Toyota Financial Services: Payoff Address, Phone & Lease Rules
Toyota Financial Services (TFS) finances and leases Toyota vehicles; Lexus customers are served under the Lexus Financial Services name. Below: the loan payoff addresses, phone lines and lease-end rules TFS publishes on its own site.
Also known as: TFS · Lexus Financial Services · Toyota Motor Credit Corporation
Brands: Toyota, Lexus · Last verified November 8, 2026 against Toyota Financial Services's official website
Contact & payoff details
Loan payoff address (regular mail)
Toyota Financial ServicesP.O. Box 94305Palatine, IL 60094-4305Loan payoff address (overnight)
Toyota Financial ServicesAttn: Retail Payoff, Box 943055503 N. Cumberland Ave., Suite 307Chicago, IL 60656Lease payoff
Call (800) 286-0652 for the current payoff amount, mailing address and sale documentsTFS gives lease-purchase mailing instructions with the payoff quote rather than publishing a separate lease address.
Verify the address and your exact payoff amount with the lender before sending payment.
Lease buyout rules (as of November 8, 2026)
| Who buys the car | Policy |
|---|---|
| You (the lessee) | Allowed |
| A dealer buying it for you or taking it in trade | Allowed |
| A third party (another dealer, online buyer, friend or family) | With conditions |
You can buy your Toyota or Lexus lease, and some states require the purchase to go through a dealer. TFS's lease-end page describes assigning your purchase option to a third-party dealer: you stay responsible for the lease until TFS receives the payoff and paperwork, including your signed odometer statement. Returning the car to a third-party dealer instead of buying it counts as an unauthorized return.
“If you assign your purchase option to a third-party dealer, you remain responsible for all obligations under the lease agreement until we have received the payoff funds and all required documentation to process the purchase”
Weighing it up? Compare your buyout price to today's market with the lease buyout calculator.
Lease-end process
Return the vehicle to an authorized Toyota or Lexus dealer by maturity. Your originating dealer is required to process the return; most other Toyota and Lexus dealers will, but TFS recommends calling ahead. A free courtesy pre-inspection is available, ideally within 60 days of return (not offered to Hawaii residents or leases originated in New Hampshire or Wisconsin). The dealer does the final inspection at turn-in, you sign the odometer statement, and you tell TFS the vehicle is returned (online or at 800-874-8822).
Disposition fee: TFS does not publish a fee amount; it waives the disposition fee (up to $350) if you finance or lease a new or certified Toyota or Lexus through TFS/LFS within 30 days before or after your return.
Lease transfer policy
With conditionsTFS says to call (800) 874-8822 about transfer criteria and options if someone wants to take over your lease; no fee is published.
“If you have someone who is interested in taking over the lease contract and obligations to the lease agreement, please contact us at 800-874-8822 to learn more about transfer criteria and options.”
Title & lien release after payoff
Paper titles and lien releases are mailed to your primary address, usually within 25–40 business days after the payoff posts. In electronic-title states TFS notifies the state, and the paper title arrives from the state in about 7.5–9.5 weeks. Sending the title to a third party, such as a dealer, needs your written or verbal authorization.
Title not showing up? Our lien release guide covers state-by-state next steps.
Toyota Financial Services FAQ
What is the Toyota Financial Services payoff address?
Loan payoff address (regular mail): Toyota Financial Services, P.O. Box 94305, Palatine, IL 60094-4305. Loan payoff address (overnight): Toyota Financial Services, Attn: Retail Payoff, Box 94305, 5503 N. Cumberland Ave., Suite 307, Chicago, IL 60656. Source: Toyota Financial Services's official website, verified November 8, 2026.
What is the Toyota Financial Services phone number?
Toyota customer service: (800) 874-8822 (Mon–Fri 8 a.m.–5 p.m. local time). Lexus Financial Services: (800) 874-7050 (Mon–Fri 8 a.m.–5 p.m. local time). Lease payoff & early return: (800) 286-0652. Verified on Toyota Financial Services's official website November 8, 2026.
Can a third party buy out a Toyota Financial Services lease?
As of November 8, 2026: You can buy your Toyota or Lexus lease, and some states require the purchase to go through a dealer. TFS's lease-end page describes assigning your purchase option to a third-party dealer: you stay responsible for the lease until TFS receives the payoff and paperwork, including your signed odometer statement. Returning the car to a third-party dealer instead of buying it counts as an unauthorized return.
Can I transfer a Toyota Financial Services lease to someone else?
As of November 8, 2026: TFS says to call (800) 874-8822 about transfer criteria and options if someone wants to take over your lease; no fee is published.
How do I get my title from Toyota Financial Services after payoff?
Paper titles and lien releases are mailed to your primary address, usually within 25–40 business days after the payoff posts. In electronic-title states TFS notifies the state, and the paper title arrives from the state in about 7.5–9.5 weeks. Sending the title to a third party, such as a dealer, needs your written or verbal authorization.
What is the Toyota Financial Services lease disposition fee?
TFS does not publish a fee amount; it waives the disposition fee (up to $350) if you finance or lease a new or certified Toyota or Lexus through TFS/LFS within 30 days before or after your return. Your lease contract governs the exact amount.
How do I log in to my Toyota Financial Services account?
Manage your account online at https://www.toyotafinancial.com/dss/login (Toyota Financial Services's official site).
Lease & payoff tools
- Lease buyout calculator — is your buyout price worth it?
- Lease payment calculator
- How to get out of a car lease
- Lien release guide
- Toyota lease deals · Toyota money factors
- Lexus lease deals · Lexus money factors
Shopping for your next car? Search cars for sale.
Sources
- TFS — Contact us
- Lexus Financial Services — Contact us
- TFS — How to send loan payoff funds
- TFS — Return your vehicle
- TFS — Early lease return / transfer
- TFS — Lease-end guide (PDF)
- TFS — Title/lien release timing
- TFS — Where the title is sent
Last verified November 8, 2026. Facts are taken only from Toyota Financial Services's own website; anything we could not confirm there is left off this page. CarWhere is not affiliated with Toyota Financial Services.