Toyota Tells Mirai Owners to Stop Payments – Credit Scores Take a Hit
Bottom line: Toyota told Mirai owners to pause their lease payments, but the automaker failed to record the pause, causing three‑digit credit score drops for many drivers.
Toyota Tells Mirai Owners to Stop Payments – Credit Scores Take a Hit
Image: Toyota Tells Mirai Owners to Stop Payments – Credit Scores Take a Hit – Performance Comparison and Specifications
Design & Looks
The 2024 Toyota Mirai still looks like a sleek sedan with a futuristic edge. Its smooth lines hide a complex fuel‑cell stack under the hood. Owners love the quiet cabin and the subtle badge that signals it runs on hydrogen, not gasoline.
Performance & Mileage
Powered by a hydrogen fuel‑cell system, the Mirai delivers about 402 miles of EPA‑rated range. Acceleration feels effortless, and the electric motor provides instant torque. While the vehicle’s range isn’t the focus of this story, the fuel‑cell tech is what makes the Mirai a true zero‑emission car.
Price & Rivals
When it launched, the Mirai started around $60,000 before incentives. Competing models include the Hyundai Nexo and the Honda Clarity Fuel‑Cell, both priced in the same ballpark. The main advantage of the Mirai is Toyota’s extensive dealer network and brand trust.
| Engine | Mileage | Price | Top Features |
|---|---|---|---|
| Hydrogen fuel‑cell | ~402 miles (EPA) | Starting at $60,000 |
|
What Went Wrong with Payments?
Mirai owners report that Toyota sent a notice saying “pause your payments.” Unfortunately, the internal notes didn’t make it onto the finance system. As a result, the lenders treated the missed payments as defaults, slashing credit scores by 100‑200 points.
Many owners say they were confused and frustrated because they followed Toyota’s instructions to the letter. Some have already spoken to their banks, but the damage to credit reports can linger for years.
How to Fix the Issue
- Contact Toyota’s customer‑care line and request a written confirmation of the payment pause.
- Ask the lender to remove the late‑payment marks and provide a goodwill adjustment.
- Monitor credit reports with the three major bureaus and dispute any inaccurate entries.
FAQ
What is the Mirai’s EPA‑rated range?
The 2024 Mirai is rated at about 402 miles on a full hydrogen tank.
Can I still get tax incentives for a Mirai?
Yes, federal and many state incentives still apply to hydrogen fuel‑cell vehicles, though the exact amount varies by location.
Is the Mirai worth buying compared to other fuel‑cell cars?
If you have access to hydrogen stations and value Toyota’s reliability, the Mirai is a strong contender against the Hyundai Nexo and Honda Clarity.
Share Your Thoughts
If you own a Mirai or have been affected by this payment mix‑up, let us know in the comments below. Your experience could help others navigate the same problem.
Source: Read Official News
