Financing with Our Dealership

Lodi Toyota 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.
Start Your Application Today!

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

More About of

Should You Lease Your New Lodi Toyota 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

Lodi Toyota 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?

The following section(s) display custom content from the legacy version of this page and are for reference only. Please review the content and migrate it as necessary. When completed, hide each of these sections (including the one this message is in). Deleting any of them will prevent this page from receiving future updates from DDC.

Let the Finance Center at Lodi Toyota be Your Guide to the Perfect Deal

Whether you choose a brand-new Toyota model from our collection or one of our top-quality, used car, truck or SUV models, you can count on the team in our finance center to help you navigate the world of auto financing. We work with your specific needs and budget to find the payment plan you like, and we work with a number of financial institutions and banks throughout the Stockton CA, Elk Grove CA and Tracy CA area, to guide our customers to the perfect deal they can live with, every time.

Which Auto Financing Options Fit You Best?

There are two main options to pick from when considering your financing options taking out a loan or signing a lease. Each has their pros, so it's really up to you to decide which is the right path forward. For example, with a loan, you own the car at the end and build equity, but with a lease, you have a lower payment and an easier time upgrading when you turn it in. Whichever you choose, we can provide you with the information you need to make an informed decision.

Let the Lodi Toyota Finance Team Work for You

Crunching numbers and reworking budgets can be the less-than-fun part of buying a new vehicle. But, the expert guidance of our finance center can help put the joy, and the ease, back into the process. Get started on your journey towards a new vehicle soon by filling out our convenient, online finance application. We'll work with you every step of the way and answer any questions you have.

Your privacy is important to us.

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

  1. Lodi Toyota

    1020 S. Beckman Rd
    Lodi, CA 95240

    • Sales: 209-642-4022
Loading Map...

Get in Touch

  • Contact our Sales Department at: 209-642-4022
  • Monday9:00am- 8:00pm
  • Tuesday9:00am- 8:00pm
  • Wednesday9:00am- 8:00pm
  • Thursday9:00am- 8:00pm
  • Friday9:00am- 8:00pm
  • Saturday9:00am- 8:00pm
  • Sunday10:00am- 7:00pm