Frequently Asked Questions

Why Toyota Access?


Available to both personal and business customers, Toyota Access puts you in control – with a car loan that comes with a Guaranteed Future Value*, lower repayments^, a fixed interest rate and options for the future.

Why choose a Personal Toyota Access Car Loan?

Toyota Access car loans come with a fixed interest rate and locked repayments as standard. Toyota Access also puts you in control of your future if your circumstances change, with trade, keep or return options.

Key Benefits

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.

A car loan to suit 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.

More choice when your loan ends

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

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.

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 your Toyota Dealership. Benefits include our Toyota Service Advantage which gives you the peace of mind of set, capped price, full logbook servicing. And, when you take out Toyota Car Insurance#, you’ll be getting quality repairs with Toyota Genuine Parts as standard, a Lifetime Repair Guarantee, on repairs authorised by Toyota Insurance and a new Toyota replacement after a total loss on vehicles up to 3 years old.

Find our more about our Toyota Lifetime of Advantages

What is a Guaranteed Future Value (GFV)?

A GFV is the minimum value of your Toyota at the end of the loan term, as determined by Toyota Finance using the loan term and kilometers chosen by you. The GFV becomes the final repayment of your loan. Depending on your circumstances when you come to the end of your loan term Toyota Finance will pay you the agreed GFV to put towards your final loan repayment, which if you’ve met all the fair wear and tear and kilometer conditions should be equal to your final repayment. The GFV provides you with that extra peace of mind knowing where you stand now and in the future.

Available to both personal and business customers, Toyota Access puts you in control – with a car loan that comes with a Guaranteed Future Value*, lower repayments^, a fixed interest rate and options for the future.

Why choose a Personal Toyota Access Car Loan?

Toyota Access car loans come with a fixed interest rate and locked repayments as standard. Toyota Access also puts you in control of your future if your circumstances change, with trade, keep or return options.

Key Benefits

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.

A car loan to suit 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.

More choice when your loan ends

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

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.

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 your Toyota Dealership. Benefits include our Toyota Service Advantage which gives you the peace of mind of set, capped price, full logbook servicing. And, when you take out Toyota Car Insurance#, you’ll be getting quality repairs with Toyota Genuine Parts as standard, a Lifetime Repair Guarantee, on repairs authorised by Toyota Insurance and a new Toyota replacement after a total loss on vehicles up to 3 years old.

Find our more about our Toyota Lifetime of Advantages

What is a Guaranteed Future Value (GFV)?

A GFV is the minimum value of your Toyota at the end of the loan term, as determined by Toyota Finance using the loan term and kilometers chosen by you. The GFV becomes the final repayment of your loan. Depending on your circumstances when you come to the end of your loan term Toyota Finance will pay you the agreed GFV to put towards your final loan repayment, which if you’ve met all the fair wear and tear and kilometer conditions should be equal to your final repayment. The GFV provides you with that extra peace of mind knowing where you stand now and in the future.


How it works- now


There are five easy steps to getting started:

  1. Choose your Toyota. Whether for personal or business use, you can select a new or demo model Toyota that works for you and your budget.
  2. Choose the deposit you want to pay (if any).
  3. Choose your car loan term (up to four years).
  4. Estimate the number of kilometres you expect to travel by the end of the car loan term. Your Dealer can provide you with kilometer band guidelines.
  5. Choose when you would like to pay: weekly, fortnightly or monthly.

Next steps

Toyota Finance then calculates the Guaranteed Future Value (GFV)* for your Toyota, with the final payment equal to your GFV. We then finalise your loan package, with a fixed interest rate and repayment schedule that has been tailored to suit your needs. From the time you drive away, you’ll enjoy lower repayments^ and the reassurance of knowing what lies ahead.

There are five easy steps to getting started:

  1. Choose your Toyota. Whether for personal or business use, you can select a new or demo model Toyota that works for you and your budget.
  2. Choose the deposit you want to pay (if any).
  3. Choose your car loan term (up to four years).
  4. Estimate the number of kilometres you expect to travel by the end of the car loan term. Your Dealer can provide you with kilometer band guidelines.
  5. Choose when you would like to pay: weekly, fortnightly or monthly.

Next steps

Toyota Finance then calculates the Guaranteed Future Value (GFV)* for your Toyota, with the final payment equal to your GFV. We then finalise your loan package, with a fixed interest rate and repayment schedule that has been tailored to suit your needs. From the time you drive away, you’ll enjoy lower repayments^ and the reassurance of knowing what lies ahead.


How it works- future


When your loan term ends, you have the choice of three flexible options. You’ll just need to let your Toyota Dealer know what you would like to do between 120-70 days before your car loan term ends.

Trade
Trade If you’d like to upgrade your Toyota for a new model, visit your preferred dealer. If the trade-in value is higher than your outstanding loan balance, you can put the difference towards your new Toyota, or you can keep it.

Keep
If you’d like to keep your Toyota, simply pay the remaining balance owing on your loan (including the final payment), or we can help you refinance that amount, if you don’t have the cash on hand (conditions apply).

Return
Toyota Finance will pay you the Guaranteed Future Value agreed at the start of your car loan, (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account.

Returns Guide
To find out more about the returns process, we’re here for you with a step by step guide to returning your Toyota.

Download

About Fair Wear and Tear
Fair wear and tear is important if you want to take advantage of the return option. Our Fair Wear and Tear Guidelines take into account the condition of your car based on the loan term chosen and agreed kilometers. In our comprehensive guide, you will find examples of what is acceptable and unacceptable fair wear and tear, and as part of fair wear and tear, you have a number of obligations for the care of your vehicle throughout the term of your car loan including its maintenance, appearance and mechanical condition.

Of course, If you decide to trade-in for a new car or decide to sell it privately, you don’t have to meet our fair wear and tear guidelines. However, the condition of your car will impact the price you can expect to get.

When your loan term ends, you have the choice of three flexible options. You’ll just need to let your Toyota Dealer know what you would like to do between 120-70 days before your car loan term ends.

Trade
Trade If you’d like to upgrade your Toyota for a new model, visit your preferred dealer. If the trade-in value is higher than your outstanding loan balance, you can put the difference towards your new Toyota, or you can keep it.

Keep
If you’d like to keep your Toyota, simply pay the remaining balance owing on your loan (including the final payment), or we can help you refinance that amount, if you don’t have the cash on hand (conditions apply).

Return
Toyota Finance will pay you the Guaranteed Future Value agreed at the start of your car loan, (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account.

Returns Guide
To find out more about the returns process, we’re here for you with a step by step guide to returning your Toyota.

Download

About Fair Wear and Tear
Fair wear and tear is important if you want to take advantage of the return option. Our Fair Wear and Tear Guidelines take into account the condition of your car based on the loan term chosen and agreed kilometers. In our comprehensive guide, you will find examples of what is acceptable and unacceptable fair wear and tear, and as part of fair wear and tear, you have a number of obligations for the care of your vehicle throughout the term of your car loan including its maintenance, appearance and mechanical condition.

Of course, If you decide to trade-in for a new car or decide to sell it privately, you don’t have to meet our fair wear and tear guidelines. However, the condition of your car will impact the price you can expect to get.


Disclaimers


This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536 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.

*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 amount which will be put against your final payment, subject to fair wear and tear conditions and agreed kilometres being met.

^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.

# Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The Insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica).

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.

This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536 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.

*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 amount which will be put against your final payment, subject to fair wear and tear conditions and agreed kilometres being met.

^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.

# Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The Insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica).

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.