Toyota Financing & Leasing in Hamilton, ON

Our Finance Department at Upper James Toyota

Our mission here at Upper James Toyota is to help you purchase the Toyota of your dreams as easily as possible. The financial side of a vehicle purchase can often be a confusing and complicated process for the typical buyer, but with our simple financial services we’ll walk you through every step, and help you make the best decision for your needs and lifestyle. Whether it’s financing or leasing you’re stuck between, you’re wondering how your credit affects the purchase, or how we work to get you the best rates possible, our finance team is here to help. Read on to learn more, then contact us to apply for financing, today.

How to Get More Money for Your Trade-In

Trading In Vs. Selling Your Vehicle

Financing vs. Leasing

There are pros and cons that come with both financing and leasing, and at the end of the day the decision on which one is right for you largely depends on what you’re looking to get out of your vehicle, now and in the future.

When Financing is Right For You

Financing provides flexible terms of up to 84 months (on small or big terms), with straight-forward interest financing, competitive rates and knowing that you’re driving one of the most dependable vehicle brands on the market.

  • You’re someone who is looking to put a lot of mileage on your new Toyota
  • If you’re looking to eventually own your vehicle outright
  • If the vehicle you want to buy is solely going to be used as a personal vehicle (ie. not for commercial use)

When Leasing is Right For You

Lease terms stretch from 24 to 60 months, allowing you to perfectly adapt said lease term to the changes in your life. A Wear Pass and Wear Plus Plan allows for optional additional protection. 16,000, 20,000 or 24,000 km allowances let you pick your designated mileage mark. 

  • If want lower payments
  • If you like to upgrade to ethe latest models more often
  • If you feel better with a shorter commitment to your vehicle


We Can Help No Matter Your Credit

People often worry that if they’re currently in a tough credit situation that it means they won’t be able to purchase a new Toyota. That’s simply not the case here at Upper James Toyota, where no matter your credit score we’ll work with you and your budget to find a Toyota and payment plan that fits within your needs. That’s right, bad credit, no credit, whatever it may be, trust in our Upper James Toyota finance team to get you out on the road in a Toyota you truly love, and which you can afford.



Preferred Rates from Your Bank

We here at Upper James Toyota always work to get you the best preferred rates from your bank. Our finance team has been doing this a long time, and has developed relationships with the best banks and lenders in the area, ensuring you receive the best rates on your new Toyota. We’re your one-stop shop for the best rates thanks to the work of our finance experts and with top bank reps on site. The banks we work with include:

  • CIBC
  • TD Canada Trust
  • Scotiabank
  • BMO
  • RBC
  • Desjardins
  • National

Apply For Financing at Upper James Toyota

We make the entire process easy when applying for financing here at Upper James Toyota. All it takes to get the ball rolling toward your next Toyota vehicle is by filling out the credit application form below. The personal information you enter will be protected thanks to the encrypted security of the form, but if you feel more comfortable dealing with one of our financial representatives in person instead, we’re more than happy to accommodate you. Contact our finance team, today, or fill out our form below to apply for financing now.