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The Freedom of Ownership.

No mileage limits and no end of lease obligations. Just the open road.


Our financing plans can help you get on your way with a new Toyota. Our Rebate & Finance Programs may help you save on your purchase.

Still wondering whether to buy or lease?

With answers to just a few questions we can help find the right answer for you and your needs.

The dream team of your local Toyota dealer and Toyota Financial Services can help make financing your new Toyota clear and easy. All new Toyota Vehicles and Toyota Certified Used Vehicles from the last five model years are eligible. Contract terms for new vehicles are 24-72 months. Terms for Toyota Certified Used Vehicles will vary depending the vehicle's age.

Some factors that impact your monthly payment:

  • Selected vehicle
  • Annual Percentage Rate (APR)
  • Length of finance term
  • The amount of your down payment
  • The amount you finance

Looking for more?

Here's more information and helpful tools.

  • College Grad Program

    We have a special program just for recent grads to help you get into that vehicle that will get you on to the rest of your life.

  • Military Rebate

    You've served our country. Let us serve you.

  • Limited Credit Financing (iFi)

    Limited credit history? We may be able to help you get into a new car without a co-applicant.

  • Repeat Customers

    Toyota Financial Services offers special benefits to customers who have previously financed or leased a vehicle through TFS.

  • Business Solutions

    Save valuable time on vehicle financing so you can get back to business.

  • First Payment Deferral

    Eligible customers may choose to defer their first payment on all new and Certified Used Toyota financing for up to 90 days (up to 45 days in Pennsylvania). Interest will continue to accrue during the deferral period.The 90-day payment deferral1 program is available on new and certified retail Toyota vehicles purchased June 2, 2020 through July 6, 2020. Contact a local Toyota dealer near you.

  • Preferred Option (Balloon) Finance Plan

    If you live in Arkansas and Illinois, the TFS Preferred Option (Balloon) Finance Plan offers the benefits of lower monthly payments (with one large final "balloon" payment) compared to traditional retail financing, and the security of vehicle ownership.With our preferred option financing, monthly payments are generally lower than traditional financing since you do not pay the entire principal balance over the term of the loan. You are responsible for a large lump sum (balloon) payment of the remaining balance due at end of contract term.2 Click here to view the TFS Preferred Option Finance Plan brochure.  

Ready to apply?

Find out if you're prequalified in just a few steps.

Have questions?

We've heard them all. Here are some common questions and their answers.

  1. Available on approved credit through participating Toyota dealers and Toyota Financial Services (TFS). Not all applicants will qualify. You may defer the first retail payment for up to 90 days from the contract date (up to 45 days in Pennsylvania). The amount of interest you pay will increase because finance charges accrue from the contract date origination. Earned interest over the first 90 days will be paid as interest according to your amortization schedule and will not be waived or added to the principal. Available on new Toyota vehicles Toyota Certified Used Vehicles. Maximum term is 72 months. Individual dealer prices, other terms, and offers may vary. Void where prohibited. Not compatible with iFi program. See your participating Toyota dealer for details. Offered June 2, 2020 through July 6, 2020. Toyota Financial Services is a service mark used by Toyota Motor Credit Corporation.

  2. Please see your Toyota dealer for actual program parameters, terms, conditions and restrictions. Preferred Option Financing available on approved credit for qualified applicants.

  3. Please see your Toyota dealer for actual program parameters, terms, conditions and restrictions.

  4. Time or miles, whichever comes first. Warranty provided by Toyota Motor Sales, USA, Inc. In AL, FL, GA, NC and SC, the warranty is issued by JM Family Enterprises and warranty coverage differs. See your Toyota dealer for details. Program not available in Hawaii.

Contact your local dealer to learn about offers in your area.

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