Financing with Our Dealership

Northcutt ToyotaĀ takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New Northcutt Toyota Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Northcutt Toyota can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently Asked Questions

This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.

Trust Northcutt Toyota for Your Auto Financing Needs

When you want to get behind the wheel of a new Toyota or a high-quality used vehicle, financing is usually the least enjoyable aspect of the process. But at Northcutt Toyota, we strive to achieve our mission of Red Carpet Service in everything we do. That means taking the hassle out of the financing process and making sure that you get the best deal available.


Whether you're looking to finance or lease a new Toyota, the finance team at Northcutt Toyota is here for you. Our experts will crunch the numbers to make sure that you get the best terms and rates available and a payment you can afford. If you want to get a head start, we offer easy pre-approval as well as tools that help you value your trade-in and estimate your monthly payments.Ā Ā 


Lease Your Next Car at Northcutt Toyota | Serving Enid, Perry, and Kingfisher

Not sure that buying a new car, truck, or SUV is the right choice for you? Leasing is a great alternative, and thanks to our no-hassle approach and knowledgeable finance experts, it's easy, too! When you lease a new vehicle from Northcutt Toyota, you'll have everything you need for reliable transportation around Enid, Perry, Kingfisher, and across Oklahoma.

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Leasing gives you the benefit of driving a brand-new Toyota for a lower monthly payment. Because your lease contract runs for limited years and miles, you'll also have the assurance of warranty coverage and free-of-charge scheduled maintenance with ToyotaCare.

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Better still, leasing a new Toyota gives you more options. If you decide that you love your Toyota enough that you'd like to keep driving it, you can bring it back at the end of your lease and finance the difference. If you'd like to upgrade to the latest model or an all-new vehicle because your needs have changed, you can trade in the keys and start a new lease on a new ride.Ā 


We're Here for You!Ā 


It doesn't matter whether you plan to buy or lease, or if you're from Oklahoma or visiting from Wichita, Kansas. When you stop into Northcutt Toyota looking for a vehicle, you'll get award-winning service from friendly faces. We never stop working to earn your trust, and that's why we're proud to have won the Toyota President's Award. It's that commitment to doing things better that makes us your True Car Dealer.


  1. Northcutt Toyota

    3409 W Owen K Garriott
    Enid, OK 73703

    • Sales: 580-237-3321
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Get in Touch

  • Contact our Sales Department at: 580-237-3321
  • Monday8:00AM-7:00PM
  • Tuesday8:00AM-7:00PM
  • Wednesday8:00AM-7:00PM
  • Thursday8:00AM-7:00PM
  • Friday8:00AM-7:00PM
  • Saturday8:00AM-6:00PM
  • SundayClosed