Lexus Financing FAQs

Rallye Lexus is Here to Help You

Whether it’s your first time or fifth time, financing a car can seem like an intimidating task that raises a lot of questions. That’s ok – we are here to help! We’ve gathered some frequently asked questions to help ease any nerves you may have about the process. If these don’t get the job done, feel free to reach out to our finance department to speak with a representative one on one.

General Credit FAQs

Credit scores generated by the credit bureaus are often referred to as “FICO® scores,” even though each of the major credit bureaus has its own name for these scores. FICO stands for “Fair Isaac and Company” (aka Fair Isaac Corporation), the company that produces the system used by many credit bureaus to calculate your credit score. These scores range from 300 to 850 — the higher, the better.

To learn more about your credit rating, visit any of the four credit bureau websites listed below, or request a free annual credit report by visiting

Note: We are not affiliated with Equifax, Experian, TransUnion, Innovis or, nor are we responsible for the content, services or security available on these sites.

If you believe we reported incorrect or incomplete information about you to a credit bureau, write us at P.O. Box 661009, Dallas, TX 75265. Identify the information and tell us why you believe it is incorrect or incomplete.  If you have a copy of the credit report which shows the disputed information, please include a copy in your correspondence to us.

Missing a payment, or paying beyond your due date, can hurt your credit score. As a credit reporter to the Credit Reporting Agencies (CRAs), we are required, per the Fair Credit Reporting Act, to report your pay history accurately. If your payment is more than 30 days beyond your due date, we may report this to the CRAs, meaning the late payment could appear on your credit reports. A CRA generally can report most negative information for seven years.

Payment history reported to the CRAs becomes part of your overall credit report. The CRAs use your credit history to develop a credit score. Your credit score is then used by creditors to make decisions surrounding whether to extend you credit. Even one late payment may have negative consequences to your credit score.

Lexus Financial Services FAQs

Lexus Financial Services (LFS) is the finance brand for Lexus in the United States, offering retail auto financing and leasing through participating dealers and Toyota Motor Credit Corporation (TMCC) and Toyota Lease Trust. LFS also offers vehicle and payment protection products through participating dealers and Toyota Motor Insurance Services (TMIS) and its subsidiaries.

LFS is a service mark of both TMCC and TMIS. As a brand name, LFS markets finance products offered through TMCC, and vehicle and payment protection products offered through participating dealers and TMIS and its subsidiaries.

For more information about Toyota Motor Corporation investment opportunities, please visit our investor relations section, or contact us for assistance.

Account FAQs

To change the name on your account, please contact our Customer Service Team, and they will make the change.

Instructions to change your address:

  1. Log in to the website
  2. Select “Menu” from the top navigation bar
  3. Select “Personal Information” under Support Center
  4. Select “Edit” for Primary or Billing address
  5. Select “Save” to save changes

When moving your vehicle to another state, contact your insurance agent to ensure that you have proper coverage. You should also contact the DMV about registration and other necessary paperwork. In most cases, Lexus Financial Services (LFS) does not allow you to move your vehicles outside the continental United States and Hawaii.

For additional information about updating your address, please contact our Customer Service Team at 1-(800) 874-7050.

Follow these steps to view your transaction history:

  1. Log in to the website
  2. From your Dashboard, scroll down the page and click “View All Transactions”

We respect your privacy and the confidential nature of the information that we gather in working with you. That’s why our website and security protocols are designed to protect your personally identifiable information. Because we don’t have agreements with third-party websites like Mint, we can’t ensure that their services are compatible with our legal and security requirements. Any enhancements made to the LFS websites or security, including measures to protect and secure your information, may mean that third-party services can no longer access our systems. We apologize for any inconvenience this may cause. You can always access your account through or our myLFS mobile app.

Billing FAQs

If you do not receive your monthly statement within a reasonable time period, you can mail your payment without it. Billing statements are printed and mailed approximately 17 days prior to your payment due date. If you’d like a copy of your billing statement, log in to your account and from your Dashboard, scroll down the page and click “Billing Statements.” Download up to 13 months of your statements.

Payment addresses:

Lexus Financial Services
P.O. Box 5855
Carol Stream, IL 60197-5855

Lexus Financial Services
P.O. Box 4102
Carol Stream, IL 60197-4102

Note: If your account is through Toyota Credit de Puerto Rico, you will not be able to receive a paper statement. Please contact Toyota Credit de Puerto Rico at or call 1-800-469-5214.

