Lexus Financial Services Auto Loan Review

Rating: 7.8 / 10 (Very good)
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Lexus Financial Services is Toyota's auto loan branch for Lexus, their line of luxury vehicles. Based in Texas, the company has been financing Lexus purchases and leases with flexible payment options for over two decades. They feature a variety of educational resources on their webpage to help potential customers choose the Lexus that's right for their needs and budget.

How is Lexus Financial Services rated?


Loan Options
Application & Service

Overall Rating: 7.8 / 10 (Very good)

Lexus Financial Services should definitely be considered as an option, when looking into purchasing a Lexus. They offer a wide variety of financing plans for both purchase and leases, and can offer competitive rates to qualifying borrowers. Bear in mind that their online application is for reference purposes only, and not necessarily an accurate representation of what you may qualify for.

Auto Loans & Refinancing

Loan Options - 8 / 10

Lexus Financial Services offers a variety of financing plans for both purchase and leases, with some tailored to recent college graduates, military, or repeat customers. They also have a preferred option finance plan, with low monthly payments, but a balloon lump sum at the end of the contract term. Their lease plans also include a business option.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Term Length
24 months
Max Term Length
48 months

Loan Qualifications

Qualification - 7 / 10

Lexus Financial Services requires the following information in order to apply for one of their Lexus loans: name, address, housing status, and social security number, as well as education, employment, and income. Though they don't specify the limits or minimums for age or income, as Lexus is a luxury brand, one can safely assume that their requirements are sure to be stringent.

Borrower Qualifications

Verification / Documents Required
Social Security Number
Driver's License / Photo ID
Employment Information / Pay Stubs
Proof of Citizenship / Residence

Application & Service

Application & Service - 8 / 10

Lexus Financial Services' application process is different from other lenders in that customers begin by choosing an automobile and inputting their zip code, and only then are they directed to an application form. Average approval and funding times aren't specified. Their online application tool's results can be misleading, as it assumes that potential borrowers have excellent credit histories. Customers are better served by applying at a local Lexus dealership, for an accurate quote.
Benefits/ Features
Online Rates / Application

Lexus Financial Services Reputation & Reviews

Reputation - 8 / 10

Lexus Financial Services is a division of Toyota, and therefore have no presence of their own on independent consumer review websites such as the Better Business Bureau and TrustPilot. The Toyota Motor Credit Corporation, however, is not BBB-accredited, and has an abysmal F rating with that organization.
Date Collected

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(310) 468-1310
Headquarters Address
19001 South Western Avenue, Torrance, CA, 90509

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