GET A PERSONALISED CAR RATE THAT'S TRUE TO YOU

Our Promise To You

Personalised repayments

Using smart and sophisticated software, we will calculate a car finance interest rate that’s right for you.

Total transparency

No matter who you are or where in Australia you live, we’ll use the same criteria to figure out your individual rate.

Tried and trusted

We’ve helped more than 1 million Australians get behind the wheel of their dream Toyota.

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Frequently Asked Questions

What are Toyota Personalised Repayments?


Toyota Personalised Repayments are based on your interest rate and other relevant criteria including amount financed, deposit, loan term and kilometres. Your interest rate is a rate that’s tailored to your financial circumstances so it is specific to you.

Instead of taking a one-size-fits all approach, we use your credit score and other relevant criteria to calculate a rate that’s right for you. No matter who you are or where in Australia you live, the same transparent and trusted process applies.

Toyota Personalised Repayments are based on your interest rate and other relevant criteria including amount financed, deposit, loan term and kilometres. Your interest rate is a rate that’s tailored to your financial circumstances so it is specific to you.

Instead of taking a one-size-fits all approach, we use your credit score and other relevant criteria to calculate a rate that’s right for you. No matter who you are or where in Australia you live, the same transparent and trusted process applies.


Why does Toyota Finance rely on software to calculate my rate?


Our goal is to give you a rate that’s transparent and tailored to your financial circumstances. We have a smart algorithm that’s designed to calculate your rate, based on your individual credit score and other financial criteria determined by us.

Our goal is to give you a rate that’s transparent and tailored to your financial circumstances. We have a smart algorithm that’s designed to calculate your rate, based on your individual credit score and other financial criteria determined by us.


What is a credit score?


A credit score is a single number, usually between 300 and 850, that enables financial institutions to get a sense of your credit history and to work out whether you’re a viable person to lend money to.

A credit score is a single number, usually between 300 and 850, that enables financial institutions to get a sense of your credit history and to work out whether you’re a viable person to lend money to.


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.

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