The Smarter Way to Buy a Toyota
Toyota Access car loans come with a fixed interest rate and locked repayments as standard. Toyota Access also puts you in control of your future if your circumstances change, with trade, keep or return options.
Available for new, eligible demo, and Toyota Certified Pre-Owned vehicles, a Toyota Access secured car loan gives you lower monthly repayments[F9] and the certainty of a Guaranteed Future Value[F2], so you can live for today while taking care of tomorrow.
If you have any questions at all, please speak with our team or submit a finance enquiry online.
Why choose a Toyota Access Loan?
Access the future with Toyota Access and know exactly how much your car will be worth to us at the end of your car loan (subject to fair wear and tear and agreed kilometres being met). When your loan ends, you will have three flexible options to choose from. And, thanks to Toyota Personalised Repayments[F6] that remain fixed for the life of the loan, your repayments won’t change. So, no nasty surprises.
Getting your Toyota Access Loan quote
We give you the power to choose exactly how the life of your Toyota Access Loan will play out. You’re in control every step of the way.
End of loan options
When your loan term ends, you have three options: trade in for a new model, keep the vehicle, through refinancing or paying it off outright, or return the vehicle to us for the Guaranteed Future Value[F2].
How to apply
Before applying for car finance, there are several documents you need to have ready. Finance expert Kochie helps explain each of the documents and we have a checklist you can print out 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.
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
Employed
- 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
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
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.
