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Fixed Rate Car Loans at Downtown Toyota


With all the amazing offers happening at Downtown Toyota, there has never been a better time to get a new or used car on a fixed rate car loan.

When it comes to a car loan, there are two types of loans you can acquire: a fixed-rate or a variable rate. Both have their own pros and cons, but when it comes to knowing exactly how much money will be withdrawn from your account on a continuous basis, a fixed-rate loan is the clear option.


What is a Car Loan

What is a car loan?

Essentially, a car loan is a type of loan that is taken out by a borrower specifically to buy a new or used vehicle, whether it be a family sedan like the famous Toyota Camry, or something that is needed for work, like the Toyota HiLux. The difference between a fixed rate car loan and a variable rate car loan is that the fixed rate car loan locks the borrower into the same interest rate and repayments over the life of the loan.


Benefits of a fixed rate car loan


Fixed rate car loans can help you avoid the financial stress that arises when interest rates spike. Given you are locked into a set rate for the life of a loan, the loan lender is not allowed to make any unexpected changes to your repayments.

The primary advantage of a fixed rate car loan is stability it offers and the protection it offers against possible future rate rises. As a borrower, you know the exact amount of each repayment and the fact that it is locked in for the life of the loan. Fixed rate loans give you a certain level of assurance, such as a fixed repayment and also affords you the ability to make extra repayments.

If you have any questions at all, please speak with our team or submit a finance enquiry online.


Why finance at a dealership

Vehicle finance at a dealership has been a longstanding service that we provide to our guests. Downtown Toyota works with Toyota Financial Services to provide financing options for your new or used vehicle. Financing at a dealership has a variety of benefits such as:

  • Convenience: Choose, purchase, finance and take delivery of your new car all in one place. We can provide you updates on your vehicle and finance application all in one phone call
  • Flexibility: Our finance loans include options that provide flexibility such as Toyota Access’ Guaranteed Future Value and Toyota Personalised Rate, as well as traditional finance options of loans for 1 to 7 years
  • Toyota Personalised Rate: A finance rate based on your lifestyle, credit score and vehicle you want to purchase
  • Promotional Offers: A finance rate that is exclusive to specific Toyota models (example 2.9% Annual Percentage Rate across Toyota HiLux 4X4 for Business Applicants/ABN Holders [F1])
  • Environmentally friendly: You can complete your application electronically, saving paper, ink and the environment.
  • Specialist Knowledge: Our Finance Specialists have accreditations, knowledge and experience in personal and business applications, providing you with a smooth experience. We also provide the option of dedicated Sales & Finance Executives who can help you purchase your car and also your finance application, so you only ever have to speak to one person

Toyota Financial Services are one of Australia’s largest financiers and they offer a variety of options to suit you and your lifestyle, so speak to one of our accredited Finance Specialists in the dealership to find out which option best suits you and your lifestyle.


Talk to Downtown Toyota today


Talk to one of our team members at Downtown Toyota today and drive away in a new or used car with complete peace of mind you are getting the best service possible. You will also enjoy the certainty of the same low repayments for the duration of your fixed rate car loan, plus no ongoing fees.

Our finance specialists work with you so you can drive away in a new or used car as soon as possible. You can borrow as little as $5,000 for a used vehicle up to 10 years old and as little as $10,000 for a new car. Contact Us to today and we can help you kickstart your next adventure.


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Downtown Toyota

Finance & Insurance

753 Wynnum Road
Morningside, QLD 4170

07 3896 0100
07 3399 6966

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