Finance Center

Open Today! Sales: 9am-6pm Call us at: 508-471-2555

When you start car shopping, picking out the model you want to drive around the Worcester, Auburn, and Shrewsbury areas is the easy part. Once you’ve got a vehicle in your sights, it’s all about crafting a financial plan that fits your budget and lifestyle. So you don’t have to tackle financing on your own, Harr Toyota has developed a helpful and accommodating finance center.

Many of the resources our center provides can be accessed online. However, if you come by in person, you’ll have the chance to lean on the experience and expertise of our financial advisors!

Building the Right Financial Plan

There are several considerations to make when you start to consider various financing options. You can buy the vehicle outright or opt for a favorable loan. You can spread your payments out over time or frontload the payments so you can move through them more quickly. How do you know which decision is best for you? That’s where our financial advisors step in!

Each advisor has a thorough understanding of financing built through years of experience. All our team needs is to get to know your specific situation, such as the model you want, your preferred budget, and other details. Once we know about you, we can offer advice or help you start framing the ideal payment structure.

If there are questions you have about buying, leasing, loans, credit, or some other aspect of financing, you can give us a call or stop through in person!

Credit and Loans

For many folks, landing the right car is about landing the right loan. There are many different types of loans, too, so securing one with favorable rates is key. Our team will be happy to guide you through the application process. Over the years, we’ve developed strong ties to nearby lenders which will benefit you when applying.

As for credit, it’s going to play a role in the type of loan you’re about to land. There are ways for you to go about boosting your credit score, which is something we can help you with. By consolidating payments onto one credit card and making your payments in full each month, your credit score will begin to trend in the right direction.

Start Using Our Online Tools!

You don’t have to wait a second longer to begin using our online financing tools. To begin outlining the proper budget, use our payment estimator and trade-in calculator.

If you’re serious about a new car from our expansive inventory, filling out the pre-approval form will do a lot of good for our advisors as they begin to build you the right payment structure.

A Finance Center You Can Count On!

In the end, visiting our finance center is about getting you out on the local streets of Shrewsbury, Worcester, and Auburn in your favorite model. So look through the Harr Toyota inventory and when you find the right ride, begin to utilize the resources of our finance center.


Dealer Info

Phone Numbers:Sales Hours:
  • Mon - Sat9:00 AM - 6:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat7:30 AM - 4:00 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat7:30 AM - 4:00 PM
  • SunClosed
Collision Center Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat - SunClosed
Rentals Hours:
  • Mon - Fri8:00 AM - 5:00 PM
  • Sat8:00 AM - 11:00 AM
  • SunClosed
Protect yourself from unforeseen accidents with


Let’s face it, accidents happen. At Harr Toyota we are proud to offer GAP Insurance to protect you and your vehicle. Based upon vehicle worth during time of loss and what is owed on the vehicle, it’s possible you could owe more than the vehicle is worth. Harr Toyota’s GAP insurance option, offered on both finance and leases, covers the difference of the amount on a loan between the asset value and the amount another insurance policy is covering. They also pay the insurance deductible, which can save you even more money.

Drive with peace of mind with a


(Up to 8 years or 125,000 miles) Stay protected and drive with peace of mind beyond the factory warranty! To help protect against unforeseen and costly repairs, Harr Toyota offers an extended Service Contract above and beyond the factory warranty. This is available on new and pre-owned vehicles purchased at Harr Toyota, regardless of the manufacturer! We also tailor the contract to make sure it fits each person’s driving habits.

Keep your vehicle looking sharp with


Keeping your vehicle looking new inside and outside is important, but not always easy to do! Severe weather conditions can cause your automobile to endure a lot of damage. Harr Toyota wants to help you protect your new car from weather and other potential environmental damages to your exterior. Whether it’s acid rain, tree sap, the paint fades away or any other environmental damage, we’ll repaint, re-sand, apply protection coating paint and more. The same goes for your interior: under this plan, you’re protected against stains and other causes to fix the problem. Most importantly, this helps maintain the highest possible resale or trade-in value.

Plan ahead for recommended services with


Planning ahead pays off! Prepare for all your vehicle’s recommended services, like oil changes or tire rotations, in advance, and save money! Prepaid Maintenance, which prepays for those procedures you’ll need in the future, will ultimately save you money in the long run. As always, our Prepaid Maintenance plans are fully customizable and we’ll work with you to modify it to meet your specific needs. Our representatives will take the time to go over all the options available to you at time of sale.

Guard your tires and wheels against road hazards with


The factory warranty provided on tires only covers manufacturer’s defects. Unfortunately, tires and wheels can be easily damaged by unforeseen road hazards, which includes pot holes as the most common occurrence in New England. We have up to a 5-year program that covers the tires and wheels for repair and replacement against unforeseen road hazards and curb damage.

Don’t worry about lost keys with our


When buying or leasing a car, you receive two sets of keys, making it easier to lose or damage one. It is also required by the leasing companies to have both sets of keys when turning in the vehicle. Under this program, Harr Toyota will replace your keys once a year up to a value of $800.

Protect yourself from theft with our


Car theft is one of the most common kinds of crime. Harr Toyota’s Anti-Theft Program will protect your vehicle as well as theft from valuable items kept inside of it. Using valuable tools such as a GPS retrieval system, guide point or Low Jack, your vehicle will be thoroughly protected from theft of any kind.

Harr Toyota is proud to offer these benefits and programs to all our customers. To learn more about the benefits and programs above, please call 508-471-2555
Harr Toyota adheres to all legal/regulatory rules and understands that privacy is very important to customers. We’ll also run your credit, and based on your finances, stability and other factors, we can help you determine which lender and terms to go with.
Our goal is to help you find the best financing fit for you, and ensure that your vehicle is looking and working well, from delivery to the term in which you’ll own it.
Harr Toyota 42.2905574, -71.8034093.