Toyota Finance Center

Heritage Toyota Owings Mills 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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Competitive Rates

No Hassle Credit Checks

Flexible Payments

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Should You Lease Your New Heritage Toyota Owings Mills 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

Heritage Toyota Owings Mills 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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Welcome to Our Financing Department

Welcome to Heritage Toyota Owings Mills' Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online Toyota loan calculator for an instant car loan rate. Then, proceed to our online Toyota finance application. If you're thinking about trading your current vehicle in for a brand new model, use our Toyota trade-in form to find out how much your car is worth. If you ave any questions, contact Heritage Toyota Owings Mills online or stop by to get started today!

Your privacy is important to us. Heritage Toyota Owings Mills takes your privacy seriously. Please click this link to read our privacy policy.


The Toyota Financial Services (TFS) iFi Program has been expanded to include ALL NEW Toyota models. To qualify for the Toyota iFi Program, you must be credit approved by TFS and meet all of the following criteria:

- 610 FICO score or above. Customers without a FICO score do not qualify.

- Zero Major Derogs defined as: Never been 90 DPD (or higher), No Charge-offs, Collections, Repossessions or Foreclosures ever. For example, if a customer has been 30-89 DPD, but never 90 DPD and meet all other qualifications, they could qualify for the program based on the DSSO's discretion on approving them for credit.

- Maximum Payment-to-Income Ratio (PIR) 20%.

- Full-Time Job held for at least six months.

- Three Personal and Verifiable References.

Note: The Primary and Co-buyer must meet all of the program parameters.

TFS reserves the right to terminate the program in whole or in part at any time

  1. Heritage Toyota Owings Mills

    9801 Reisterstown Road
    Owings Mills, MD 21117

    • Sales: (443) 213-0273
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Get in Touch

  • Contact our Sales Department at: (443) 213-0273
  • Monday9:00am - 9:00pm
  • Tuesday9:00am - 9:00pm
  • Wednesday9:00am - 9:00pm
  • Thursday9:00am - 9:00pm
  • Friday9:00am - 9:00pm
  • Saturday9:00am - 6:00pm
  • SundayClosed