Questions about TFS vs SETF

Ask the Hackrs Buy/Finance
,
1

Im originally from SoCal and always dealt with TFS and have had nothing but a pleasant experience. Im now in GA and hear i’ll be dealing with SETF and am reading horror stories online.

I have a few questions:

1.) Does any of my TFS credit history get factored into my new relationship with SETF?
2.) Do i have the option of using TFS thru a dealer in this region?
3.) What state near me does use TFS?

Most importantly:

4.) Is it true if I lease thru SETF I cannot private sell my lease at lease end, or trade it in at a non-toyota dealership? (To me that sounds CRAZY, my options in socal with TFS were: Turn it in, trade it in (anywhere), private sale it, or buy it out).

Thank you in advance!

2
  1. Yes and No because every auto loan history gets factored in
  2. No
  3. Mississippi or Tennessee
  4. Yes
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3

I know you can buy a Toyota from outside the SE Toyota region even if you live in a SE Toyota state.

If you lease a Toyota from a dealer outside the SETD region, can they use TFS to lease instead of SETF? For example, can a GA resident go to a TN dealer and lease a vehicle using TFS?

4

Yes, they can.

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