Toyota Finance & Lease Center in Oneonta

Empire 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.
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Should You Lease Your New Empire 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

Empire 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?

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Get Financed for Your Next Toyota at Our Dealership

If you are in the market for a Toyota, the folks at our dealership can help you get the financing you need. Whether you are looking to buy a Corolla or lease a Tundra, we'll help you understand exactly what you are getting into before you sign any loan or lease documents.

How We Help You Get Financing

Our goal is to get all of our customers approved for financing regardless of their credit score or history. Therefore, whether you have perfect credit or are looking to rebuild after a bankruptcy, we'll find a lender and loan terms that fit your needs and budget. If you are looking to lease, your credit score may determine the size of your security deposit and upfront costs. Essentially, leasing a car is a lot like leasing an apartment as you're simply paying for the use of the asset instead of acquiring it outright.

How to Value Your Trade and Apply for Financing

Valuing your trade is as easy as using our online tool or bringing your vehicle right to our location. Any positive equity that you have in your vehicle can be used as a down payment on a loan or to help defray the cost of your lease. Applying for financing is just as easy as all you need to do is answer a few simple questions and wait a few minutes for a loan decision.

Schedule an Appointment Online

If you are ready to buy or lease a Toyota, don't hesitate to come see us today. In addition to assistance with financing, we can also take time to answer any questions you might have about our available inventory and schedule a test drive of any vehicle that you're interested in acquiring.

Your privacy is important to us.

Empire 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. Empire Toyota

    6281 State Highway 23
    Oneonta, NY 13820

    • Sales: (607) 433-0045
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Get in Touch

  • Contact our Sales Department at: (607) 433-0045
  • Monday9:00AM - 6:00PM
  • Tuesday9:00AM - 6:00PM
  • Wednesday9:00AM - 6:00PM
  • Thursday9:00AM - 6:00PM
  • Friday9:00AM - 6:00PM
  • Saturday9:00AM - 3:00PM
  • SundayClosed