Towne Toyota Finance Center

Handle the Financing of your Next Vehicle with the Professionals at Towne Toyota


Just like your moments spent inside of our showroom searching for your next vehicle, you deserve professionalism on all levels when it comes to your dealership experience. That extends to the financing side of the equation here at Towne Toyota, with auto loan and lease experts that have you covered when it comes to how you plan on investing in your next daily driver.

Financing through our Dealership Keeps the Process in House for Maximum Convenience

From the beginning of when you choose your vehicle to the routine maintenance that you need months down the line, you can keep the entire automotive process right here at our dealership for a streamlined, seamless experience. This is because we offer professional financing that you can depend upon for the purchase or lease of a new Toyota model or pre-owned vehicle, with a team that works to secure low-interest options through our relationships with outside lenders. Fit your dream vehicle to a financing plan that is mindful of your budget, and feel good about the purchase or lease of the car that you have been eyeing from one of our lineups.

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Buying vs. Leasing: Which Finance Plan is Right for You?

Choosing your next vehicle is easy. Deciding how you want to finance it isn't always as straightforward. When you finance with the team at Towne Toyota, we offer two ways to drive away - buying and leasing. Both plans offer benefits suited for all kinds of drivers, and we're happy to help you explore the differences.

Drivers who are looking to drive longer distances and make customizations to their vehicle might prefer the benefits of buying. This finance plan allows you to own your vehicle outright after you pay it off, which provides you with the opportunity to change the paint color, features, and accessories that it comes with. You also don't have to worry about mileage limitations!

If you think a lease might be more your speed, you'll also find a few advantages that help you out! A lease typically offers lower monthly payments and is covered under the manufacturer's warranty when you need routine maintenance. You'll also generally get shorter term lengths, allowing you to upgrade sooner than you might if you were to buy

Good, Less-than-Ideal, or No Credit? We've Got You Covered!

Have questions on your credit? We're happy to help! Our finance experts can walk you through your loan and lease options, and we work with all credit backgrounds to ensure that you get a plan that works for your budget! We want you to feel like you have options, whether you have good credit, less-than-favorable credit, or even no credit at all!

We Cover Trade-in Values, Extend Toyota Warranties and Address all Questions


If you choose to trade in your current vehicle here at our dealership, we can get you an instant quote for a fair value that you can choose to apply towards your next down payment for lower monthly payments altogether. Warranty coverage through Toyota is also offered for peace of mind in your investment, with our team ready to answer some of the tough questions you may have in mind, such as whether to buy or lease.

Fill out our financing application today and get started on a lease or loan plan for your next Toyota model from the comfort of home. Reach out to our team with any questions you have! Not sure you want to make the trip to the dealership first? No problem! You can use our online financing application to explore new loan and lease deals and customize a payment plan that fits your preferences. It's easy and starts with the click of a button from the comfort of your home! Take the hassle out of shopping for your next vehicle today with Towne Toyota!

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  1. Towne Toyota

    1499 Route 46 W
    Ledgewood, NJ 07852

    • Sales: (973) 584-8100
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Get in Touch

  • Contact our Sales Department at: (973) 584-8100
  • Monday9:00 AM - 8:00PM
  • Tuesday9:00 AM - 8:00PM
  • Wednesday9:00 AM - 8:00PM
  • Thursday9:00 AM - 8:00PM
  • Friday9:00 AM - 8:00PM
  • Saturday9:00 AM - 6:00PM
  • SundayClosed (Shop Online 24/7)