Financing with Our Dealership

Toyota San Luis Obispo takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
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Should You Lease Your New Toyota San Luis Obispo Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Toyota San Luis Obispo can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

What's better, buying or leasing?

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Ready to begin?

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Welcome to Our Financing Department

At Toyota San Luis Obispo We Help You Secure Auto Financing

Once you've found the right car, truck or SUV, we'll take steps to finalize the transaction. That means helping with auto financing via our team of specialists who can find the right plans that suit the needs of a variety of drivers from San Luis Obispo, Paso Robles, Arroyo Grande, Baywood-Los Obos and Atascadero, and get you behind the wheel as soon as possible.

Don't know whether to lease or get a car loan? We'll help you out here at Toyota San Luis Obispo

Choosing between a lease and a car loan is a critical decision, but with the help of our finance team, we can make that decision simple for you here at Toyota San Luis Obispo. For example, if you're looking to switch up your ride every few years, you might want to lease one of the new Toyota models available at our dealership near SLO, Paso Robles, Arroyo Grande, Baywood-Los Obos and Atascadero. On the other hand, if you're the type that loves to drive your cars for the long haul, a car loan is undoubtedly the financing option for you.Whatever your choice, we'll make the process easy and streamlined for your convenience.

Ready to Learn More? Get Started with Us Today

Discovering your favorite new Toyota model is only part of the process, and our team here at Toyota San Luis Obispo is ready to help you take the next step. We're proud to serve all of our SLO, Paso Robles, Arroyo Grande, Baywood-Los Obos or Atascadero customers here in San Luis Obispo, and we see that your experience is complete with the highest level of service possible. Visit us today to get started toward finding the perfect new car, truck or SUV for your budget.

Your privacy is important to us.

Toyota San Luis Obispo takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Toyota San Luis Obispo

    12350 Los Osos Valley Rd
    San Luis Obispo, CA 93405

    • Sales: (805) 543-7001
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Get in Touch

  • Contact our Sales Department at: (805) 543-7001
  • Monday10:00AM-6:30PM
  • Tuesday10:00AM-6:30PM
  • Wednesday10:00AM-6:30PM
  • Thursday10:00AM-6:30PM
  • Friday10:00AM-6:30PM
  • Saturday10:00AM-6:30PM
  • Sunday11:00AM-5:30PM