Welcome to Our Financing Department

Welcome to Bill Wright Toyota's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.

All types of credit, from good to bad, can qualify for an auto loan. We will work with you to secure a no credit car loan if your situation demands it. Bill Wright Toyota has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.

Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!

Guaranteed Auto Protection (GAP)

Once customers enter into a retail finance contract or lease agreement, they are responsible for paying the full amount of a vehicle's monthly installment contract. In the event of a total loss, the auto insurance payout is usually based on fair market value, as determined by the insurance company. This amount is often less than the outstanding balance owed on the contract.

With GAP, the difference between the balance on the contract and the insurance settlement is paid by the GAP provider, not the consumer.

What Auto Insurance May Pay

When a vehicle is declared a total loss, the primary auto insurance company pays the market value of the vehicle minus the auto insurance deductible (if applicable). This amount may be substantially less than the full balance due on the vehicle.

Filling The GAP

GAP pays the difference between the balance on the retail or lease contract and the vehicle's market value (less applicable exclusions). Without GAP, the customer is responsible for paying this amount. With GAP, the deficiency balance is paid, less any delinquent payments, taxes, and past due charges, and other excluded charges, including the auto insurance deductible in most states.

GAP is available only at the time of vehicle purchase or lease.

Vehicle Services Agreements

Life is unpredictable - good thing we have that covered. Find out what happens when the unexpected in life meets one of TFS's Vehicle Service Agreements. 

Expect the unexpected

We've all been subject to surprise car repair expenses and how they often arise at the worst times. A Toyota Vehicle Service Agreement (VSA) helps ensure you're prepared. This VSA is backed by Toyota and protects your vehicle beyond Toyota's basic factory warranty. Plans include repair by factory-trained technicians at authorized Toyota facilities and can also include roadside assistance. 

Take a look at what a comprehensive VSA can mean to you and your Toyota: 

Wherever you go, whenever you go

Take your Toyota to any participating Toyota dealer throughout the U.S. and Canada. 

Diagnostic excellence

Our service technicians use the latest diagnostic tools and parts.

Choices and transferability

Select the coverage, deductible ($0 or $50) and terms (years/miles) to help meet your needs plus be able to transfer your plan's remaining coverage to the next owner (nominal fee required).

Coverage confidence

Towing, Substitute Transportation, and Travel Protection services are included so when the unexpected happens, we've got you covered.

Save paper

No more claim submitting because we pay the dealer directly.

Toyota Auto Care Pre-Paid Maintenance Plans

Make it easy to help keep your Toyota in tip-top shape. When you opt for a Toyota prepaid maintenance program, you're protected from rising maintenance costs and assured of reliable service (with only genuine Toyota parts) by Toyota's team of factory-trained technicians at participating Toyota facilities.

Premium coverage at an affordable price

When you want all the coverage of Classic and then some, opt for the extra benefits of Toyota Auto Care (TAC) Premium. Terms of one to four years are available and you can pick up Premium coverage at your participating Toyota dealer. To locate the participating Toyota dealer nearest you, use our dealer locator.

Timely service from Toyota technicians

At the prescribed Toyota service interval for your vehicle, your oil and filter will be changed in addition to a tire rotation and a 19-point inspection. Your major maintenance will occur at 15,000-mile, 30,000-mile, or 45,000-mile intervals, depending on your plan.

Premium benefits

TAC Premium coverage also provides 24-hour Roadside Assistance utilizing approximately 40,000 towing vehicles nationwide so you'll get the prompt service you need when and where you need it. This benefit also includes:

  • Lockout protection.
  • Flat tire changes, jump starts and fluid delivery.
  • Towing for mechanical breakdown and collision recovery.
  • TAC Premium coverage also provides you with a convenient prepaid maintenance booklet, service reminders and a computerized service history to help you keep clear and accurate records.

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Contact Information

Purchase Timeframe

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Bill Wright Toyota takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


Bill Wright Toyota

5100 Gasoline Alley Drive
Directions Bakersfield, CA 93313

  • Sales: (661) 837-6240
  • Service: 661 398-8837
  • Parts: 661 398-8837


  • Monday 8:00 am - 9:00 pm
  • Tuesday 8:00 am - 9:00 pm
  • Wednesday 8:00 am - 9:00 pm
  • Thursday 8:00 am - 9:00 pm
  • Friday 8:00 am - 9:00 pm
  • Saturday 8:00 am - 7:00 pm
  • Sunday 10:00 am - 6:00pm