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)
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
Save money and avoid the hassle of monthly payments by prepaying your lease in a single payment at signing. This single payment may be less than what you would pay over the life of a conventional lease.1
If you don't drive long distances, you could reduce monthly payments with a low-mileage lease. All new Toyota vehicles are eligible if driven less than 10,000 miles per year with 33-60 month lease terms.1
Reduce your monthly payments by making up to nine additional security deposits when you start your lease. The balance of any additional security deposits will be refunded to you5 at the end of your lease. The Multiple Security Deposit Program is available for New and Certified Toyota vehicles leased through Toyota Financial Services.1 This program is not available in New York.
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 Grad Program
We have a special program just for recent grads to help you get into a vehicle that will get you on to the rest of your life.
You've served our country. Let us serve you.
Toyota Financial Services offers special benefits to customers who have previously financed or leased a vehicle through TFS.
Save valuable time on financing so you can get back to business.
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 vehicle4. New vehicles may 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.6
At the end of your lease, you'll have the option to purchase your vehicle, lease another vehicle, or simply return your vehicle. You'll also need to research your options, look into getting an inspection, finalize your plans and prepare to turn in your vehicle. Learn more about end of lease options.
The lease maturity date is the date when your lease agreement ends. As your lease maturity date approaches, you will need to decide whether you plan to lease a new Toyota, purchase your current vehicle, or return your leased vehicle. Learn more about end of lease options.
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.
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.
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.
Please see your Toyota dealer for actual program parameters, terms, conditions and restrictions.
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.
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.