--- title: "Personal Fixed Rate Car Loan — Toyota Finance" description: "Personal Loans from Toyota Finance. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/toyota-finance/products/10 source: "CDR Compare" language: en-AU last_updated: 2026-06-30T01:26:06Z --- # Personal Fixed Rate Car Loan — Toyota Finance > Personal Loans from Toyota Finance. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans · Negotiable rates** Get personalised car finance that’s tailored to you. With a fixed interest rate that doesn't change for the life of your loan, your ideal Toyota is within reach. ## Apply Applications are handled by the provider: [Apply at Toyota Finance](https://www.toyota.com.au/car-finance/personal-fixed-rate-loan#apply) ## Fees | Fee | Type | Amount | | --- | --- | --- | | Account Administration Fee — Charged monthly · A monthly fee for the management of your loan account. | Ongoing | $8.00 | | Early Termination Fee — 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. | Exit | Variable | | Establishment Fee — 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. | Upfront | $395.00 | | Information 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. | Event | $25.00 | | Late Payment Fee — 30 · 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. | Late payment | $25.00 | | On-charged Dealer Agency Fee — This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf. | Upfront | $912.25 | | Payment Dishonour Fee — 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. | Dishonour | $3.25 | | Payment Method Fee - Bpay — 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 | $1.50 | | Payment Method Fee – Other — 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. | Payment | $3.00 | | Vehicle Security Registration Fee — The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register. | Upfront | $6.00 | | Account Payment Card Fee — 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. | Event | $5.00 | ## Features - **Toyota Personalised Rate: Using smart and sophisticated software, our dealers will calculate an interest rate that’s personalised for you.** - **Choose any Toyota: Select the Toyota that’s right for you from our range of new and used models.** - **Freedom of choice: Customise your deposit amount, your repayment term (up to 7 years) and your repayment frequency.** - **Convenience: You can incorporate on-road costs related to the purchase of your vehicle into your personal fixed rate car loan. your repayment term (up to 7 years) and your repayment frequency.** - **End of Loan Options: At the end of your loan, you take unencumbered ownership of the vehicle, provided you have made all payments under the contract. If there is a balloon payment, then the customer can either pay this in full or apply to refinance the balloon. A balloon refinance is subject to our standard lending criteria (terms, conditions, fees and charges apply).** - **Extra repayments** - **Digital banking** - **To view Toyota Finance's current finance offers, please click on more info to visit our offers page. T&Cs apply.** ## Eligibility - **Minimum age** — 18 years ## Constraints - **Minimum limit** — $5,000.00 - **Minimum loan term 12 months** - **Maximum term 84 months** ## More information from Toyota Finance - [Overview](https://www.toyota.com.au/car-finance/personal-fixed-rate-loan) - [Eligibility](https://www.toyota.com.au/-/media/toyota/main-site/page-data/tfa/car-finance/shared-files/20260304_tfa287_0326_updated.pdf) ## Data provenance - Published by Toyota Finance under the Consumer Data Right - Product ID: `10` - Last updated by the provider: 30 June 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/toyota-finance/10 - Provider page: https://www.cdrcompare.au/brands/toyota-finance --- Source: [CDR Compare](https://www.cdrcompare.au/brands/toyota-finance/products/10) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. 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