Financing with Our Dealership

TJ 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 TJ 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

TJ 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?

Welcome to Our Financing Department

Welcome to TJ Toyota's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. TJ Toyota has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Interested in a new Toyota? Check out the current special incentives from Toyota Financial Services.

Your privacy is important to us.

TJ 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. TJ Toyota

    6706 State Hwy 56
    PO Box 5208
    Potsdam, NY 13676

    • Sales: (315) 265-3350
Loading Map...

Get in Touch

  • Contact our Sales Department at: (315) 265-3350
  • Monday8:00 AM - 6:00 PM
  • Tuesday8:00 AM - 6:00 PM
  • Wednesday8:00 AM - 6:00 PM
  • Thursday8:00 AM - 6:00 PM
  • Friday8:00 AM - 6:00 PM
  • Saturday8:00 AM - 2:00 PM
  • SundayClosed