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What happens after my application is received?

After you submit your application, our credit analysts review it and make a decision. If you are approved, we notify you via email within one business day. The email has a pre-approval certificate embedded in it that is valid for 30 days from the date it was issued. You can use it at the Lexus dealer of your choice or at any participating Lexus dealer. Your selected dealer may also contact you to schedule an appointment to discuss your financing needs.

In some cases, LFS and your dealer may need more time to finalize a credit decision. If you are not approved within one business day, your dealer may contact you with details on the status of your application. You should receive a final credit decision from us within three business days.

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