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Auto Loans & Car Financing



Concord, CA Car Loans - Concord Toyota

Welcome to the Concord Toyota Car Loan and Auto Finance Center for Concord car loans and lease programs.

Here's what our Finance Department does for You!

  • Complete required forms and contracts that protect your interests;
  • Process titles and transfer plates;
  • Keep information secure and private;
  • Pass along manufacturer information regarding your purchase;
  • Process taxes and rebates on your purchase;
  • Keep important records of your vehicle;
  • Trained staff to carry out laws to protect you;
  • Maintain professionalism to ensure quality service;
  • Keep you informed of your rights and obligations;
  • Check vehicle history, titles and safety;
  • Set industry standards with the highest regard to honesty and ethics.

Use our online finance application to get a quick and accurate response on financing for your next new or used car. Bad credit doesn't matter to us; we'll do whatever it takes to put you in that new Toyota in the Bay Area. Your financing information is sent securely in an encrypted format, and we'll get back to you in as little as a day's time to complete the process.

Concord Toyota has everything you need to make your next vehicle purchase a great experience.. From an array of affordable car loan options for our the Bay Area customers, to new Toyotas, used cars in the Bay Area, and assorted financial services and products to protect your investment, we've got you covered.

Here's what you need to bring to ensure a speedy and trouble free delivery!

  • Title for your trade if lien is satisfied;
  • Insurance carrier/agent information;
  • Current vehicle registration;
  • Valid driver's license;
  • Down payment.

To contact us directly, simply fill out the form below!

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Contact Information

Contact Information

Concord Toyota

1090 Concord Avenue

Concord, CA 94520
sales Sales:
866-981-2451
phone2 Service:
888-529-9568
phone3 Parts:
888-529-9558

Finance FAQ

Check out our online finance FAQ section for important information regarding car lease and loan characteristics.

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Tip!

Loan payments contribute to the eventual ownership of a vehicle, while lease payments apply only to the short-term use of a car.

Tip!

Owning a lease vehicle is possible if purchased outright after the lease period ends.

A typical lease period runs between 24 and 48 months.

Tip!

Three important factors - adjusted capitalized cost, residual value and the money factor - determine the monthly rate of a lease.

Tip!

Closed-end leases set a fixed residual buy price at the beginning of the term, while open-end deals base the final buy price on a vehicle's actual market value at the end of a lease.

Tip!

Pay more money down initially to reduce monthly loan payments. Otherwise, a typical down payment ranges between 10 to 20 percent of the total cost.

Tip!

Many used vehicles require down payments of at least 20 percent and include interest rates between 9 to 10 percent.

Tip!

Lease agreements usually limit mileage from 12,000 to 15,000 miles annually. Beyond these figures, fees in the range of $0.10 to $0.25 per mile begin to accumulate.

If you plan on customizing your vehicle, you need to finance with a loan. Leased vehicles must be returned under factory specification.