Get Approved with Servco Toyota Honolulu's Fresh Start Program Regardless of your Credit History

If you have bad credit, get your next car, truck, van, or SUV with our Fresh Start program

Helpful & Hassle-Free Financing Process

We can help anyone, and we want to help everyone finance a new Toyota or used car. Our financial gurus at Servco Toyota Honolulu take great pride in situating Hawaii drivers with affordable special financing.

No matter what your financial situation is - great credit, bad credit, or no credit - we will treat you like any other qualified customer. We'll work with your budget and credit score, whether you have bad credit or no credit, to find an auto loan or used car financing that works best for you.

How Fresh Start Financing Works at Servco Toyota Honolulu

It's no secret that it becomes difficult to get approved for an auto loan or used car financing when you have bad credit. But that doesn't mean it's impossible. At Servco Toyota, one of our main goals is to improve the driving lifestyle of Honolulu motorists. We aim to get you behind the wheel of a car, truck, or SUV best suited for you.

We express the willingness to work with all Honolulu customers who are facing an uphill financing battle with no credit or a bad credit score. If you have a permanent address and a steady income, you're almost certain to be approved for an auto loan.


Making monthly payments is a way to boost or rebuild your credit score - even from the ground up if you begin your new or used car finance journey with no credit.

Here are some tips for customers to boost their credit score and how to plan ahead before applying for bad cred or no credit financing through Servco Toyota:

  • Make on-time monthly payments
  • Clear any existing debt
  • Avoid applying for a surplus of credit cards
  • Save up for the down payment on your new or used Toyota purchase

For shoppers who are about to apply for special financing, they should avoid the following areas at all costs:

  • Late Rent Payments
  • Credit Card Balance Transfers
  • Tax-Liens
  • Bankruptcy

FAQs: Financing

Q: Can I get approved for an auto loan if I have a poor credit score?

A: Yes.  Our team works closely with many different lenders to help get you into a new or pre-owned vehicle that fits your needs.

Q: How can you help me when other dealerships could not?

A: At Servco, we have over 100 years of experience helping Hawaii's kama'aina fulfill their transportation needs with our local style hospitality. As Hawaii's largest dealership group, we have access to more inventory than anybody in Hawaii.  We also have access to many lenders that have approved thousands of locals with a wide range of credit history.

Q: How much money do I need to put down?

A: Cash down can certainly help and is recommended, but we understand every situation is different.   We will personally work with you to find the right solution that works within your budget.

Q: Can I get approved if I had a vehicle repossession?

A: A prior repossession does not automatically disqualify you from getting approved for a loan.  We have several lenders that will consider approving a loan approval even with a past repossession on your history.

Q: Can I get approved if I had a bankruptcy?

A: We work closely with financing sources that will consider your loan application even if you have had a Chapter 13 or Chapter 7 bankruptcy.  Our team is eager to help you no matter your circumstance.

Q: Can I trade in my current vehicle?

A: Yes.  Whether you still owe money, even if you owe more than it is worth, we welcome any trade-in vehicle that you want to replace.

  1. Servco Toyota

    HI 96819

    • Sales: (877) 215-5585
  2. Servco Auto Kauai

    2477 Ulu Maika Street
    Lihue, HI 96766

    • Sales: (877) 215-6583
  3. Servco Toyota Windward

    45-655 Kamehameha Highway
    Kaneohe, HI 96744

    • Sales: (877) 215-6289
  4. Motor Imports

    609 South Street
    Honolulu, HI 96813

  5. Servco Toyota Service Center

    2841 Pukoloa Street
    Honolulu, HI 96819

    • Sales: (877) 215-7166
  6. Servco Toyota Honolulu

    2850 Pukoloa St Ste 200
    Honolulu, HI 96819

    • Sales: (877) 215-5313
  7. Servco Auto Waipahu

    94-729 Farrington Hwy
    Waipahu, HI 96797

    • Sales: (877) 215-6217
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Get in Touch

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  • Tuesday9:00AM - 6:00PM
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  • Thursday9:00AM - 6:00PM
  • Friday9:00AM - 6:00PM
  • Saturday9:00AM - 6:00PM
  • Sunday10:00AM - 4:00PM