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Toyota Access Loan

Flexible car finance that’s tailored to your needs

A Toyota Access Loan means you can drive the Toyota you want today with the knowledge that the future is taken care of.

Why choose a Toyota Access Loan?

Access the future with Toyota Access and know exactly how much your car will be worth to us at the end of your car loan (subject to fair wear and tear and agreed kilometres being met). When your loan ends, you will have three flexible options to choose from. And, thanks to Toyota Personalised Repayments[F6] that remain fixed for the life of the loan, your repayments won’t change. So, no nasty surprises.

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Lower monthly repayments[F9] with a Guaranteed Future Value[F2]

Your Guaranteed Future Value[F2] helps you to plan for the future with confidence, and you could also end up paying less per month than with a standard car loan. From the first day of your loan, you'll know your monthly repayments and the value of your Toyota at the end of your loan, as determined by us.

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A Toyota Access Loan gives you more options

With Toyota Access your balloon payment won't be larger than what your vehicle is worth to us, a Toyota Access Loan provides clear options at the end of your loan period. You can use your Guaranteed Future Value[F2] to trade up to another vehicle, refinance the remainder, buy the vehicle outright or simply walk away with nothing more to pay (subject to fair wear and tear guidelines, agreed kilometres and contract conditions being met).

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Know what’s ahead

It can be worrying not knowing what the future holds. With a Toyota Access Loan, you can see exactly where you’re headed.

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Keep your options open

There’s more than one way to end your Toyota Access Loan. We’ll give you all the choices upfront, to do what suits you best when the time comes.

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Stay in control

Design your Toyota Access Loan to suit you. You decide on your deposit amount, term length and repayment frequency to calculate your Guaranteed Future Value[F2].

Getting your Toyota Access Loan quote

We give you the power to choose exactly how the life of your Toyota Access Loan will play out. You’re in control every step of the way.

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Enter details

Choose a Toyota, your deposit amount (if any), the frequency of your repayments and loan term, then estimate how many kilometres you’ll drive.

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Calculate repayments

Toyota Finance analysts calculate your vehicle’s Guaranteed Future Value[F2] based on your choices and market data.

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Finance breakdown

Using your Toyota Personalised Repayment[F6] and your Guaranteed Future Value[F2], we offer you a competitive fixed rate loan.

End of loan options

When your loan term ends, you have three options: trade in for a new model, keep the vehicle, through refinancing or paying it off outright, or return the vehicle to us for the Guaranteed Future Value[F2].

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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.

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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).

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If you’d like to return your car, Toyota Finance will pay you the Guaranteed Future Value [F2] agreed at the start of your loan (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account.

How to apply

Before applying for car finance, there are several documents you need to have ready. Finance expert Kochie helps explain each of the documents and we have a checklist you can print out to make sure you have everything you need.

Toyota access loan lifestyle shot
Toyota access loan lifestyle shot


Ready to get a finance quote?

Use our online calculator to work out your Toyota Personalised Repayments[F6] and repayment costs for your new Toyota.


Fees that will apply
Dealership fees

Fees that might apply


The choice is yours

Just like a personal Toyota Access Loan, you have the power to choose the terms that perfectly match your business needs. Feel secure knowing that as your business grows you’ve got the options you need to stay flexible.

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Fixed interest rates

Business can be unpredictable, a Toyota Access Loan isn’t. Enjoy fixed rates for the life of the loan.

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Guaranteed Future Value[F2]

Gain peace of mind knowing how much your Toyota will be worth to us at the end of your loan (subject to fair wear and tear and agreed kilometres being met).

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Flexible options

At the end of the loan, you’re free to make the right decision for your business. Return the vehicle, trade in, refinance or buy outright.

What’s next?

If you’re ready to get the wheels moving on a Toyota Access Loan then there are just a couple of steps to get it underway.

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Get your Toyota Personalised Repayments[F6] today

It only takes a couple of minutes to calculate your Toyota Personalised Repayments[F6] and interest rate. You’re then able to use the calculator to see how much your dream Toyota vehicle will cost you for the duration of your loan.

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Contact a dealer

Once you’re happy with your quote, you can contact your chosen Toyota dealer. They’ll be able to answer any of your questions and help you start your Toyota Access Business Vehicle Loan application.

Frequently Asked Questions


Target Market Determination document available here

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Choose your Toyota

We’ll help you build it, price it and calculate your Toyota Access finance.




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