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.
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.
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.
Toyota Financial Services offers special benefits to customers who have previously financed or leased a vehicle through TFS.
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.
We've heard them all. Here are some common questions and their answers.
You can get standard new car financing rates and lease terms on either type of vehicle.3 New vehicles have more warranty coverage. Certified Used Vehicles may cost less than their new counterparts. Either type will offer the great Toyota value you've come to expect. With a Toyota Certified Used Vehicle you'll get a full history report, a 160-point Quality Assurance inspection, comprehensive warranties and a year of 24-hour Roadside Assistance based on the date of your purchase or lease.4
There are a few things that factor into how finance charges are calculated. On a simple interest contract, finance charges are calculated based on the unpaid principal balance of the contract. As each payment is made, the payment amount is applied toward the finance charges that have accrued since the last payment was received. The remaining portion of the payment is applied in accordance with the terms of your contract. Finance charges accrue daily based on the unpaid principle balance. See a more detailed answer with examples.
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.
Please see your Toyota dealer for actual program parameters, terms, conditions and restrictions. Preferred Option Financing available on approved credit for qualified applicants.
Please see your Toyota dealer for actual program parameters, terms, conditions and restrictions.
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.