Financial Services

Personal Use

Personal Vehicle Finance Solutions

When you're looking to purchase a new or used motor vehicle that will be driven predominantly for personal, domestic or household use our Finance Managers will be able to tailor the appropraite solution.

Features and Benefits:

• The security of a fixed interest rate for the term of the loan
• A choice of loan terms ranging from 1 - 5 years
• Financing for vehicles up to 7 years old
• Finance for both Toyota and non-Toyota vehicles
• A choice of flexible payment options
• The ability to make extra repayments, reducing the total interest payable
• The option of a balloon payment at the end of the loan - subject to capacity guidelines

 

Business Use

Business Vehicle Finance Solution

The Term Purchase finance option is suitable for businesses who want the security of vehicle ownership after the final payment is made.

Features and Benefits:

• A fixed interest rate for the term of the loan
• A choice of contract terms ranging from 1 - 5 years
• A balloon payment option - subject to capacity guidelines
• The ability for GST registered customers to claim part or full Income Tax Credit (ITC) for any GST on the purchase of the vehicle for use in your business
• The potential to offset depreciation, interest charges and vehicle running costs against assessable income where the vehicle is used in your business.

Business Vehicle Loan / Back to Top

A Business Vehicle Loan is a flexible commercial loan designed for sole traders, partnerships and companies that are looking to finance a vehicle used primarily for business purposes. Your business owns the vehicle and we take a mortgage over it, so it remains an asset of your business.

Features and Benefits:

• The security of a fixed interest rate for the term of the loan
• A choice of loan terms ranging from 1 - 5 years
• Financing for vehicles up to 7 years old
• Finance for both Toyota and non-Toyota vehicles
• A choice of flexible payment options
• Daily interest calculations on the outstanding principal balance, so any additional payments you make reduce the total interest payable
• The option to reduce monthly payments with a balloon payment at the end of the term, freeing up cash flow for your business
• No GST on monthly payments
• The ability for GST registered customers to claim part or full Input Tax Credit (ITC) for any GST on the purchase of the vehicle for use in your business.

 

Leasing Solutions / Back to Top

Finance Leases are a popular solution for businesses because they enable you to secure the vehicle of your choice today without a deposit, allowing you to retain your capital for other purposes.

Features and Benefits:

• An attractive and affordable means of driving a new car every few years
• A choice of contract terms ranging from 1 - 5 years
• Fixed payments for the term of the lease
• No fixed kilometre limits

At the end of your lease period there are a number of options available to you. For example, you may be able to extend the lease for a further agreed term, trade the vehicle in on a new vehicle or make an offer to purchase the vehicle from us

Insurance Protection

To ensure we have taken care of every aspect of your vehicle requirements Stewart Toyota offers a complete range of insurance solutions to ensure peace of mind that your investment in your vehicle is protected.

CTP (Greenslip) / Back to Top

Compulsory Third Party Insurance (Green Slip) is a requirement in order for vehicle registration in NSW. CTP will provide compensation to people injured by your vehicle. CTP does not cover you for personal injury if you are the driver at fault or for damage to other property.

Finance GAP Protection / Back to Top

If you’re comprehensively insured vehicle is written off (declared a total loss) as a result of accident or theft, you may find that the payout from your comprehensive insurer when your claim is accepted is less than what you owe your credit provider for your vehicle. If your vehicle is declared a total loss by your comprehensive insurer, Equity Plus Insurance (EPI) is a policy that will help you avoid having to pay any shortfall between what your comprehensive insurer pays out and what you still owe your credit provider for your vehicle. Depending on the level of cover selected, this policy may also pay a range of expenses associated with the replacement of your vehicle.

Comprehensive Vehicle Insurance / Back to Top

Toyota Insurance offer both agreed and market value comprehensive insurance.

Some key policy benefits include:

• Choice of repairer
• Genuine part replacement
• 3 year replacement vehicle policy
• All glass cover

 

Be sure to insure

Cash Benefit Insurance / Back to Top

If your vehicle is declared a total loss by your insurer, Cash Benefit insurance is a policy that will help you reduce or eliminate any shortfall between what your comprehensive insurer pays out and what you require to replace your vehicle.

Consumer Protection Insurance / Back to Top

Consumer Credit Insurance is designed to assist you in meeting your Finance Contract repayments in the event of specific changes to your personal circumstances. It can assist you in the event of changes to you health, employment status or as a result of your death. This Type of Insurance is to assist you in your loan repayments in the event of the following circumstances occurring:

• If you die;
• If you suffer a Traumatic Event and satisfy the definition of that Traumatic Event
• If you become involuntarily unemployed; or
• If you are unable to work due to accident or sickness.

 

Extended Warranty / Back to Top

Toyota Extra Care Warranty

Toyota Extra Care have a range of policies to suit your vehicle, including Extended Factory Warranties, Factory Approved Extended Warranty Insurance, & Dealer Warranty Protection.

These policies give the peace of mind in knowing that if your vehicle does have a mechanical failure, your out of pocket expenses are reduced or covered completely depending on the level of cover that you choose.

Roadside Assist

Help is only a phone call away with a roadside assist policy. Coverage is Australia wide 24 hours a day 7 days a week. If a breakdown occurs, we’ll ensure that you’re back on the road as quickly as possible

This information provided is of 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 taxation and financial advisors, who can advise you about your personal circumstances and what would be suitable for you. For further information please refer to the Product Disclosure Statements available on each of these products.