Toyota Calgary Finance or Lease?

If you're in the market for a new vehicle, the question to lease or get a car loan will be pertinent in your decision making. Our finance experts at Country Hills Toyota in Calgary, AB are here to offer their advice to find the best options for you. Visit our Finance Department and Contact Us to get started with financing one of our new or used vehicles!

We want to make sure our customers make the smart decision when choosing how to finance their new 2022 Toyota RAV4 or a new Toyota Highlander, so our finance experts will go in detail about which finance option should work best for you, your needs, and your budget.

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 leasing.

Car Loan Financing

If you've gotten the chance to browse our available new Toyota model inventory, it might be hard to walk away from our lot without making a decision to take it home with you! If you are interested in full ownership of a powerful truck like the 2022 Toyota Tacoma on our lot in Calgary, AB, then purchasing the vehicle with a traditional car loan would be the option that works best for you. A traditional car loan will give you the ability to raise equity on the vehicle as you pay back the loan in payments that you negotiate with your bank, and at the end of your payment plan you will have full ownership of the vehicle. You are able to fully customize your vehicle with us, and we can do that for you if you bring it into our Service Department in Calgary, AB!

Financing Advantages

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 payments through our Direct Payment Plan
The biweekly loan payment option enables you to make your vehicle payments every two weeks instead of on a monthly basis. Contact us for details.

Lease Your Toyota in Calgary, AB

If you're a driver that likes to stay up to do with the latest technology available, then leasing one of our new Toyota models might be the best option for you. Leasing is a great way to get into the Toyota of your choice. A vehicle lease is an extended rental where you make affordable monthly payments rather than finance the full price. When you qualify for a Toyota lease, you will pay for the depreciation of the vehicle expected to occur with interest.

Toyota leases tend to be 24 -- 36 months long with a 10,000 -- 12,000 mile per year limit. Lease specifics will vary by the year and model you choose to lease. The disadvantage to leasing a vehicle is that at the end of your financing plan, you will have to return the vehicle to the dealership, but you will have the option to purchase the vehicle before walking away! 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.

Lease Advantages

Leasing typically provides for lower monthly payments and lower up-front costs than you would pay on a loan for the same vehicle
When you lease, you only pay tax on the monthly payment. When you finance, you pay taxes on the full purchase price of the vehicle
Leasing gives you choices at lease end:
- Toyota Guarantees the Future Value of your vehicle at lease end
- You may purchase the vehicle at the Guaranteed Future Value
- You may return the vehicle as provided in your lease
- You may lease or finance another Toyota vehicle
- Toyota Financial Services offers convenient financing and great rates should you choose to purchase the vehicle at the end of your lease.

Easy Online Credit Application

Fill out our easy Credit Application to see if you are pre-approved today!

Get Pre-Approved

Have any questions about financing? Feel free to Contact Us today!

Contatct Us

Protect yourself against unexpected excess wear and tear charges on your leased Toyota with the Wear Pass plan. Designed for protection against damage beyond what is considered normal everyday use, the Wear Pass plan ensures that you do not face extra charges at lease end. For details on what type of damage is covered and to answer any questions you may have on the Wear Pass plan, please contact your Toyota dealer. The Wear Pass plan is designed to provide peace of mind when leasing a vehicle, with the knowledge that you are protected.

Leasing Advantages with the Wear Pass Plan

No security deposit
Monthly or semi-monthly payment options to fit your budget
Standard or Low Kilometre Lease to match your lifestyle
Free first or last semi-monthly payment for qualifying customers & leases*

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.

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.

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.

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.

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.

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.

With the Low Kilometre Leasing option you can take advantage of a lower lease payment if you drive up to 20,000 kilometres per year.

Ready to get started?

If you think you're ready to get a step ahead in financing today then start by completing our online Credit Application. You can also use our Payment Calculator feature to get an estimate on your monthly payments for the Toyota of your dreams that you've laid your eyes on! Still have questions? Feel free to reach out to our Finance department. Contact Us online or give us a call at 403-290-1111 during operating hours, and our friendly staff will be ready to get started to helping you finance the right Toyota for you and your loved ones!

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