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.

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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.

Toyota Access

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).

Toyota Access

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 Access

Toyota Personalised Repayments

Toyota Personalised Repayments[F6] remain fixed for the life of the loan. Total transparency, 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).

Trade

Visit 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.

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).

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.

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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.

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Calculate repayments

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

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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.

Get a Quote

Step 2: Get your documents ready

Before applying for car finance, there are several documents you need to have ready. 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.

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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.

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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.

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Genuine peace of mind

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

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Ready to get a finance quote?

Use our online calculator to work out your Toyota Personalised Repayments[F6] and repayment costs for your new Toyota.

View Finance Calculator

Finance Enquiry

Fees that will apply

Establishment Fee

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

Vehicle Security Registration Fee

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

$6

Account Administration Fee

A monthly fee for the management of your loan account.

$8/month

Dealership fees

On-charged Dealer Agency Fee

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

Payment Method Fee – BPay

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

Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit)

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

Account Payment Card Fee

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

Payment Dishonour Fee

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

Late Payment Fee

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

Information Fee

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

Early Termination Fee

This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early.

This fee can be avoided by continuing with 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:

Proof of IdentityProof 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

  • 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.

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

PDF Checklist

How does Toyota Access work?

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.

What if I drive extra kms?

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 there’s lots of damage, can I return my vehicle and claim the Guaranteed Future Value (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.

Who decides the Guaranteed Future Value (GFV) and how is it calculated?

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.

Is Toyota Access a lease?

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.

What happens at the end of my loan?

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.