Access exclusive rates and offers built specifically for Toyota buyers and lessees.
From application to approval, complete your financing at the dealership in just one stop.
Choose from loan and lease programs designed to meet a range of credit profiles and budgets.
Returning customers enjoy added savings, special protections, and personalized support.
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Finance Your Toyota with a Standard Purchase Plan+
A traditional loan from Toyota Financial Services gives you a clear path to ownership. With fixed monthly payments over 24 to 72 months, you build equity in your vehicle while enjoying predictable costs.
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Lease a Toyota and Upgrade More Often+
Toyota Financial Services makes leasing a smart choice if you enjoy driving a newer model every few years. Lease terms typically span 24 to 60 months, and you pay only for the portion of the vehicle’s value you actually use—often with lower monthly costs than buying.
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Finance a Toyota Certified Used Vehicle (TCUV)+
Toyota’s Certified Used Vehicles come with added confidence. Each TCUV undergoes a 160-point inspection, includes a factory-backed warranty, and features one year of roadside assistance—making it a dependable and affordable way to drive a quality used Toyota.
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$500 Rebates for Graduates and Military Members+
Toyota Financial Services offers $500 rebates for eligible U.S. college graduates and military personnel. Recent or upcoming grads can qualify when financing or leasing through TFS. Active duty and retired military members—and their families—are also eligible for this exclusive thank-you offer.
Explore flexible Toyota financing tailored to your lifestyle and credit profile.
Why Choose Toyota Financial Services?
Toyota Financial Services (TFS) is one of the most trusted captive lenders in North America, supporting new, certified pre-owned (CPO), and lease customers with exclusive programs. With strong dealership support and national promotions, TFS offers customized terms and rebates based on your eligibility.
Key Benefits of Toyota Financing
- APR from 1.99% on select models like Corolla, Camry, and RAV4
- College Graduate and Military Rebates ($500 each)
- Lease loyalty incentives with waived fees or bonus cash
- Certified Pre-Owned financing with warranty and inspection coverage
- Online prequalification without credit score impact
- Flexible terms up to 72 months on most loans
- Bundle insurance, protection, and maintenance into your loan
- Mobile access to billing, payoff quotes, and auto-pay setup
- End-of-lease buyout financing directly through TFS
- Balloon financing options available for select models to reduce monthly payments
Types of Auto Financing Available
- New Toyota Loan
Fixed-rate financing up to 72 months with special APR promos on models like the Camry, Tacoma, and Highlander. Toyota often provides regional APR specials tied to dealership promotions. - Certified Pre-Owned Toyota Loan
Competitive rates for 160-point-inspected CPO models, including extended warranty and 12-month roadside assistance. Available for vehicles up to 6 years old and under 85,000 miles. - Toyota Lease Program
Lower monthly payments with terms from 24 to 39 months. Includes mileage customization, GAP insurance, and optional wear-and-tear coverage. - Lease-End Buyout Loan
Finance your leased vehicle to keep it long-term. Commonly used on Corolla, RAV4, and Prius models. Loyalty cash may apply when financing a lease-end vehicle. - Refinance Through TFS Partner Dealers
For current or new Toyota customers. Rate reduction or payment adjustments based on credit and term. Some dealers offer direct refinance incentives.
Toyota FS vs Other Lenders
| Feature | Toyota FS | Honda FS | Capital One |
|---|---|---|---|
| College & Military Rebates | ✅ ($500) | ✅ | ❌ |
| CPO Vehicle Financing | ✅ | ✅ | ✅ |
| Online Prequalification | ✅ | Limited | ✅ |
| Lease-End Purchase Option | ✅ | ✅ | ✅ |
| 0% APR Offers | ✅ (Limited) | ✅ | ❌ |
| Loyalty & Lease Incentives | ✅ | ✅ | ❌ |
| Balloon Loan Option | ✅ | ❌ | ❌ |
Loan Simulations
New 2024 Toyota Camry
- Price: $28,000
- Down Payment: $3,500
- Financed: $24,500
- Term: 60 months
- APR: 2.49%
- Monthly Payment: ~$437
- Total Interest: ~$1,720
CPO 2021 Toyota RAV4
- Price: $24,000
- Down Payment: $3,000
- Financed: $21,000
- Term: 60 months
- APR: 3.79%
- Monthly Payment: ~$386
- Total Interest: ~$2,160
Lease-End Buyout – 2020 Corolla
- Residual Value: $14,500
- Down Payment: $2,500
- Financed: $12,000
- Term: 48 months
- APR: 4.59%
- Monthly Payment: ~$274
- Total Interest: ~$1,160
Balloon Loan Example – 2023 Prius
- Price: $27,000
- Down Payment: $4,000
- Financed: $23,000
- Term: 48 months
- Monthly Payment: ~$290 (Balloon: $8,000)
- Effective APR: 3.25%
Want to know how to combine rebates and loyalty bonuses for a better rate?
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