Financing Vs. Leasing

What do you want from a financing plan? We all have unique priorities-both in cars and in finances. When choosing between leasing vs. financing, what's right for one person might be totally wrong for another.


Financing is a great choice if you want to have full-ownership over your vehicle, drive higher mileage or want to be payment free after paying your loan.

Financing is the best option for you if:

Put a lot of mileage on your vehicle.

Want to own your vehicle outright.

Use your vehicle for commercial purposes.

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Flexible terms

With terms of up to 84 months, your monthly payment can be made smaller with longer terms, or you can make sure you are always behind a new Toyota with shorter ones.

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Consumer-Friendly, Simple Interest Financing

Payments are calculated easier with a simple concept. If you pay a day early, you are credited for a day's interest. If you pay a day late, you pay a day's interest.

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Competitive Rates

Great value means that Toyota always strives to offer financing rates that go easy on your wallet.

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The Value of Financing a Quality Vehicle

Toyota vehicles are world renowned for their longevity. Financing a new Toyota can be a cost effective option for anyone looking to drive their vehicle for a long time.


Leasing your vehicle is a great choice if you want lower payments or want to drive new models regularly with the latest tech and features.

Leasing is a great option if you:

Want lower monthly payments.

Like driving a new car more often.

Would like a short term commitment.

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Flexible Options

With available flexible lease-terms from 24-60 months, you can better plan for life's changing needs. Get in a new vehicle for your new job or expanding family, while staying on top of the latest vehicle safety, fuel efficiency, and user-convenient technologies.

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Peace of Mind

Toyota Protects you from the things you can't control. Optional with every lease is the Wear Pass Plan that protects against unexpected excess wear & tear.

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Kilometre Allowance

Choose from 16,000, 20,000, and 24,000km allowances. With the standard 24,000km plan, you have the option of purchasing extra kilometres at a reduced rate up front. If you are not sure, you can buy extra kilometres at lease end at our standard rate.

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Benefits for Small Business Owners

Leasing may offer significant tax advantages in Canada to business owners. Check with your tax advisor to see if leasing benefits you. After all, you own it to yourself to arrive at every meeting in style.

What happens at the end of my lease?

You have 3 options when your lease term ends:



You can lease or finance another Toyota vehicle.



You can purchase the vehicle at the Lease End Value indicated in your contract.



You can return the vehicle as provided in your lease.

Still not sure?

We have a team of finance experts who work with you to find the best option for your situation. Reach out with the contact information below for a complimentary, no-obligation consultation.

Contact the Finance Department

Phone: 403-932-9900


Apply for Financing

Start Your Application