Also known as: SET Finance; Southeast Toyota Finance
Southeast Toyota Finance is a regional captive auto financing program that provides vehicle loans and leases for Toyota vehicles purchased through Toyota dealerships in the southeastern United States. It is operated by Southeast Toyota Distributors, LLC, which is an independent Toyota vehicle distributor covering Alabama, Florida, Georgia, North Carolina, and South Carolina. The financing itself is funded and administered in partnership with World Omni Financial Corp.
Southeast Toyota Finance is distinct from Toyota Financial Services, which is Toyota Motor Credit Corporation's national captive lending program. Southeast Toyota Finance serves only the five-state Southeast Toyota Distributors territory, and its products may differ from what Toyota Financial Services offers in other parts of the country.
Buyers at Toyota dealerships in Alabama, Florida, Georgia, North Carolina, and South Carolina may be offered financing through Southeast Toyota Finance rather than the national Toyota Financial Services program. The products include retail installment loans and lease financing for new Toyota vehicles and, in some cases, certified pre-owned models.
As with other captive lender programs, manufacturer promotional financing offers are available periodically on specific new models, typically for buyers with strong credit histories. These promotional rates apply only during their advertised windows and on qualifying vehicles.
Consumers purchasing a Toyota in the Southeast Toyota Finance territory should compare the dealership's financing offer with quotes from their own bank or credit union. Pre-approval from an independent lender before visiting the dealership provides a useful baseline for comparing any captive finance offer.
Quick info
Auto Finance
SET Finance; Southeast Toyota Finance
JM Family Enterprises
Not verified
2026-06-06
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Auto loans; leasing for Toyota vehicles in the Southeast
Additional notes
Financing available through Toyota dealerships in Alabama, Florida, Georgia, North Carolina and South Carolina.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about Southeast Toyota Finance?
Start with Southeast Toyota Finance's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Southeast Toyota Finance regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Southeast Toyota Finance's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Southeast Toyota Finance has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Southeast Toyota Finance issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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