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Own a Lexus

You have arrived.


We offer a variety of finance terms to help fit your needs.1

Still wondering whether to buy or lease?

 With answers to just a few questions we can help find the right answer for you and your needs.

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.

  • Repeat Customers

    Lexus Financial Services offers special benefits to customers who have previously financed or leased a vehicle through LFS.

  • Business solutions

    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.

Ready to apply?

Find out if you're prequalified in just a few steps. 

Have questions?

We've heard them all. Here are some common questions and their answers.

  1. On approved credit. Certain restrictions may apply and not all customers will qualify. See your participating Lexus dealer for additional information.

  2. 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.

  3. Please see your Lexus dealer for actual program parameters, terms, conditions and restrictions. Preferred Option Financing available on approved credit for qualified applicants.

Contact your local dealer to learn about offers in your area.

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