TFS Lease contracts are usually offered between 6 & 60 months. (according to your local availability). At the end of the term, ownership does not pass to you automatically, however, you have the option of, either returning your Toyota to your retailer, acquiring ownership or extending the leasing program. TFS Lease contracts can be structured equally over the entire agreement period with or without a final balloon payment at the end. A final balloon payment is a larger than normal final payment resulting in a lower monthly Instalment. It is also possible to refinancing the final balloon payment.