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With used car finance options to suit your needs, choose from a Toyota Access Loan or Toyota Fixed Rate Loan and finance your next used vehicle with ease.
loan types
Get behind the wheel of your next used vehicle with Toyota Finance. We work with you to find an affordable loan option, designed to meet your individual requirements.
A Toyota Access Loan lets you purchase a Toyota Certified Pre-Owned (TCPO) vehicle, with flexible repayment terms and the option to return your vehicle after a set period for its Guaranteed Future Value
With a fixed interest rate for the entire term of the loan, a Toyota Fixed Rate Loan allows for a stable and predictable monthly payment when financing a vehicle purchase. Available for all vehicles, including non-Toyota models.
USED VEHICLE FINANCE BENEFITS
No matter which used car loan option you choose, rest assured that you will receive the same great benefits and features.
Our sophisticated software calculates an interest rate tailored to your unique financial circumstances.
Effortlessly manage your used car finance and payments on the go with our convenient online platform.
Enjoy peace of mind with predictable monthly payments through our fixed repayment options.
With a Guaranteed Future Value (GFV)
A Toyota Access Loan lets you keep your options open at the end of your loan term. When your Toyota Access car loan ends, you will have three flexible options to choose from: trade, keep or return.
Because there is a final payment equivalent to the Guaranteed Future Value (GFV)
Visit your Dealer to upgrade. If the trade-in value is higher than your outstanding balance, the difference can go towards your new vehicle.
If you’d prefer to keep your Toyota, you can choose to pay the outstanding balance or refinance the remainder (conditions apply).
Return your vehicle for the Guaranteed Future Value
Enjoy the assurance that comes with knowing your vehicle has undergone a comprehensive quality inspection completed by qualified Toyota technicians. With Toyota Access, finance your Toyota Certified Pre-Owned vehicle with ease and confidence.
With an extensive range of vehicles on offer, choose from any used vehicles, including Toyota Certified Pre-Owned vehicles.
You can incorporate on-road costs such as insurance and roadside assistance related to the purchase of your vehicle into your Toyota Fixed Rate Car Loan.
Manage your finances more easily – opt for lower monthly repayments by spreading the vehicle cost over a longer period of time (up to 7 years).
To help you make your decision, you might find it helpful to view our side-by-side comparison of a Toyota Access Loan and a Toyota Fixed Rate Loan.
how to apply
Once you have selected your vehicle and used car loan option, you can begin applying for finance with your Dealer.
We have a printable checklist to make sure you have everything you need.
download the checklist
Choose a deposit amount (if any), the frequency of your repayments and loan term, then estimate how many kilometres you’ll drive.
Start the loan application process for your Toyota Access Loan or Toyota Fixed Rate Loan.
LOAN FEES
LOAN faqs
Toyota Finance analysts set the Guaranteed Future Value
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
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.
Toyota Fixed Rate Loan comes with fixed repayments for the duration of the loan term once you’ve worked out your personalised rate. This protects you from rate fluctuations but does mean that a fixed rate car loan may come with more restrictions.
Once you're approved for the loan, you make ongoing repayments throughout the loan term, which can be anywhere between one and seven years, until the loan is repaid in full.
You generally won't be able to make extra repayments or repay your loan early. To do so might incur a fee.
With fixed repayments, because you’ll know exactly how much money you owe each month, you’ll be able to budget more easily throughout your loan term.
Fixed rate loans also provide a level of certainty, helping you plan for the future, knowing that your repayments will stay the same.
And because car loans generally come with lower interest rates, you can lock in a competitive option once you’ve shopped around.
Negotiating the interest rate and the loan term are key factors in getting the best auto loan.
All of our customers 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.
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. You can:
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.
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.
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