---
title: "トヨタファイナンス"
aliases: ["Toyota Finance", "トヨタファイナンス株式会社", "TOYOTA FINANCE CORPORATION", "TS CUBIC CARD", "TSキュービックカード"]
domain: card-issuers
created: 2026-05-21
last_updated: 2026-05-21
last_tended: 2026-05-21
review_by: 2026-11-21
confidence: likely
tags: [JapanFG, auto-finance, credit-card, installment-credit, Toyota]
status: active
sources:
  - "https://www.toyota-finance.co.jp/company/data.html"
  - "https://www.toyota-finance.co.jp/about/glance.html"
  - "https://www.tfsc.jp/corporate/index.html"
---

# トヨタファイナンス

## Wiki route

This entry sits under [[card-issuers/INDEX|card-issuers INDEX]]. Read it against [[leasing-firms/toyota-financial|Toyota Financial Services]] for parent / operating-company separation and [[payments/credit-purchase-card-operators-japan-index|Japan credit purchase and card operator registry index]] for the installment-credit and card boundary.

## Overview

トヨタファイナンス株式会社 is the domestic core finance company of the [[manufacturer-finance/toyota-motor|Toyota Motor]] group and a wholly owned subsidiary of [[leasing-firms/toyota-financial|Toyota Financial Services]]. Its official company profile states that it provides financial businesses such as sales finance and credit cards.

This page splits the Japan operating company from the global TFS holding page. That separation matters because Toyota Finance is where domestic auto credit, dealer-linked finance, card products, and customer-facing financial services converge.

## 1. 法人・グループ境界

| Item | Reading |
|---|---|
| Legal entity | トヨタファイナンス株式会社 / TOYOTA FINANCE CORPORATION |
| Established | 1988-11-28 |
| Shareholder | [[leasing-firms/toyota-financial|Toyota Financial Services]] 100% |
| Parent group | [[manufacturer-finance/toyota-motor|Toyota Motor]] group |
| Main lanes | Sales finance, credit card, mobility finance, dealer-linked finance |

Sources: [トヨタファイナンス会社概要](https://www.toyota-finance.co.jp/company/data.html) and [Toyota Financial Services company profile](https://www.tfsc.jp/corporate/index.html).

## 2. Business Role

- Toyota Finance presents itself as a mobility financial services company built on sales finance and credit-card businesses.
- The company profile lists financial businesses including sales finance and credit cards, while the TFS parent company profile identifies Toyota Financial Services as the holding / coordinating company for auto sales finance services.
- The operating model is not just "card issuing"; it links dealers, auto credit, leasing / sales finance, insurance adjacency, and Toyota customer data.
- On the dealer-linked auto-loan lane it competes head-on with the independent 信販 issuer [[card-issuers/orico|オリコ]], domestic auto-loan No.1, which reaches the same showroom installment flow from a non-captive base.

## 3. Why This Standalone Page Matters

[[leasing-firms/toyota-financial|Toyota Financial Services]] is the global financial holding / coordination route. Toyota Finance is the domestic operating company that connects vehicle purchase, dealer finance, TS CUBIC card products, and Japan-specific customer channels. Treating both as one page hides the license, product, and channel boundary.

## Related

- [[leasing-firms/toyota-financial]]
- [[manufacturer-finance/toyota-motor]]
- [[leasing-firms/orix-corp]]
- [[card-issuers/orico]]
- [[card-issuers/jaccs]]
- [[payments/credit-purchase-card-operators-japan-index]]

## Sources

- Toyota Finance company profile: https://www.toyota-finance.co.jp/company/data.html
- Toyota Finance overview: https://www.toyota-finance.co.jp/about/glance.html
- Toyota Financial Services company profile: https://www.tfsc.jp/corporate/index.html