Toyota Finance Center | San Diego

Kearny Mesa 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.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New Kearny Mesa 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

Kearny Mesa 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

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.
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For this reason, Kearny Mesa Toyota makes the financing process as easy as possible. We offer expert financing help so that drivers near San Diego can comfortably afford the Toyota Camry, Corolla Hybrid, RAV4, Prius Prime or Highlander that suits them best. Our finance team works with drivers from San Diego, Toyota Camry, Corolla Hybrid, RAV4, Prius Prime and Highlander to find you affordable leases and loans that take into account your unique needs.

Loan or Lease? The Kearny Mesa Toyota Team Helps You Choose

With the expert guidance of our finance team, drivers across San Diego find the perfect loan or lease for their budgets. Whether you prefer a lower monthly payment and the ability to trade up every couple of years with a new-vehicle lease, or you prefer the freedom to drive as many miles as you want and keep your vehicle for a long time with a loan and purchase agreement, we want to help. Unsure which of these financing deals is right for you? We'll walk you through each one step by step and, together, we can find the best route for you to get the new vehicle you need.

Save Time by Getting Pre-Approved for Financing

Time is valuable, and no one likes spending it just waiting around. We know you're busy and that's why we provide opportunities to streamline the car-buying process wherever possible. Before your visit, take some time to fill out our online credit application so you can get pre-approved before you come in. That way you can avoid a long wait in front of one of our desks and will have more time behind the wheel of your new ride.

Your privacy is important to us.

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

The Right Auto Financing Options at Kearny Mesa Toyota for the Right Toyota Camry, Corolla Hybrid, RAV4, Prius Prime or Highlander

Exploring the features of your dream Toyota model is the fun part, but finding an auto lease or car loan can quickly become a hassle.

  1. Kearny Mesa Toyota

    4910 Kearny Mesa Road
    San Diego, CA 92111

    • Sales: 858-413-9625
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Get in Touch

  • Contact our Sales Department at: 858-413-9625
  • Monday8:30 AM - 8:00 PM
  • Tuesday8:30 AM - 8:00 PM
  • Wednesday8:30 AM - 8:00 PM
  • Thursday8:30 AM - 8:00 PM (Closed for Thanksgiving)
  • Friday8:30 AM - 8:00 PM
  • Saturday8:30 AM - 8:00 PM
  • Sunday10:00 AM - 7:00 PM