One Toyota of Oakland makes the auto financing process fast and easy to understand

At One Toyota of Oakland we love helping customers drive away in a new Toyota or quality pre-owned vehicle. A big part of that happens by working our magic and helping shoppers with auto financing, loans, and monthly plans! The finance team at our Oakland location is very knowledgeable and have great relationships with local and national lenders. We'll go to distance to ensure you can get around Hayward and beyond with a car, truck, or SUV that you love.

Financing Options

When considering financing options, you can choose to buy or lease a new vehicle or buy a used vehicle. Your personal driving habits, budget, and preferences are what help decide which option is best for you.

Benefits of leasing:

  • Only a three-year commitment
  • Lower monthly payment than if you were to buy new, which is good if you live in pricey San Francisco
  • You get to stay up to date with the newest technologies and looks
  • It's ideal for low mileage drivers who travel fewer than 12K miles a year

Benefits of buying:

  • You can customize your vehicle however you want
  • There are no restrictions on how much you can drive between Berkeley and the Bay Area and all around
  • You have a higher monthly payment, but once it's paid off you're financially free!
  • You can sell your vehicle through a private sell or bring it to us for a trade-in

You can play with our online calculator to get an idea of your budget. We also encourage you to fill out our online finance application. It's quick, safe, secure, and it'll tell you how much you're eligible for. It also saves time when you come into our dealership for a test drive!

Auto Loans

Most of our customers take out an auto loan to buy a new or used vehicle. As we mentioned earlier, we can partner with local lenders (like banks in the Bay Area) or Toyota Financial Services. We'll work hard to find you the best rate, and if you have a long and solid credit history with no issues then it's possible to get competitive interests rates. At the same time, we're also well-versed in working with shoppers who have poor credit scores or serious dings. If that sounds like you, don't worry. We'll do what we can to get you into a vehicle!

Along with helping to find you a great auto loan and financing rate, our team will also go over the paperwork and numbers, that way you understand what you're signing. Transparency is important to us and we want you to walk away confident about your choice and free from those "was that actually a good deal?" thoughts that might have come up in the past when working with more gimmicky businesses.

Trade-In Your Current Vehicle

If you already have a vehicle you're looking to get out of before you get into your next vehicle, a trade-in can lower your costs and thus your monthly payment. To get an idea of how much your vehicle is worth, check out our value your trade tool! Ours is powered by the reputable Kelley Blue Book, and just like the financing app it's fast and easy. You'll get a cash or trade-in offer that you can bring to us within 3 business days, and because KBB is a leader the number you get is one you can trust.

Buying or leasing a vehicle is a big commitment, but at One Toyota of Oakland we don't want it to be a scary one. If you still have questions about the financing process, don't hesitate to reach out to our sales team. We cannot wait to meet you and get the shopping process started.


One Toyota of Oakland

8181 Oakport St.
Directions Oakland, CA 94621

  • Sales: 888-964-0576
  • Service: 888-964-0577
  • Parts: 888-964-0579

Sales Hours

  • Monday 7:00am - 8:00pm
  • Tuesday 7:00am - 8:00pm
  • Wednesday 7:00am - 8:00pm
  • Thursday 7:00am - 8:00pm
  • Friday 7:00am - 8:00pm
  • Saturday 7:00am - 8:00pm
  • Sunday 10:00am - 7:00pm