Toyota Motor Credit will finance all new Toyotas as well as Toyota Certified Used Vehicles that are up to five years old. The company offers contracts from 24 months to 72 months, and you can apply for credit online and receive a response quickly via email. In addition to regular financing, the company also offers Toyota Touch Preferred Option Finance Plan which allows you to make lower monthly payments and then make a final payment at the end of your contract to cover the remaining value of the vehicle. A financing program tailored for recent college graduates is also available.