Finance Centre

Unlock Your Toyota with Confidence


Discover leasing and financing solutions tailored to your needs, whether you’re looking for lower monthly payments, flexible terms, or the ability to drive the latest Toyota models. At Downtown Toyota, our finance centre is built around transparency and convenience, with clear programs like Lease Advantage and Wear Pass to keep your journey stress-free. No matter your budget or lifestyle, we’ll help you find a plan that makes sense, so you can focus on enjoying the road ahead with complete peace of mind.

Lease Advantage


Experience the ease and value of leasing through Toyota’s Lease Advantage program.

  • Flexible terms: Affordable leasing options ranging from 24 to 60 months put you behind the wheel of a new Toyota on your terms.
  • Lower monthly payments: Because you're helping cover depreciation, not full ownership. Your payments stay manageable.
  • Guaranteed Asset Protection (GAP): Included in every lease, if your vehicle is declared a total loss, GAP covers the difference between your insurance payout and what you owe.
  • Cost certainty & residual value: With a close-end lease, your end-of-term obligations are clear. Higher residual values mean less depreciation, and potentially lower lease payments.
  • Tax & business advantages: Leasing can offer tax-efficient benefits for business owners. Be sure to consult your advisor.
  • Drive the latest features: Lease periodically to enjoy updated safety, fuel efficiency, and tech upgrades.

Wear Pass


Protect your lease from costly surprises with Toyota’s Wear Pass. This plan covers up to $4,000 in excess wear-and-tear charges at lease end, so you can return your vehicle with confidence and peace of mind.

What’s included:

  • Exterior: dents, scratches, chips, cracks on body panels
  • Interior: cuts, tears, stains, and burn marks
  • Wheels & tires: rim scrapes and worn tires
  • Glass: cracked or chipped windshields and windows
  • Mileage: up to 1,000 km over your allowance
  • Small repairs: covered up to $1,000 each

Why choose Wear Pass?

  • Keeps lease-end costs predictable and stress-free
  • Saves time by avoiding unexpected inspection charges
  • Affordable protection—typically around $14–18/month, depending on model and term

With Wear Pass, you return your Toyota confidently, knowing everyday wear-and-tear won’t come back as a surprise bill.

Why Choose Us?


Transparent options


Clearly laid-out Lease Advantage and Wear Pass program details help you make informed decisions.

Comprehensive protection


Lease Advantage keeps payments manageable, while Wear Pass protects you from unexpected lease-end costs.

Effortless Access


Apply, estimate payments, or contact our finance team—keeping the process simple and straightforward.

Upfront Pricing

At Downtown Toyota, our Upfront Pricing ensures full transparency and competitive value from the start. What you see is what you pay — simple, honest, and hassle-free.

Contact Us

Downtown Toyota prides itself on providing a world-class experience, from our award-winning staff to our stunning showroom and facilities.