BENEFITS

Guaranteed Future Value[F2]

Gain peace of mind with a Guaranteed Future Value and know exactly how much you 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.

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

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

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.

Fees that might apply

Payment Method Fee – BPay $1.50


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.

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.


Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit) $3


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.

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.


Account Payment Card Fee $5


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.

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.


Payment Dishonour Fee $3.25


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.

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.


Late Payment Fee $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.

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.


Information Fee $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.

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.


Early Termination Fee


$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.

$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:

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

  • Pay slip 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

Home owner/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
Watch video

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

  • Pay slip 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

Home owner/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
Watch video


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.

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.

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.

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.

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.

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.

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.


Speak with a specialist

Contact us today and we’ll help you get that new car feeling as soon as possible.

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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 and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

[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.