Follow these steps to request a due date change:

  1. Log in to the website
  2. Select “Menu” from the top navigation bar
  3. Select “Due Date Change request” under Support Center

After submitting the request, a Customer Service Team member will evaluate your request and respond online.

Note: Finance accounts may not change their payment due date to the 31st of any month.

Note: Lease accounts may not change their payment due date to the 29th, 30th, or 31st of any month.

You can view 13 months of past electronic (paperless) billing statements at, by following these steps:

  1. Log in to the website
  2. From your Dashboard, scroll down the page to Billing Statements
  3. Select “View All Statements” to view all available statements

Electronic billing statements are no longer accessible after the account is paid off or closed.

Note: To view, download and print electronic billing statements, you need to install the free Adobe Acrobat Reader DC on to your computer.

It may be that your account is past due, or that the total amount due on your electronic (paperless) billing statement differs from your monthly payment amount, which will result in a paper billing statement. If you think your paper billing statement was sent in error, please contact our Customer Service Team for assistance.

Most states require that your vehicle be re-titled, and all states require that your vehicle be re-registered in your new state. Please contact your state or county titling authority to determine the specific requirements in your area. Let them know that you have a leased vehicle, and provide us with written information aboutyour local titling authority’s requirements.

Toyota Motor Credit Corporation (TMCC) or Toyota Lease Trust (TLT) must be listed as legal owner and/or lessor of the vehicle on all title and registration paperwork. You are responsible to pay all fees and expenses associated with this transaction.

If the vehicle must be re-titled, the state generally requires that the title-holder submit the original title in order to secure a new Certificate of Title. If TMCC or TLT holds the title, your local titling authority sends us (or provides you with) a request that TMCC forward the title to them. You also need a Power of Attorney to re-title your vehicle. Please contact us at the number below to request this document.

In case your local titling authority needs to contact us, here is the contact information to use:

Toyota Motor Credit Corporation
P.O. Box 105386
Atlanta, GA 30348-5386
Phone: 1-800-874-8822

Mobile App FAQs

The mobile app is available for download through the Apple App Store and Google Play.

Note: As we enhance the app, we will periodically release updates. Please refer to your application notifications either from iTunes or Google updates.

Our 128-bit SSL encryption technology safeguards traffic for secure web applications and helps protects your information as it travels from your mobile device to us.

You are required to enter a valid Username and Password to access your account information from the mobile app. If your mobile device is lost or stolen, no one can access your account without your login credentials.

You are able to do the following:
✓ Make a payment
✓ View & edit app payments
✓ View payoff & contract information
✓ View Account History
✓ Retrieve contact information

Yes, The login credentials can be used from either the mobile app or website. If you registered from the app and login for the first time to our website, you will be required to accept the Online Policies & Agreements for website.

Lease-End FAQs

Your options are simple. You may:

  1. Turn in your vehicle and purchase or lease a new Lexus.1
  2. Purchase the vehicle you’re currently driving.
  3. Return your vehicle to your Lexus dealership.
Options are available on approved credit through your dealer and Lexus Financial Services. Not all applicants will qualify. Additional options are available. See your dealer for details.
*Your originating Dealer is required to process the vehicle return. Most Toyota and Lexus Dealers will process a return even if they did not originate the lease, but we recommend contacting them to confirm and schedule a turn-in appointment.

Check out our Lease-End Guide that provides details on considering your options, timing for an inspection, excessive wear and use, and finalizing your decision.

Our Lease-End Guide provides an overview of the lease-end process. Should you elect to return your vehicle, the Lease-End Checklist is available to help prepare for the return process.

The vehicle must be returned to an authorized Toyota or Lexus Dealer. We recommend contacting your originating Dealer* to schedule your turn-in appointment. Your originating Dealer is required to process the vehicle return.

If you return the vehicle to a third-party dealership, this is an unauthorized third-party vehicle return and you remain responsible for all obligations under the lease agreement until we receive the payoff funds and all required documentation, or the vehicle is delivered to a Toyota or Lexus Dealer.

*Most Toyota and Lexus Dealers will process a vehicle return even if they did not originate the lease, but we recommend contacting them to confirm and schedule a turn-in appointment.

Mileage FAQs

The easiest way to find your mileage allowance is by looking at your lease agreement.

If you can’t find your lease agreement, your local dealer will gladly help you find it.

You simply need to call your dealer and they can give you more information on any potential charges.

Unfortunately, we’re not currently offering that as an option.

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