y sin estrés. ¡Lo recomiendo ampliamente! (Original) Elijah provided exceptional assistance during my recent experience with Toyota. His extensive knowledge of the vehicles made it easy for me to choose the right model for my needs. He took the time to explain the features in detail and was patient with my questions. Elijah even helped arrange a test drive, ensuring I felt comfortable with my decision. I left the dealership feeling confident about my purchase, thanks to his guidance and expertise. Overall, Elijah's customer service made my Toyota experience enjoyable and stress-free. Highly recommend! ”
“ (Translated by Google) Excelente servicio. La transacción se realizó sin problemas y de forma natural; una experiencia fantástica. Recomiendo ampliamente hablar con Elijah Carlson si deciden ir; fue excepcional. (Original) Great service here. Deal went smoothly and naturally, great experience. I highly recommend speaking with Elijah Carlson if you decide to go, he was amazing. ”
“ (Translated by Google) Este lugar fue muy sencillo, al menos para mí. La excelente atención al cliente de Elijah Carlson hizo que toda la experiencia de compra fuera fácil y sin complicaciones. Lo recomiendo ampliamente. (Original) This place was super smooth at least for me. Excellent customer service from Elijah Carlson really made the whole purchasing experience easy and seamless. I would highly recommend. ”
“ Alex Macias is awesome. 10/10 Recommend! Got me in same day for service, my truck was done super quick. Make sure when you go to service ask for Alex Macias!! ”
“ I had a great experience at Toyota Santa Barbara, thanks to Nico Dominguez! He was very helpful and dedicated to getting me the best deal! I’ll definitely be sending some friends and family over to purchase their new cars with Nico! ”
“ The dealer was easy to talk with, they were transparent about pricing. Their fees were much lower than other dealers that i have seen. The car condition was accurate based on the posting. I would recommend using this dealership. Like buying anywhere, make sure to ask questions about the car and pricing. Usual they try to include a warranty package to overall pricing ”
1. The College Rebate Program and the College Finance Program are subject to the foregoing limits and requirements below, and are available upon credit approval from and execution of a finance or lease contract through Toyota Financial Services (TFS) at participating Toyota dealers. Not all applicants will qualify. To qualify, customers must be currently enrolled in an eligible degree program from an eligible school (as defined below), or be a graduate from an eligible school and provide proof of graduation (showing a recent graduation within two calendar years from the date of signing your vehicle lease or finance contract) from one of the following eligible schools located in the 50 United States, Puerto Rico, or U.S. Virgin Islands: (a) an accredited four-year college, university or registered nursing program; OR (b) an accredited two-year college associate degree or an undergraduate academic degree as awarded by community colleges, junior colleges, technical colleges and universities; OR (d) an accredited graduate school. In all cases, the student will have two calendar years from receipt of their degree to take advantage of the program. Must provide proof of qualification and any one of the following documents will be accepted: (a) copy of diploma; OR (b) letter from the college/university registrar’s office stating graduation date and type of degree or certification earned; OR (c) copy of the final transcript confirming graduation date and type of degree earned; OR (d) copy of current transcript (or letter from college/university registrar’s office) confirming current enrollment in a graduate degree program. Eligible customers must also meet credit approval requirements and furnish proof of present or future employment (which will begin within 120 days of credit approval) when submitting credit application. During the last 24 months, all obligations on your credit report must have been paid within 60 days of the due date, and your credit report must not show more than $1,000 in total charge-offs. Must provide proof of qualification via an ID.me account and complete the verification process at a participating Toyota dealer. Programs are not available in AL, FL, GA, HI, NC, and SC.
2. $500 rebate offered by Toyota Motor North America, Inc. and may be applied toward finance or lease contracts on new Toyota vehicles, dated from July 2, 2024 through July 31, 2024. To qualify for the rebate, at the time of purchase or lease you must (1) be in current active duty status in the U.S. military (Navy, Army, Air Force, Marines, National Guard, Coast Guard and active Reserve) OR a U.S. military inactive reserve (i.e., Ready Reserve) that is part of the individual Ready Reserve, Selected Reserve and Inactive National Guard; OR a retiree of the U.S. military, OR a U.S. military veteran within two years of their discharge date; OR a household member of an eligible U.S. military personnel, including Gold Star family members; AND (2) provide verifiable proof of military status or active service; (3) receive a salary sufficient to cover ordinary living expenses and payment for your new vehicle; and (4) receive credit approval from and execute a finance or lease contract through a participating Toyota dealer and Toyota Financial Services. Must provide verifiable proof of military status or active service; or retired via an ID.me account and complete the verification process at a participating Toyota dealer. Not all applicants will qualify. On lease contracts, rebate must be applied toward the Amount Due at Lease Signing or toward the Capitalized Cost Reduction. On finance contracts, rebate must be applied toward the Down Payment. Limit one rebate per finance or lease transaction per eligible U.S. military personnel or eligible household member. Offer not combinable with the College Graduate Rebate Program, the iFi Program, and the Lease-End Refi Program. Vehicle must be taken out of dealer stock. Terms, conditions and restrictions apply. Program is not available in AL, FL, GA, HI, NC, and SC. Rebate terms may be more generous in your local area. Ask your participating dealer about the military rebate terms in your area. Must pay sales tax. Void where prohibited by law. Not redeemable for cash. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by TMCC or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. TMCC is the servicer for accounts owned by TMCC, TLT, and their securitization affiliates.
“ Seamless transactions. Been helped by Mikey Flores, Angel and with the sales service team to get the unit i wanted. Options have been provided, given what were requested. No rush, no pressure. I was even offered vehicle for temporary use and remote transactions with delivery. Highly recommended Toyota dealer and staffs! ”