Finance & Insurance


Vehicle Service Agreement


Get protection for the road ahead. With the advanced technology in today's vehicles, repairs can be costly and are often unpredictable. Enjoy worry-free driving with a Vehicle Service Agreement. A Vehicle Service Agreement can help protect you against unexpected repair costs and significant out-of-pocket expenses that may be required after your manufacturer's warranty has expired. Vehicle Service Agreements are available in several mileage/term combinations and coverage levels to meet your budget and specific needs. Whether you need added protection for a newer vehicle, or you want affordable protection for a high-mileage vehicle, a Vehicle Service Agreement will keep you covered.


Tire & Wheel Protection


Protect your tires and wheels from the hazards of the road. No matter how carefully you drive, inevitably you will encounter glass, nails, debris, pesky potholes and other road hazards that can leave you with a tire or wheel in need of repair, or possibly replacement. With comprehensive Tire & Wheel Protection, you can travel the roads with a peace of mind knowing that your tires and wheels will be covered in the event of damage from eligible road hazards, while including emergency roadside assistance.


GAP Insurance


Your current auto insurance may not be enough if your vehicle is declared a total loss. Often times, the primary auto insurance settlement is based on the market value of the vehicle, which could be less than the balance still owed on your finance or lease contract.

Guaranteed Auto Protection (GAP) waives or pays the balance (minus certain fees and charges) between the amount still owed on your finance or lease contract and your auto insurance settlement.1

Total Loss Protection

If your car is declared a total loss through theft or accidental damage and you still owe more on your finance or lease contract, GAP may reduce or even eliminate your remaining balance.

Deductible Coverage

Our GAP coverage will cover up to $1,000 of your auto insurance deductible (if applicable and permitted by state law).


Excess Wear & Use Protection


One less thing.

It's a lot more fun to be thinking about your next vehicle at the end of your lease. Thanks to Excess Wear & Use Protection you won't be worrying about how to pay for certain dents and dings when you turn in your vehicle.1

You'll Get:

  • Protection from qualifying excess wear and use charges at the end of your lease
  • Excellent product features and coverage, for example torn seats, body dents, etc.
  • High program limits:
  • Each single event valued at $1,000
  • Each missing part or equipment valued at $200
  • Up to a maximum of $5,000
  • A simple claim process:
  • No claims to submit
  • No deductibles to pay
  • No reimbursement to request

If you're financing your vehicle from a dealership in New York, please download and review our New York Excess Wear & Use Protection Plan brochure.

What You Need to Know

Under the terms of your Toyota Financial Services lease, you may be responsible for any wear and use damage that is considered excessive. However, the TFSExcess Wear & Use Protection Plan waives charges for qualifying damages (up to program limits) at lease-end.