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484-479-2404

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credit@
conicellitoyotaofspringfield.com

Map & Directions

ConicelliCredit.com is a division of Conicelli Toyota of Springfield located outside Philadelphia, Pennsylvania and is convenient to New Jersey, Delaware, and Maryland.

From Delaware/Maryland: take I-95 north to 476 near the Philadelphia airport. Go north on 476 to exit 3 (Swarthmore/Media). At the end of the ramp, turn right on Baltimore Pike. Go 1.3 miles up Baltimore Pike. You will see Conicelli on your left.

From Philadelphia, I-95: take I-95 south to I-476 (near the Philadelphia airport). Go north on 476 to exit 3 (Swarthmore/Media). At the end of the ramp, turn right on Baltimore Pike. Go 1.3 miles up Baltimore Pike. You will see Conicelli on your left.

From SW Philadelphia/ Lansdowne/Upper Darby: Take Baltimore Avenue south, through Clifton Heights. You will cross Route 420. When you cross 420, continue about 1/10 of a mile. You will see Conicelli at the top of the hill, on your right.

From Valley Forge: take 76 east to 476. Follow 476 South to exit 3 (Swarthmore/Media). At the end of the ramp, turn left on Baltimore Pike. Go 1.3 miles up Baltimore Pike. You will see Conicelli on your left.

From Kennett Square: Take Route 1 North to the Media Bypass. Stay to your right, on Baltimore Pike, heading toward Swarthmore. Continue on Baltimore Pike. When you pass the junction of 476, continue about 1.3 miles. You will see Conicelli on your left.
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Financing Language You Should Know

Agreement of Sale
Otherwise known as a sales or purchase agreement, this agreement basically states that the seller is selling and the buyer is buying under a specified set of terms. Both parties would then sign the contract.

Annual Percentage Rate (APR)
Often confused with interest rate, an APR supplies the cost of credit over the course of a year. It is supplied as a percentage taking into consideration the amount finance, any charges, and the term of the loan.

Certificate of Title
Is evidence of vehicle ownership issued by the Department of Motor Vehicles when it has confirmed said ownership. There is a fee to receive one based on state, taxes and other possible registration fees.

Cosigner
Another person who signs your loan and assumes equal responsibility for it. This usually comes into play when the original person applying for the loan does not have enough credit to take on the responsibility themselves.

Credit
Reputation for solvency and integrity entitling a person to be trusted in buying goods or borrowing money.

Credit Bureau
An agency that keeps your credit record.

Credit Scoring System
A statistical system used to rate credit applicants according to various characteristics relevant to creditworthiness.

Creditor
A lender to whom money is owed.

Creditworthiness
Past and future ability to repay debts.

Default
Failure to repay a loan or otherwise meet the terms of your credit agreement.

Delinquency
Failure to make payments on time.

Disclosures
Information about a vehicles history that is given to the consumer, such as accidents or repairs that has been done to the car.

Down Payment
The amount of money that is initially deposited to lower the amount financed.

Equal Credit Opportunity Act (ECOA)
Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs.

Finance Charge
The total dollar amount credit will cost.

Gross Monthly Income
The total amount the borrower earns per month, before any expenses are deducted.

Interest
A charge by the lender, expressed as a percentage of the total amount leant. The borrower pays this charge as payment for the loan.

Interest Rate
Expressed as a percentage of 100, the annual rate of interest on a loan.

Lessee
The person who signs a lead to have temporary use of a vehicle.

Lessor
The company that provides temporary use of a vehicle in return for periodic payment.

MSRP
Manufacturer's Suggested Retail Price. This is the recommended selling price for a vehicle, set by the manufacturer. Options added or removed from a vehicle effect this price.

Tax
Based upon the cost of the vehicle. Contributed to the government. Amount varies from state to state.

Term
For a loan this is the period of time between the beginning of the loan and the end date, at which time the balance of the loan would be due.

Title
A legal document that proves an individual’s ownership of property.

Verification of Employment
Written verification of your employment. Sent by your current employer, this may include your salary information, and your job description.

If you would like to contact us while you're waiting for your application to be processed, please feel free to give us a call at 484-479-2404 or email us at credit@conicellitoyotaofspringfield.com.