Toyota Financial Services vs Ayvens: which is better? Comparison 2026
By our public methodology Toyota Financial Services scores 73 out of 100 and Ayvens scores 72. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Toyota Financial Services | Ayvens | |
|---|---|---|
| Terms | 69 | 69 |
| Access | 82 | 75 |
| Reliability | 83 | 100 |
| Transparency | 50 | 25 |
Pros and cons
Toyota Financial Services
- Low down payment
- Long track record as a licensed lessor
- Part of a banking group
- Rates and total cost are published openly
Ayvens
- Low down payment
- Long track record as a licensed lessor
- Part of a banking group
- Leases to private individuals
Facts side by side
| Fact | Toyota Financial Services | Ayvens |
|---|---|---|
| Licensed / registered as a lessor since | 1997 regafi.fr | 1989 ayvens.com |
| Minimum down payment | 0% toyota-financement.fr | 0% ayvens.com |
| Maximum contract term | 60 mo toyota-financement.fr | 60 mo ayvens.com |
| Leasing for individuals | Yes toyota-financement.fr | Yes ayvens.com |
| Leasing for businesses | Yes toyota-financement.fr | Yes ayvens.com |
| Used cars | Yes toyota-financement.fr | Yes ayvens.com |
| Leasing products | 3 toyota-financement.fr | Not verified |
| Part of a banking group | Yes regafi.fr | Yes ayvens.com |
| Regional offices | Not verified | 32 ayvens.com |
| Rates published online | Yes toyota.fr | Not verified |
| Online application | Not verified | Yes ayvens.com |