Vehicle Financing

Birchwood Toyota provides many financial options that help you to get behind the wheel of a new or pre-owned vehicle. From Toyota Financial Services to Birchwood Credit Solutions, we have the vehicle financing option that’s right for you.

Financing options for many needs and credit ratings

Bad Credit Car Loans

Get Pre-Approved

With Birchwood Toyota, getting vehicle financing is easy. Start the application process by getting pre-approved online

Available Financing Promotions

It's Time to Toyota
Finance from 0.49% + Get Toyota Safety Sense™ 2.0 at no extra cost on our most popular models.
Offer ends on Nov 30.
Receive up to $2,500 back on Prius Prime
Receive up to $2,500 in government incentives on Toyota Prius Prime

Types of Vehicle Loans

Toyota Financial Services

Financing a Toyota through Toyota Financial Services is a great option if you put a lot of mileage on your vehicle, want to own your vehicle outright, or use your vehicle for commercial purposes.

With flexible terms of up to 84-months, Birchwood Toyota is able to customize your payment to be smaller with a longer term. Additionally, Toyota’s Simple Interest Financing means making payments on time or early has benefits.

Bank Loans

Through its relationships with Canadian banks, Birchwood is able to offer automotive financing on new and pre-owned vehicles through bank loans. Bank loans are similar to manufacturer loans in that they can be put towards the purchase price of a vehicle and are available to approved borrowers with different terms such as payment schedule and term, but are usually applied to pre-owned vehicles. Bank loans usually have the benefit that they can be paid off early in-full at any time, and carry the advantage that once the loan is paid off, the vehicle is yours to keep, trade or sell.

Birchwood Credit

Sometimes, challenges in life can make owning a vehicle difficult. If your credit has been impacted negatively by things such as unexpected expenses or divorce, it’s possible that vehicle ownership has been made difficult by rejection for credit on a conventional vehicle loan. In these scenarios, make sure to speak with Birchwood Credit. Unlike other automotive dealerships who will often sell your information to an outside loan provider in alternative credit situations, Birchwood provides credit itself, meaning you get credit from someone who’s credible. Birchwood Credit’s process is fast with an easy application and no obligation.

Leasing a Toyota

Effective Car Leasing Options from Toyota Financial Services

Leasing is a great option for owning a new vehicle if you want lower monthly payments, like driving a newer car more often, and/or would like a short term commitment. Toyota Financial Services provides flexible lease terms of between 24-60 months, as well as yearly kilometre allowances from 16,000km up to 24,000km.

Trade-In Your Vehicle with Birchwood Toyota

Trading in your current vehicle can significantly decrease the payments on your new or pre-owned vehicle from Birchwood Toyota. Get an instant Trade-In valuation today!

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