Let's Go Places
If you're looking for a new or pre-owned car, there's really no better way to make it happen than with a little help from Toyota Finance. We offer a variety of options for car loans that fit around your lifestyle and specific needs. No one knows car finance like Toyota Finance, so let's make it happen.
Our Consumer Fixed Rate Car Loan gives you the security of a fixed interest rate for the term of your car loan plus the freedom to choose the term length, ranging from 1-7 years, helping you get into the car you want, today.
With Toyota Access, you'll be surprised at how soon you could be reliving that new car feeling. Toyota Access is a smart program that gives you an exceptional level of choice, confidence and flexibility when it comes to car finance, both now and in the future.
Novated Leasing is a finance arrangement used with salary packaging, where your employer pays for your car finance and running costs directly from your salary.
^Approved applicants only. Terms, conditions, fees and charges apply. A minimum loan term of 12 months applies. The maximum loan term will vary depending on the finance product selected and will be subject to Toyota Finance policy and procedure. You may be required to pay a deposit for capacity reasons. Additional interest charges will accrue if you select a balloon final payment option and early termination fees may apply if you elect to make additional repayments during the loan term.
This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.
*The Guaranteed Future Value (GFV) is the minimum value of your Toyota at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota Finance at the end of your term, Toyota Finance will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Toyota Access GFV products are available to approved customers of Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
There's no better way to get a car that suits your business needs than with a little help from Toyota Finance. From small or medium enterprises to large corporations, no two businesses are the same. And that's why we offer a range of flexible car finance options, such as a Business Vehicle Loan (also known as a Chattel Mortgage) and a Toyota Access Business Vehicle Loan.
We make car finance easy so you can focus on growing your core business. If you're looking for a car loan for a new or pre-owned business car, let's make it happen.
A Business Vehicle Loan, also known as a Chattel Mortgage, is a finance option designed to provide flexibility for people in business.
Our Business Car Loan is a convenient way for GST registered businesses to finance a vehicle that is used predominantly for business purposes. You'll have the security of knowing the vehicle is an asset of your business, even while you are paying it off
If you're a sole trader, partnership or company looking for business car finance, the Toyota Access Business Car Loan could suit your needs. It offers the security of a Guaranteed Future Value* and a fixed interest rate for the term of the loan, so you can focus on the needs of your business. You decide what happens at the end of your term, with the option to trade, keep or return the car.
Toyota Fleet Management (TFM) offers a comprehensive range of services to take care of managing your fleet, giving you more time to focus on your core business activities.
To view our full range of products and services, visit the TFM website.
Novated Leasing is a finance arrangement used with salary packaging, where the employer pays an employee's car finance and running costs directly from the employee's salary. It's an attractive option for both employers and employees.
With so many providers offering complicated policies, insurance can be a foggy issue. But now the choice is clear. Toyota Insurance is designed for your Toyota by the people who know it best. It just makes sense. And you know you can count on the quality and value you've come to expect as a Toyota owner.
Toyota Insurance is designed for your Toyota by the people who know it best. So, if something unexpected happens to your Toyota, you’ll know your car is in safe hands with Toyota Comprehensive Car Insurance.
At Toyota Insurance we get you back on the road in no time, plus give the reassurance that repairs are done using Toyota Genuine Parts.
To find out more, download the Motor Vehicle Insurance Product Disclosure Statement (PDS) here.
To find out more, download the Supplementary Product Disclosure Statement (SPDS) here.
This SPDS, dated 8 December 2022 applies to all new policies commencing on or after 22 January 2023 and all renewal policies commencing on or after 28 February 2023. This SPDS updates and should be read in conjunction with the Toyota Comprehensive Motor Vehicle Insurance Policy and Product Disclosure Statement with preparation date: 5 February 2021 and any other applicable SPDS we may have given you.
To find out more, download the Premium, Excess and Claims Guide (PECG) here.
Disclaimers
*Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS and Target Market Determination for the relevant product available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Comprehensive Motor Vehicle Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Toyota Comprehensive Motor Vehicle Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Comprehensive Motor Vehicle Insurance is purchased online, the issuer and insurer is Adica.
The information provided on this website by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances. Toyota Roadside Assist is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
Toyota Roadside Assist is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
Finance you drive
Toyota Access puts you in the driver’s seat. With a Toyota Access Loan, you can drive the Toyota you want today with the knowledge that the future is taken care of.
BENEFITS
Ready to unlock the future? No matter where you’re going, Toyota is with you every step of the way. So, as your lifestyle changes or your business grows, gain the flexibility and assurance you need to take on the road ahead.
Gain peace of mind with a Guaranteed Future Value and know exactly how much your car is worth to us at the end of your loan term (subject to fair wear and tear and agreed kilometres being met).
When your Toyota Access Loan or when your loan ends, you will have three flexible options to choose from: trade, keep or return.
Toyota Personalised Repayments[F6] remain fixed for the life of the loan. Total transparency, no nasty surprises.
