Buy vs Lease near St. James, NY

Whether this is your first time acquiring a vehicle or you’re a seasoned veteran, it’s crucial that you understand the paths that you can take to access the keys to your prospective Toyota. That’s precisely why we at Smithtown Toyota are here to provide you with a quick buying and leasing guide, so you can set yourself up for success in your driving endeavors. If you have any questions or need some suggestions, feel free to visit our Finance Department for a comprehensive one-on-one consultation!

Inventory

First things first, if you haven’t set sights on your potential vehicle quite yet, you’ll be able to do so from home by tapping into our website’s virtual showroom. Simply select your preferred model or category from the New dropdown above. Doing so will promptly redirect you to a page that showcases all the Corolla, Highlander, and RAV4 driving options we currently have in stock. Scrolling from page to page can become a bit tedious, which is why we have included the filters on the left side of the page to help you build your dream model in a matter of seconds. All you have to do is refine your options according to the body style, price point, fuel economy, and anything else you might have on your list of must-haves. Once that’s accomplished, feel free to sort through interior and exterior photos, read detailed specs, and compare your top contenders!

Buying

Chances are that you or someone you know has previously purchased a vehicle for its full cost. This is the more traditional route toward automotive acquisition, because it allows you to receive a return on your investment. We accomplish this by helping you secure a competitive loan through our trusted connections with local lending institutions. This allows us to split up the sticker price over a period of four to seven years, so you can slowly chip away at the full price without putting a dent in your bank account. Then, once you’ve made your final contribution, you’ll have achieved sole ownership of your ride! To get things started ahead of time, use our online Payment Calculator to view your buying power and potential monthly rate. After that, you can receive the green light for your loan by completing the Get Pre-Approved form.

Leasing

Whether your driving needs frequently change or you simply prefer a flexible contract, opting for a lease is a fantastic alternative to securing your next set of wheels. That’s because this agreement essentially allows you to borrow the model from us for a period of time that falls between two and four years. Since you won’t keep the Toyota when your term expires, you’ll only have to foot the bill for its expected depreciation while it’s in your possession. This dollar figure is a fraction of the cost of buying! This path also grants you the opportunity to stay on the cutting edge of automotive advancements, because it allows you to upgrade to a factory-fresh set of wheels as soon as your agreement ends. Or, if you’ve fallen in love with the vehicle you’ve been driving for the past few years, you reserve the right to convert to a financing contract to pay the difference toward ownership.

Have you decided whether you’d like to buy vs lease near St. James, NY? If so, head to Smithtown Toyota at your earliest convenience to speak with one of our experienced advisors.

Buying

Leasing

Achieve ownership
Simplified loan approval process
Four- to seven-year agreement

Upgrade frequently
Payments based on expected depreciation
Two- to four-year contract

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Dealership Information

Testimonials

Jessica is one of the best car salespersons

2-26-2025

“ Jessica is one of the best car salespersons I have ever had the pleasure of working with. I highly recommend that if you want to go car shopping you start your journey with her. I have been doing business with Smithtown Toyota for over a decade and will continue to shop with them in the future. I love my new 2025 Rav 4 hybrid, it’s like riding around in the highest quality vehicle imaginable! ❤️ ”

Excellent service. Good attention. English and Spanish. Very good

2-24-2025

“ Excellent service. Good attention. English and Spanish. Very good ”

Roy Miranda was great

2-12-2025

“ Roy Miranda was great and helped me stay updated through the waiting process and made the purchasing process a breeze. ”

No hard sell, no games.

2-7-2025

“ Bought a used Toyota from Smithtown. Had a great experience with Rob L. No hard sell, no games. Was a great salesman. Also, Rocky and finance treated me well and was easy to work with. ”

Great experience from beginning to when I drove off the lot

1-29-2025

“ As a first time buyer it was a Great experience from beginning to when I drove off the lot! Got my perfect Dad-mobile, The Grand highlander! Jess and Rocky were awesome! ”

Very straight forward, no car dealer BS, a true pleasurable buying experience

1-14-2025

“ Very straight forward, no car dealer BS, a true pleasurable buying experience ”

My in Laws are long- time customers of Toyota

3-21-2024

“ My in Laws are long- time customers of Toyota and because of their generosity, excellent sales dept and stellar customer service we will be too! Tim Payton is an exceptional sales person and human and made the process of leasing a pleasure and free of worry. Shout out to Jillian for her incredible customer care and GM Lance Farley who is amazing at what he does and puts customer needs first. Smithtown Toyota is where you want to do business. We will be recommending this dealership to everyone we know! Thank you from Robin & Craig ”

100% recommend coming here for your next car!

4-29-2024

“ Just bought my first toyota with the help of Michael Bourne, 100% recommend coming here for your next car! ”

Went for routine service.

4-13-2024

“ Went for routine service. Always easy to schedule appointments on line or by phone. Staff is helpful, friendly and efficient. Highly recommended. ”

i called regarding a certain car

4-12-2024

“ i called regarding a certain car , was shown the car and took it for a test drive and purchased all in one day thanks to sean m . he made car shopping very easy !! no pressure , and no bulls… i mean fluff lol ”

lean and highly functional used cars, good service, very friendly.

4-8-2024

“ Clean and highly functional used cars, good service, very friendly. A salesmen named Sean helped me out at the used lot, very nice and clear on terms of sale. Overall I recommend this place for the purchase of a car ”

Lou Bilous

DriveSafe007

3-9-2020

“ Lou Bilous is a great representative of your Dealership. All my years in buying cars Lou stands out truly exceptional in the way he has dealt with us! Les Korobow ”

We want to thank David Sung for his help and explaining...

Eduardoslawncare

2-21-2020

“ We want to thank David Sung for his help and explaining everything to us with so much patience and professionalism. We love the customer service in general but working with David was a great experience for us. ”

Excellent sales representative. Trish made us feel...

Gfd99

2-19-2020

“ Excellent sales representative. Trish made us feel comfortable and welcome. We don’t really enjoy car shop but Trish made it a breeze. There was no heavy sales pitch, no confusing double talk. ”

Trish is an excellent sales lady and a very nice person....

Nancy

2-12-2020

“ Trish is an excellent sales lady and a very nice person. My husband bought his Toyota 4 runner last month. We are happy and satisfied how she treated us. This week we bought another Toyota RAV4. We are from Yonkers and it’s 1 1/2 hrs drive to Smithtown. We didn’t mind because we know that we have the best sales lady Trish and we know she will treat us well. She went above and beyond to help us. Trish is highly recommended to family and friends. She’s an asset to the company. ”

Wonderful Service Experience

Bonnie R

2-5-2020

“ I really wanted to write this review about Larisa Racenis, Asst. Service Mgr., at Smithtown Toyota. I came to this dealership to have my car serviced and I must say the welcome I received from Larisa was very warm and gracious. She was so kind and helpful and extended herself to make sure I received top quality service. Larisa made me feel very valued and I felt confident that my experience there would be a satisfying one. I am looking forward to referring other people to this dealership. Larisa makes Smithtown Toyota a very nice place to do business with. Respectfully, Bonnie R. ”