SOUTHFIELD, Mich. — Through its captive finance arm, Toyota has been able to offer more loans and take more risks than its U.S. peers like General Motor and Ford, thanks to the automaker’s AA-credit rating and Toyota Financial Services’ $95 billion in assets, Bloomberg reports.  

The health of Toyota’s U.S. finance arm has allowed it to maintain no-interest loans and expand the use of low-cost leases to draw a wider range of customers. This week, Toyota Financial Services raised $1.5 billion selling 2 percent, five-year notes at a relative yield of 65 basis points.

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