{
  "source": "https://api.cdr.toyotafinanceonline.com.au/cds-au/v1/banking/products/40",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "40",
    "lastUpdated": "2026-07-01T06:18:35Z",
    "productCategory": "PERS_LOANS",
    "name": "Toyota Access for Personal Use",
    "description": "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). When your Toyota Access Loan ends, you will have three flexible options to choose from: trade, keep or return. Your repayments remain fixed for the life of the loan. Total transparency, no nasty surprises.",
    "brand": "Toyota Finance",
    "isTailored": true,
    "additionalInformation": {
      "overviewUri": "https://www.toyota.com.au/car-finance/toyota-access",
      "eligibilityUri": "https://www.toyota.com.au/-/media/toyota/main-site/page-data/tfa/car-finance/shared-files/20260304_tfa287_0326_updated.pdf"
    },
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Get started with your personalised interest rate. It only takes 3 minutes to calculate your Toyota Personalised Rate. Armed with your personalised interest rate, you’re able to see what your estimated repayments would be across the entire Toyota range.",
        "additionalInfoUri": "https://www.toyota.com.au/car-finance/toyota-access#apply"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "End of Loan Options (1) 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)."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "End of Loan Options (3) Return: If you’d like to return your car, Toyota Finance will pay you the Guaranteed Future Value agreed at the start of your loan and put balance owing on your account. it against the remaining"
      },
      {
        "featureType": "EXTRA_REPAYMENTS"
      },
      {
        "featureType": "DIGITAL_BANKING"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "End of Loan Options (2): 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)."
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "To view Toyota Finance's current finance offers, please click on more info to visit our offers page. T&Cs apply.",
        "additionalInfoUri": "https://www.toyota.com.au/current-offers"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "5000.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Minimum loan term 12 months"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Maximum loan term 48 months"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      }
    ],
    "fees": [
      {
        "name": "Account Administration Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "8.00"
        },
        "currency": "AUD",
        "additionalValue": "P1M",
        "additionalInfo": "A monthly fee for the management of your loan account."
      },
      {
        "name": "Early Termination Fee",
        "feeType": "EXIT",
        "feeMethodUType": "variable",
        "variable": {},
        "currency": "AUD",
        "additionalInfo": "This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early. This fee can be avoided by continuing with scheduled loan repayments until the agreed completion date of the loan."
      },
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "395.00"
        },
        "currency": "AUD",
        "additionalInfo": "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"
      },
      {
        "name": "Information Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalInfo": "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."
      },
      {
        "name": "Late Payment Fee",
        "feeType": "LATE_PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "25.00"
        },
        "currency": "AUD",
        "additionalValue": "30",
        "additionalInfo": "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."
      },
      {
        "name": "On-charged Dealer Agency Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "912.25"
        },
        "currency": "AUD",
        "additionalInfo": "This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf."
      },
      {
        "name": "Payment Dishonour Fee",
        "feeType": "DISHONOUR",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.25"
        },
        "currency": "AUD",
        "additionalInfo": "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."
      },
      {
        "name": "Payment Method Fee - Bpay",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.50"
        },
        "currency": "AUD",
        "additionalInfo": "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."
      },
      {
        "name": "Payment Method Fee – Other",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": "This fee applies when a payment is made other than by Direct Debit or 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."
      },
      {
        "name": "Vehicle Security Registration Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register."
      },
      {
        "name": "Account Payment Card Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "currency": "AUD",
        "additionalInfo": "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."
      }
    ]
  }
}