Personal Fixed Rate Car Loan

Tailored Personal Car Finance

A Toyota Access Personal Car Loan, Fixed Rate Car Loan or Novated Lease from Toyota Finance can help you get into your new car sooner than you think.

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

Enquire About Finance with Downtown Toyota
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Finance & Insurance Location

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Downtown Toyota

Finance & Insurance

753 Wynnum Road
Morningside, QLD 4170

07 3896 0100
04 8001 7678
07 3399 6966
Finance & Insurance Manager
Todd Mildenhall

View Location Map & Get Directions

Department Trading Hours

8:00 AM - 5:30 PM
8:00 AM - 5:30 PM
8:00 AM - 5:30 PM
8:00 AM - 5:30 PM
8:00 AM - 5:30 PM
8:00 AM - 4:00 PM
Toyota Access Car Loan

Toyota Access Car Loan

No matter where you’re going, Downtown Toyota’s with you. Toyota Access is an innovative way to put yourself in control of your car loan when you’re buying a new or approved demonstrator Toyota. You choose the car you want today, and have the freedom to change in the future. So as your lifestyle changes or as your business grows, Toyota Access provides the flexibility, certainty and assurance you need to feel confident about the road ahead. 


Key Benefits:

  • Guaranteed Future Value (GFV)*
  • A car loan to suit you
  • More choice when your loan ends
  • Certainty
  • Lifetime of Advantages


Personal Fixed Rate Car Loan

Personal Fixed Rate Car Loan

With a Personal Fixed Rate Car Loan from Toyota Finance, you can enjoy certainty when it comes to your loan, and the confidence of knowing exactly how much you will need to repay every month. And, you’ll also have the peace of mind knowing that the same level of expertise that goes into every Toyota also goes into our finance solutions. Ask the team at Downtown Toyota how we can help you get into your new car.

Key Benefits:

  • Choice
  • Security and confidence
  • Freedom
  • Flexibility
  • Lifetime of Advantages


Novated Lease

Novated Lease

A novated lease with Toyota Finance is one of the most convenient, simple and cost-effective ways to drive the Toyota you want. Take advantage of the benefits of a novated lease & ask the Downtown team what we can do to get your on the road today.


Key Benefits:

  • Choose Any car 
  • Tax effective 
  • Interest rate 
  • Transparent 
  • Buying power 
  • Servicing & maintenance 
  • Fuel Card

Get personal car finance that’s tailored to you

With a fixed interest rate that doesn't change for the life of your loan, your ideal Toyota is within reach.


Why choose Toyota Personal Fixed Rate Car Loan?

We know financing can be confusing, so we’re here to make things easier. Get personalised car finance that allows you to purchase any type of vehicle, new or old, and customise your loan terms to suit you.

How it works

How getting a Fixed Rate Car Loan works

If you’ve decided that a Personal Fixed Rate Car Loan is the best option for you, getting started couldn’t be easier.

Select your preferred Toyota

Select your preferred Toyota

New or used, drive the car that’s right for you.

Decide on your personal loan payment details

Decide on your personal loan payment details

Stay in complete control of what and when you pay back.

Put down a deposit (or don’t)

Put down a deposit (or don’t)

A deposit can be paid upfront to reduce your loan amount.

Talk to your nearest dealer

Talk to Downtown Toyota

And start the application process!

What do I need to apply?

Before applying for Car Finance there are several documents you need to have ready. We have a checklist you can print to make sure you have everything you need.

Fees that will apply

Establishment Fee - $395
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.

Vehicle Security Registration Fee - $6
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.

Account Administration Fee - $8/month
A monthly fee for the management of your loan account.

Dealership fees

On-charged Dealer Agency Fee - $890 +GST
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.


Check out Toyota Insurance products

Roadside Assistance

Day or night, we’ll be there if you need us.

Learn More

Comprehensive Car Insurance

Cover your Toyota with a policy designed by the people who know it best.

Learn More

Toyota Personalised Repayments[F6]

Long gone are the days of one-size-fits-all fixed rate personal car loans. Using smart and sophisticated software, we will calculate an interest rate that's personalised for you.

Frequently Asked Questions

What Identification and Documents do I need to apply?

To apply for car finance you will need to provide the following

Proof of Identity

  • Driver’s license – at least one person on the finance application
  • Passport or Proof of Age card

One of the following:

  • Valid Medicare
  • Valid Credit/Debit card
  • Valid Veteran card

Proof of income – one of the following combinations


  • Pay slip including year to date summary (unless Jul/Aug) or
  • 3 x consecutive payslips (if no YTD or Jul/Aug) or
  • Employment contract and 3 months bank statement
  • (if recently started)

Self Employed

  • Tax Return or
  • Business Financials


Proof of residence

Home owner/buyer

  • Rates notice


  • Tenancy Agreement

Boarding or living with parents

  • Proof of address

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.

We have a checklist you can print to make sure you have everything you need.

PDF Checklist

What is the current interest rate offered by Toyota Finance?
All of our guests receive a Toyota Personalised Rate when applying for finance. Our sophisticated software calculates your interest rate based on your credit score and other personal criteria determined by us. This means you get a rate that is based on your individual circumstances.

Toyota Finance is committed to providing you with quality finance options tailored to your individual needs and lifestyle. And with Toyota’s Personalised Rates, you can be confident that you are getting a fair and transparent interest rate for your loan.

What is Toyota Finance Online?
Toyota Finance Online is the easy way to manage your Toyota Finance account. You can access your finance account online at a time that suits you.

  • View account balances
  • View contract details
  • Calculate a payout quote
  • Generate statements
  • Update your payment or contact details

Download your MyFinance Portal app for iPhone®* or Android™️** or login online now.

* iPhone® is a trademark of Apple, Inc. registered in the U.S. and other countries.
** Android™ is a trademark of Google LLC.

How can I access my Toyota Finance Online account?
To access your account you will first need to register. Go to Toyota Finance Online, select the “Not Registered?” link, then enter your details and create your password.

You will need your Customer ID number. You can find it in the welcome letter you received at the start of your loan or any other letter that we have sent you.

  • Disclaimer

    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.

    [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.