Finance Center
at Umansky Toyota

When you finance a vehicle, you buy it outright with the help of an auto loan. You have to pay back the loan over a long period of time, but the vehicle belongs to you.

If you plan on keeping your vehicle for a long time, you should consider getting a loan. Our financing plans are flexible and can help you get into a new or used vehicle. With our terms, you can reduce your overall costs and start building equity in your vehicle. Don't miss out on this opportunity!

When you lease a vehicle, you don't take ownership of it. You pay to be able to drive it for the duration of the leasing period, usually between 24 and 48 months. When the leasing period ends, you can return it, swap it for a new vehicle to lease, or purchase it outright.

Leasing is a fantastic option for people who enjoy driving new cars and want to keep their monthly payments affordable. When your lease term ends, you have the opportunity to upgrade to a newer model, purchase it outright, or easily return it and move on.

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.

When deciding between leasing and buying a vehicle, it's important to consider your monthly budget and how you plan to use the vehicle. Leasing often offers a lower monthly payment, but keep in mind there are limitations on mileage and customization. However, with a loan, you may have a higher payment, but you'll be building equity and ultimately spending less in the long run.

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.