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Toyota Access Loan

Finance you drive

Start with a quick estimate
Toyota Access Loan Essentials
The Application Process
Manage existing loan
FAQs
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Toyota Access Loan essentials

About Toyota Access Loan

Guaranteed Future Value

Guaranteed Future Value[F2]

Gain peace of mind with a Guaranteed Future Value[F2] 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

End of loan options

When your Toyota Access Loan ends, you will have three flexible options to choose from: trade, keep or return.

Toyota Personalised Repayments

Toyota Personalised Repayments

Your repayments remain fixed for the life of the loan. Total transparency, no nasty surprises.

Estimate your repayments

End of Loan Options

Trade

Trade

Visit your preferred dealer 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

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

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.

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.

 $6
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 Method Fee – Other (includes BillPay, Cheque or Direct Deposit)

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.

Toyota Personalised Repayments

Get started with your personalised interest rate

It only takes 3 minutes to calculate your Toyota Personalised Rate. Armed with your personalised interest rate, you’re able to see what your estimated repayments would be across the entire Toyota range.

Get estimate

The Application Process

How it works

Step One - Get a Toyota Access Loan estimate
We give you the power to choose exactly how the life of your Toyota Access Loan will play out.

Enter details

Enter details

Enter your details on our safe and secure portal to calculate your interest rate and estimate your Toyota Personalise Repayments.

Calculate estimated repayments

Calculate estimated repayments

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

Estimated repayments across the entire range

Estimated repayments across the entire range

Once you have your personalised repayments, you can then compare vehicles across the entire Toyota range.

Get started with a Toyota Access estimate

Get started with a Toyota Access estimate

Get Estimate

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

Get started with a Toyota Access estimate

Get started with a Toyota Access estimate

Get Estimate

Frequently Asked Questions

  • Q 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

    • 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.

    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

  • Q 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.

  • Q 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.

  • Q 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.

  • Q 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.

  • Q 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.

  • Q 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.

Toyota Finance Online

Toyota Finance Online

Discover our all-in-one finance portal where you can access statements, track your repayments and manage your finance account online on any device, at any time.

 

Log in or Register

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 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 total loss.

Target Market Determination document available here

Disclaimers

[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, conditions, fees, charges & lending criteria apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

No matter where you’re going, Toyota’s with you

Toyota Access is an innovative way to put yourself in control 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.

Toyota Access puts you in the driver's seat with flexibility and assurance. So if you've found the right vehicle from the Parramatta Toyota Passenger, Hybrid, 4WD & SUV or Commercial range - then read on

Why Choose Toyota Access?

Why Choose Toyota Access?

Available to both personal and business customers, Toyota Access comes with a fixed interest rate and locked repayments as standard. It puts you in control of your future if your circumstances change, with trade, keep or return options. With the certainty of a Guaranteed Future Value (GFV), you’ll know that at the end of your loan term you won’t owe more than your car is worth (subject to fair wear and tear and agreed kilometres being met). And the shorter loan periods and lower repayments^ mean you can keep reliving that new car feeling every few years

Key Benefits

Key Benefits

Guaranteed Future Value*

With the certainty of a Guaranteed Future Value (GFV), you’ll know that at the end of your car loan term you won’t owe more than your car is worth (subject to fair wear and tear and agreed kilometres being met). And the shorter loan periods and lower repayments^ mean you can keep reliving that new car feeling every few years.

Key Benefits

A car loan that suits you

With Toyota Access, you can organise your car loan in a way that suits you. You can choose your Toyota, as well as the deposit you want to pay (if any). You can also choose your loan term (up to four years), and estimate the number of kilometres you expect to travel by the end of the term. Plus, you can even choose if you would like to pay weekly, fortnightly or monthly.

Key Benefits

Certainty

Throughout your car loan, enjoy the certainty of low fixed repayments^, a fixed interest rate and the reassurance that, with a GFV, you know where you stand now and in the future.

When your loan ends, you also have the choice of three flexible options: trade, keep or return your Toyota.

Key Benefits

Lifetime of Advantages

When you buy a new Toyota, you’re getting more than a new car. You’re also getting a team of people that will care for and protect you, and your car, from the moment you drive out of Terry Shields Toyota. Benefits include our Toyota Service Advantage which gives you the peace of mind of set, capped price, full logbook servicing. 

Find out more about Toyota Lifetime of Advantages 

Enquire About Toyota Access Now

How Toyota Access Works

The information on this website 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.

*The Guaranteed Future Value (GFV) is the minimum value of your new or approved demonstrator 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. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

^Lower repayments compared to similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

Approved applicants only. Terms and conditions, fees and charges apply. Toyota Access Guaranteed Future Value (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.