
Personal Fixed Rate Car Loan
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.
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 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. |
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
Eligibility
- Minimum age — 18 years
Constraints
- Minimum limit — $5,000.00
- Minimum loan term 12 months
- Maximum term 84 months
More Information
Published by Toyota Finance under the Consumer Data Right · Last updated 30 June 2026 · Product ID 10