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Toyota Access at City Toyota

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Flexible car finance that’s tailored to your needs

A Toyota Access Loan means you can drive the Toyota you want today with the knowledge that the future is taken care of.

Enquire about Toyota Access Contact the Finance Team

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.

Guaranteed Future Value

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).

End of loan options

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

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.

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

Trade

Visit City Toyota 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 (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account.

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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. You’re in control every step of the way.

Enter details

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

Calculate repayments

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

Finance breakdown

Finance breakdown

Using your Toyota Personalised Repayment[F6] and your Guaranteed Future Value[F2], we offer you a competitive fixed rate loan.

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How to apply

Before applying for car finance, there are several documents you need to have ready. Finance expert Kochie helps explain each of the documents and we have a checklist you can print out to make sure you have everything you need.

Your Checklist Hear from Kochie
Ready to get a finance quote?

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.

 

Get a repayments quote now

Fees that will apply

Establishment Fee - $395
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.

Vehicle Security Registration Fee - $6
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.

Account Administration Fee - $8/month
A monthly fee for the management of your loan account.

Dealership fees

On-charged Dealer Agency Fee - $890 +GST
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.

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

    • 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
    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.

  • 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 it is 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.

Enquire about Toyota Access Contact the Finance Team

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.