Own a Lexus
You have arrived.
We offer a variety of finance terms to help fit your needs.1
Between your local Lexus dealer and Lexus Financial Services we'll help make financing your new vehicle nice and easy, whether new or L/Certified by Lexus. See your Lexus dealer for details.
Looking for more?
Here's some additional information and helpful tools.
Apply for credit
Save time at the dealership by submitting an application for credit online in just a few steps.
College Graduate Program
We have a special program just for recent grads to help you get into a vehicle that will get you on to the rest of your life.
Military Reward Program
You've served our country. Let us serve you.
Lexus Financial Services offers special benefits to customers who have previously financed or leased a vehicle through LFS.
Save valuable time on vehicle financing so you can get back to business.
First Payment Deferral
Eligible customers may choose to defer their first payment on L/Certified vehicle financing for up to 90 days (up to 45 days in Pennsylvania). Interest will continue to accrue during the deferral period. The 90-day payment deferral2 program is available on certified retail Lexus vehicles purchased through August 3, 2020. Contact a local Lexus dealer near you.
Preferred Option (Balloon) Finance Plan
If you live in Arkansas and Illinois, the LFS Preferred Option (Balloon) Finance Plan offers the benefits of lower monthly payments (with one large final "balloon" payment) compared to traditional retail financing, and the security of vehicle ownership. With our preferred option financing, monthly payments are generally lower than traditional financing since you do not pay the entire principal balance over the term of the loan. You are responsible for a large lump sum (balloon) payment of the remaining balance due at end of contract term.3 Click here to view the LFS Preferred Option Finance Plan brochure.
We've heard them all. Here are some common questions and their answers.
You can get standard new car financing rates and lease terms on either type of vehicle.1 New vehicles may have more warranty coverage. L/Certified by Lexus vehicles may cost less than their new counterparts. Either type of vehicle will offer the great Lexus experience you've come to expect.
There are a few things that factor into how finance charges are calculated. On a simple interest contract, finance charges are calculated based on the unpaid principal balance of the contract. As each payment is made, the payment amount is applied toward the finance charges that have accrued since the last payment was received. The remaining portion of the payment is applied in accordance with the terms of your contract. Finance charges accrue daily based on the unpaid principle balance. See a more detailed answer with examples.
On approved credit. Certain restrictions may apply and not all customers will qualify. See your participating Lexus dealer for additional information.
Available on approved credit through participating Lexus dealers and Lexus Financial Services (LFS). Not all applicants will qualify. You may defer the first retail payment for up to 90 days from the contract date (up to 45 days in Pennsylvania). The amount of interest you pay will increase because finance charges accrue from the contract date origination. Earned interest over the first 90 days will be paid as interest according to your amortization schedule and will not be waived or added to the principal. Available on Lexus Certified vehicles. Maximum term is 72 months. Individual dealer prices, other terms, and offers may vary. Void where prohibited. See your participating Lexus dealer for details. Available through August 3, 2020. Lexus Financial Services is a division of Toyota Motor Credit Corporation.
Please see your Lexus dealer for actual program parameters, terms, conditions and restrictions. Preferred Option Financing available on approved credit for qualified applicants.