Finance & Lease
Tell me the vehicle and your budget. I'll show finance and lease payments side by side for the same car, at current Toyota rates, so you can compare properly.
Finance or lease?
Finance
You own the vehicle once it's paid off.
- No kilometre limits
- Build equity; sell or trade any time
- Customize it however you like
- Best if you drive a lot or keep cars for years
Lease
You pay for the part of the vehicle you use.
- Usually a lower monthly payment
- A new vehicle every few years, under warranty
- Option to buy it at the end
- Best if your kilometres are predictable
Rates, terms and incentives change monthly and depend on the model. All financing and leasing is on approved credit (OAC) through Toyota Financial Services or our bank partners.
Lease ending soon?
Text me three to six months before your end date. I'll compare returning it, buying it out and moving into a new Toyota, with real numbers for each, so there's no rush at the end.
Ask about my lease →Payment estimator
Monthly payment
$0
| HST (13%) | $0 |
|---|---|
| Amount financed | $0 |
| Total interest | $0 |
| Total of payments | $0 |
Estimate only. Excludes freight and PDI, dealer fees, licensing and any incentives. Your actual rate depends on the model, term and credit approval (OAC). Leasing is often lower; ask me for a lease quote.
How it works
Choose the vehicle
Or tell me your budget and I'll suggest options.
See both payments
Finance and lease for the same car, taxes included.
Get pre-approved
I send you a short credit application and handle it from there.
Sign & drive
Paperwork mostly done ahead of your pick-up.
Get payment options
First car? New to Canada?
Toyota Financial Services and our lenders have programs for first-time buyers, graduates and newcomers with limited Canadian credit history. Ask me first and I'll tell you honestly what's likely before you apply.
What to have ready
- Driver's licence
- Employment and income details
- Address history (past 3 years)
- Banking details for payments
- Proof of insurance before delivery
Questions? Text Kiarash directly.