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The Freedom to Change.

The Toyota you want at a possibly lower monthly payment.

A new Toyota every few years without having to worry about selling or trading in your old one. Seem too good to be true? Toyota Financial Services offers flexible payment options and innovative lease programs designed to fit your budget and ever-changing lifestyle.

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.

Most lease customers pay less cash upfront and have lower monthly payments than they would with a finance contract. You may get 24-60 month lease terms on new Toyota and qualified Toyota Certified Vehicles. (Toyota Certified Used Vehicle terms depend on vehicle age).3 You'll even have the option to purchase your vehicle at lease end.

Your costs at lease signing could include:

  • Your first month's payment
  • An acquisition fee
  • A refundable security deposit
  • Taxes and other fees
  • A capitalized cost reduction (which is similar to a down payment)

Ready to apply?

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

Additional details you should know:

Your lease will also include a few requirements.

  • There are mileage limits calculated by dividing the number of months in the term by 12 and multiplying this amount by 15,000 (standard lease) or 12,000 (low mileage lease).1
  • If there's any damage beyond normal wear, an excessive wear and use fee may be collected. The Excess Wear & Use Protection Plan can help you avoid these fees.
  • A disposition fee will be applied at the end of your lease to help cover the costs to sell or dispose of your vehicle. We'll waive this fee for qualifying customers who lease or finance their next vehicle with TFS through a Toyota dealer.2
  • You can return your vehicle at any time. However, early termination charges may apply , which can be substantial.1

Other finance programs

Looking for more?

Here's more information and tools that you may find helpful.

  • Apply for credit

    Save time at the dealership by submitting an application for credit online in just a few steps.

  • Excess Wear and Use Protection Plan

    Keep your mind on your life and instead of worrying about how to pay for dents and dings when you turn in your vehicle.

  • College Rebate Program

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

  • Military Rebate

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

  • 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 financing so you can get back to business.

Have questions?

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

  1. This information will be disclosed in your lease agreement. If mileage limits are exceeded, you may be charged additional fees at the end of your lease See your lease agreement for details.

  2. Offer to waive the disposition fee for qualifying customers in good standing with TFS who purchase/lease a new or certified used Toyota or a new or L/Certified Lexus within 30 days of lease return and finance/lease with TFS/LFS.

  3. Finance, and lease products are available through participating Toyota dealers and Toyota Motor Credit Corporation and Toyota Motor Insurance Services, Inc. respectively. Finance products available on credit approval. Not all applicants will qualify. Programs may not be available in all areas. Programs are subject to change or termination at any time. Please see your Toyota dealer regarding finance terms, restrictions, state eligibility and program compatibility. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation and Toyota Motor Insurance Services, Inc.

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

  5. Refund will be less all remaining amounts due and owing under the lease including without limitation costs such as excess wear and use, excess mileage, or disposition fee.

  6. 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 Southeast Toyota Distributors, LLC 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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