Financial Services

Count on Toyota Financial Services to deliver the superior service and quality that you've come to know and expect from the Toyota family.

• Convenient one-stop shopping available at all Toyota Dealerships
• Fast credit approval
• Competitive rates and flexible terms
• Plain language, full disclosure contracts provide all the information you need

The decision to finance or lease a vehicle is often a matter of personal preference. You know that if you finance your vehicle, you own it and can enjoy all the benefits of ownership, but what about leasing? In order to help you decide which is best for you, here are a few things that you should know about financing, leasing and our extra care protection plan.

LEASING VS. FINANCING

Financing

When you park your Toyota in the driveway, you want the satisfaction of owning it and the confidence of knowing that it was made possible through the quality financial services that we provide. Financing from Toyota Financial Services will make it happen with:

• Competitive rates
• Flexible terms of up to 72 months
• Easy to read contracts that fully disclose all the details you need to know
• Consumer-friendly, simple interest financing
• Full or partial early repayments at any time without penalty
• Convenient, automatic monthly and twice a month payments through our Direct Payment Plan*

*Twice A Month Payment Plan available through Toyota Financial Services at the time of retail purchase, on approved credit for retail purchase finance transactions of qualifying new and used vehicles. The purchase finance monthly payment amount is divided by two gives you the payment you will make twice a month.

Leasing

Leasing is a great way to get into the Toyota of your choice. Toyota Financial Services (TFS) remains committed to helping you to do just that. Here's just a few of the benefits and advantages that leasing with TFS delivers.

Lower Rates, Lower Taxes

With a lease, you only pay for the portion of the vehicle that you actually use – so monthly payments are lower than for a loan for the same car and term. In addition, leasing rarely requires a down payment. And, you don't pay an upfront tax on the entire value of the vehicle – just on the monthly payment.

More Car, More Often

A lower monthly payment often means that you can get 'more car' for your money. In fact, many customers find they can lease a new vehicle for less than the finance payment on a used vehicle! And TFS can structure the lease to suit your trade cycle – so that you can drive 'new' more often.

Less Maintenance, More Protection

If you lease for a term that coincides with the length of the manufacturer's warranty, repairs will always be covered. In addition, leases automatically include Gap Protection – where, if your vehicle is damaged beyond repair, TFS will cover the difference between what you owe on the lease and the amount of your insurance settlement.

More Kilometres, Fewer Hassles

24,000 kilometres per year are included in your lease; and, you can buy additional kilometres up-front at a reduced rate. In addition, the trouble and expense of selling a used vehicle are eliminated. TFS assumes responsibility if you choose not to buy – and there's no acquisition or disposal fees if you return the vehicle within the lease terms.

Options not Obligations

At the end of your lease, you have the option to purchase the vehicle at the Lease End Value indicated in your contract; return the vehicle as provided in the lease; lease or finance another Toyota vehicle. It's your choice.

Competitive Rates, Flexible Terms

TFS offers competitive rates and flexible terms – all set out in plain language in a closed-end lease that discloses all details and guarantees the lease-end value of your chosen vehicle. TFS also offers convenient financing and great rates should you choose to purchase the vehicle at the end of your lease.

Extended Warranty

Toyota offers extended warranty contracts ranging from basic power train, to cover the major components such as engine, transmission and power train, to a full and comprehensive premium care coverage warranty blanketing not only major components, but electrical and high tech options. Toyota's Extended Warranties not only take out the cost factor, but also cover most substitute vehicle transportation while your vehicle is tied up and road side assistance to help out when you've run out of gas, have a flat tire or are just plain stuck on the side of the road.

Contact Hilltop Toyota today for more information about available warranty options.

Count the ways Extra Care Protection enhances your driving experience.

• Genuine Toyota parts
• Factory-trained Toyota technicians
• Assured, worry-free motoring
• Potential higher resale value
• Protects your budget against unexpected expenses
• Protects against the rising cost of vehicle repairs
• No deductible

With Extra Care Protection, your new Toyota has inflation-protected coverage from unexpected mechanical failure, road emergencies and much more. It is the affordable and cost effective way to guarantee your peace of mind and to protect your investment whether you buy or lease. ECP will enhance the quality experience of owning your new Toyota while helping to provide enhanced resale value in the future. Your choice of terms, with a wide range of kilometer limits to suit your driving needs, and service from over 1500 Toyota dealers across North America.

PLATINUM SHIELD