When your loan term ends, you’re in control of what happens next. You can either trade in to a new model, keep the vehicle (either through refinancing or paying it off outright), or return the vehicle to us for the Guaranteed Future Value[F2] (subject to fair wear and tear and agreed kilometres being met).
Visit your preferred dealer if you’d like to upgrade your Toyota for a new model. If the trade-in value is higher than your outstanding balance, you can put the difference towards your new vehicle.
If you’d prefer to keep your Toyota, choose to pay the outstanding balance on the vehicle or let us help you refinance the remainder (conditions apply).
If you’d like to return your car, Toyota Finance will pay you the Guaranteed Future Value[F2] agreed at the start of your loan and put it against the remaining balance owing on your account.
HOW TO APPLY
We give you the power to choose exactly how the life of your Toyota Access Loan will play out.
Choose a Toyota, your deposit amount (if any), the frequency of your repayments and loan term, then estimate how many kilometres you’ll drive.
Toyota Finance analysts calculate your vehicle’s Guaranteed Future Value[F2] based on your choices and market data.
After getting your Toyota Personalised Repayment[F6], we calculate your Toyota Personalised Repayment[F6] schedule and offer you a competitive fixed rate loan.
Before applying for car finance, there are several documents you need to have ready. Finance expert Kochie helps explain each of the documents in the video below, and we have a printable checklist to make sure you have everything you need.
With ongoing support and reliability you can count on, rest assured that if anything happens, your Toyota is in safe hands.
Future-proof your Toyota and keep it looking and feeling its best. Get 5-year unlimited kilometre warranty cover with Toyota Warranty Advantage[T4]. With Toyota Genuine Service, our Toyota-trained technicians fit only Toyota Genuine Parts.
When you get a Toyota, you’ll gain access to Australia’s largest Dealer network committed to giving you the best value year after year.
Designed by the people who know your Toyota best, our Insurance products ensure you’re covered with a lifetime repair guarantee, genuine Toyota parts and new replacement Toyota (or agreed value for TCPO vehicles) after a total loss.
Use our online calculator to work out your Toyota Personalised Repayments[F6] and repayment costs for your new Toyota.
Establishment Fee
The cost to set up your approved loan with Toyota Finance. It is payable upon loan settlement and can be included within the amount financed.
This is referred to in your contract as your Loan Account Establishment Fee.
$395
Vehicle Security Registration Fee
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.
$6
Account Administration Fee
A monthly fee for the management of your loan account.
$8/month
On-charged Dealer Agency Fee
This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.
The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you and arranging all the necessary paperwork to submit, manage and finalise your finance application.
$912.25
Payment Method Fee – BPay
This fee applies when a payment is made by BPay. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don't pay fees on your regular repayments. To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
$1.50
Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit)
This fee applies when a payment is made by BillPay, cheque, or direct deposit. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments. To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
$3
Account Payment Card Fee
This fee applies for replacement, supplementary, or new payment cards when you switch from Direct Debit to another payment method after the loan start date. You can avoid this fee by setting up a Direct Debit on all your future repayments, so you don’t pay fees on your regular repayments. To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
$5
Payment Dishonour Fee
This fee applies if your Direct Debit or Cheque payment is dishonoured. You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited. You can also change the date of your payments by contacting us.
$3.25
Late Payment Fee
This fee applies if you’re late or miss a repayment, and your account goes into arrears. Toyota Finance will contact you about the overdue amount, and this is mentioned in your loan contract as an Arrears Follow-up Fee. You can avoid this fee by ensuring that your account does not go into arrears. You can also change the date of your payments by contacting us.
$25
Information Fee
This fee applies if you request contract documentation from the Toyota Finance National Customer Solutions Centre. You can avoid this fee by login into Toyota Finance Online where you can view, download, and print your loan documentation online without incurring this fee.
Early Termination Fee
multiplied by the number of whole months after the date of termination to the end of the contracted term, divided by the number of whole months in the contracted term. This fee applies if your loan is repaid before its scheduled end date. You can avoid this fee continuing with your scheduled loan repayments until the agreed completion date of the loan.
$750.00
Just like a personal Toyota Access Loan, you have the power to choose the terms that perfectly match your business needs. Feel secure knowing that as your business grows you’ve got the options you need to stay flexible.
What Identification and Documents do I need to apply?
To apply for car finance you will need to provide the following:
Proof of Identity
One of the following:
Proof of income – one of the following combinations
Employed
Self Employed
Proof of residence
Homeowner/buyer
Renting
Boarding or living with parents
Understanding of monthly expenses – you will be asked about your current monthly expenses. It is best to be prepared with a list of your monthly expenses.
Kochie helps explain each of the documents and we have a checklist you can print to make sure you have everything you need.
PDF Checklist
Watch video
How does Toyota Access work?
At the time of purchase, you’ll be asked to choose a car, loan term, deposit amount (if any) and agree on the number of kilometres you expect the car to travel before the loan ends. We’ll then guarantee the minimum future value of your new car, otherwise known as the Guaranteed Future Value (GFV)[F2], which will be used as the final balloon payment on your loan (subject to fair wear and tear and the estimated kilometres being met). When your term is up, you’ll have the flexibility to trade, keep or return your car as needed.
