Toyota Access for Personal Use
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.
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. |
Features
- 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.
- 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).
- 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
- Extra repayments
- Digital banking
- 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).
Eligibility
- Minimum age — 18 years
Constraints
- Minimum limit — $5,000.00
- Minimum loan term 12 months
- Maximum loan term 48 months
More Information
Published by Toyota Finance under the Consumer Data Right · Last updated 1 July 2026 · Product ID 40 · View Source Data (JSON)