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Address
489-497 Princes Hwy, Sutherland, NSW 2232 Get Directions
Address
591-601 Princes Hwy, Rockdale NSW 2216 Get Directions
Address
56 Bath Road, Kirrawee NSW 2232 Get Directions
Email

Toyota Access Loan

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.

GET A QUOTE

BENEFITS

Your benefits with Toyota Access

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.

Guaranteed Future Value[F2]

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).

End of loan options

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

Thanks to Toyota Personalised Repayments[F6] that remain fixed for the life of the loan, your repayments won't change. So, no nasty surprises.

End of loan options

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).

Toyota Details

Trade

Visit Stewart Toyota 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.

Toyota Upgrade

Keep

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).

Toyota Finance Wallet

Return

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

Step 1: 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.

Enter details

Choose a Toyota, your deposit amount (if any), the frequency of your repayments and loan term, then estimate how many kilometres you'll drive.

Calculate repayments

Toyota Finance analysts calculate your vehicle's Guaranteed Future Value[F2] based on your choices and market data.

Finance breakdown

After getting your Toyota Personalised Repayment[F6], we calculate your Toyota Personalised Repayment[F6] schedule and offer you a competitive fixed rate loan.

Step 2: Get your documents ready

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.

YOUR CHECKLIST

Care that continues

With ongoing support and reliability you can count on, rest assured that if anything happens, your Toyota is in safe hands.

Superior quality

Superior quality

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.

Toyota Dealer network

Toyota Dealer network

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.

Genuine peace of mind

Genuine peace of mind

Designed by the people whi know your Toyota best, our Insurance products ensure you're covered with a lifetime repair garantee, genuine Toyoota parts and new replacement Toyota (or agreed value for TCPO vehicles) after a total loss.

Fees that will apply

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

The cost of registering Toyota Finance's security interest in your vehicle on the Australian Government's Personal Property Securities Register.

$6

A monthly fee for the management of your loan account.

$8/month

Dealership fees

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

Fees that might apply

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

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

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

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

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

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.

$25

$750.00 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.

Frequently Asked Questions

What Identification and Documents do I need to apply?

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

  • 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

  • Payslip 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

Homeowner/buyer

  • Rates notice

Renting

  • 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.

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.

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 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.

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.

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.

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.

Get Your Repayments Contact Us

A Toyota Access Loan means you can drive the Toyota you want today with the knowledge that the future is taken care of.

Downloads


[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 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 for 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.

Address
489-497 Princes Hwy, Sutherland, NSW 2232
Get Directions View On Map
Address
591-601 Princes Hwy, Rockdale NSW 2216
Get Directions View On Map
Address
56 Bath Road, Kirrawee NSW 2232
Email
Get Directions View On Map