What if I drive extra kms?
An excess usage adjustment of $0.0635 per kilometre will apply if, at the end of the term, you have travelled more than the agreed end odometer. This will be deducted from your Guaranteed Future Value (GFV)[F2], which then becomes your adjusted GFV.
If there's lots of damage, can I return my vehicle and claim the Guaranteed Future Value (GFV)?
If your car doesn't meet the fair wear and tear guide, Toyota Finance will give you the opportunity to have the car repaired. Otherwise, Toyota Finance can organise the repairs and deduct the cost from your Guaranteed Future Value (GFV)[F2]. This adjusted GFV will then be the price Toyota Finance will offer you if you return the car at the end of your term. Of course, if you keep the car, the condition won’t matter; however, if you trade it in or sell it privately, the condition will impact your sale price.
Who decides the Guaranteed Future Value (GFV) and how is it calculated?
Toyota Finance analysts set the Guaranteed Future Value[F2] based on what they estimate the car will be worth in the future. This is done through sales results of similar cars, new model data and economic factors, with your loan term and agreed end odometer factored in.
Is Toyota Access a lease?
No. If you enter into a Toyota Access Consumer Loan or Toyota Access Business Vehicle Loan, you own the car and Toyota Finance will have a security interest over it.
What happens at the end of my loan?
When your loan term ends, you have the choice of one of three flexible options:
1. Trade for a new model - If the trade-in value is higher than your outstanding loan balance, you can put the difference towards your new Toyota.
2. Keep your Toyota – Simply pay the remaining balance owing on your loan, or we can help you refinance that amount, if you don’t have the cash on hand (conditions apply).
3. Return your Toyota - Toyota Finance will pay you the Guaranteed Future Value[F2] agreed at the start of your loan, (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account.
You’ll just need to let us know what you would like to do around 180 days before your car loan term ends.
TOYOTA ACCESS EBROCHURE >
FAIR WEAR AND TEAR GUIDE >
OUR RETURNS GUIDE >
TARGET MARKET DETERMINATION >
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Disclaimer
[F2] The Guaranteed Future Value (GFV) is the minimum value of your Toyota at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota at the end of your term, Toyota Finance will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Toyota Access GFV products are available to approved customers of Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
[F6] Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
[T4] The standard Toyota Warranty Advantage period is 5yrs, with unlimited kms, from delivery. Excludes vehicles used for a commercial purpose, such as taxis, hire vehicles and vehicles transporting people or goods for payment including rideshare. The commercial vehicle Toyota Warranty Advantage period is 5 years from delivery or 160,000kms (whichever occurs first). See toyota.com.au/owners/warranty or your vehicle’s Warranty and Service Book for T&Cs. This warranty does not limit and may not necessarily exceed your rights under the Australian Consumer Law.
Should your car be immobilised by a roadside breakdown, Toyota Roadside Assist or Roadside Assist PLUS will be there to get you back up and running. So, if you're ever stuck and want to get back on the road as soon as possible, we'll make it happen.
How does Roadside Assist work?
Our aim is to get you back on the road as quickly as possible. It's as easy as calling 137 200 anytime, from anywhere in Australia.
How does it assist me?
Firstly, we'll do our best to solve your problem over the phone and get your vehicle back on the road. If your vehicle remains immobile, we'll send out a technician to provide assistance.
How long does cover last?
You can buy roadside assistance cover for up to six years, with your choice of a start date - either now or at a more convenient date, up to two years in the future. That way, it won't overlap with any existing cover you may have.
How can I get Roadside Assist?
When you purchase your new or pre-owned Toyota, ask your Dealer about Toyota Roadside Assist.
Toyota Roadside Assist provides you with reliable and secure roadside assistance for your vehicle 24 hours a day, 365 days a year, all around Australia, with unlimited call outs. Whether you need towing, emergency fuel, jump starting, tyre changing or even help with lost or locked-in keys, help is just a phone call away. And you know you'll be in good hands, because nobody knows your Toyota better than we do.
Key benefits of Toyota Roadside Assist
Terms and conditions apply. Contact us for more information.
To find out more, download the Toyota Roadside Assist Terms and Conditions here.
Roadside Assist PLUS offers roadside assistance that's 24/7, 365 days a year and nation-wide, with unlimited call outs. You'll receive all the assistance options that come with a normal membership, including towing, emergency fuel, jump starting, tyre changing and help with lost or locked-in keys. Plus you'll have access to emergency hotel accommodation, alternative transportation and emergency parts supply.
Toyota Roadside Assist is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. Toyota Roadside Assist is provided by 365 Assistance Pty Ltd ABN 59160 076 200 trading as 365 Roadside Assistance, under arrangement with Toyota Finance Australia Limited. TEC002 07/2018.
* This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided and does not take into account your personal needs and financial circumstances. If you apply for a loan your interest rate will be based on your individual credit assessment. Fees and charges are payable and the calculations do not take these into account. Terms and conditions apply. We will not store the information provided in this calculator.
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