Toyota Finance Sydney

  • Toyota Finance
  • Toyota Insurance
  • Toyota Access
  • Finance Calculator

Personal Vehicle Loan

When you're looking to purchase a new or used motor vehicle for personal use, a Toyota Finance Personal Vehicle Loan is a fast and flexible way to get into the car you want today.

Features and Requirements

  • The security of a fixed interest rate for the term of the loan
  • A choice of loan terms ranging from 1 - 7 years

Novated Lease

A Novated Lease can be an attractive salary packaging option that may give you greater flexibility, where your employer deducts the vehicle payments from your pre-tax salary.

Features and Requirements

  • A three-way arrangement between you, Toyota Finance and your employer
  • Lease payments are taken over by your employer and are made from your pre-tax salary

Vehicle Insurance

At Toyota Insurance we understand that your vehicle is a critical part of your life, so we can offer you reliable and affordable protection in case the unexpected happens.

Warranty Insurance

Ensure your vehicle is covered for the repair or replacement of any component that is found to be defective in materials or workmanship long after your new vehicle warranty has expired.

Finance Insurance

Our insurance products may help to protect you from financial loss and personal inconvenience.

Roadside Assist

Help is never more than a phone call away. Toyota Extra Care Roadside Assist will be there for you 24 hours a day, 7 days a week, every day of the year, giving you complete peace of mind.

Toyota Access

Introducing Toyota Access[T14]. All new levels of affordability, flexibility and assurance can now come standard with every new Toyota.

Enjoy the security of real guarantees and say goodbye to the uncertainties you've come to expect from traditional methods of car ownership.

How Toyota Access Works

Toyota Access[T14] is an easy and flexible way to put you in complete control when you're buying a new car.

The great thing about Toyota Access is it enables you to choose the car you really want today and still keep your options open tomorrow. Whatever stage you're at in life - going off to university, starting out on a career, settling down with a family or getting your life back as the kids leave home - you can have confidence about what's ahead. Toyota Access puts you in the driver's seat with affordability, flexibility and assurance.

You control the details

You Control The Details

With Toyota Access, you get to choose your deposit and loan term (up to 48 months/4 years) when you buy your new Toyota and you also get to choose what to do with your car when the term is over; trade, keep or return the car.

Toyota Access takes the worry out of buying a car and provides great reassurance because Toyota guarantees the future value of the car. The Guaranteed Future Value is the minimum value of your New Toyota at the end of the loan term and is the amount Toyota Finance will pay you and be put against your final payment should you decide to return your car at the end of the term.

And, because Toyota Access comes with low monthly repayments and a short loan period, you can upgrade to any New Toyota without worry or hassle[T16].

At the time of purchase

At The Time Of Purchase
  • 1. Select your new Toyota.
  • 2. Nominate the deposit you'd like to pay, if any.
  • 3. Choose your term and number of kilometres you expect to travel over the term.
  • 4. Toyota Finance will calculate the Guaranteed Future Value of your new Toyota.
  • 5. Toyota Finance will then calculate your monthly repayments, with a final payment equal to your Guaranteed Future Value.

Tailor your own affordable package

Tailor Your Own Affordable Package

Once you've chosen the vehicle you want, simply tell us if you'd like to pay a deposit (if so how much) and how long you'd like the agreement to last for.

Then you tell us the amount of kilometres you expect to do and based on this, we will work out the Guaranteed Future Value of the car. So you know exactly where you stand and can confidently plan your budget, way ahead.

We'll then put together an affordable monthly payment schedule. Obviously, the more deposit you pay the less the repayments will be. And the shorter your loan term is, the sooner you can trade up or down to a new Toyota model.

You decide what to do next

You Decide What To Do Next

At the end of the agreement, you are still in control. You can decide whether to:

  • Trade in or sell your Toyota - use the trade-in value or sale price to pay the remaining balance of your account.
  • Keep your Toyota - simply pay the outstanding balance (including the final payment). We can help you refinance the balance if you don't have the cash on hand (conditions apply).
  • Return your Toyota - we'll pay you the GFV* we agreed at the start of your term and put it against the remaining balance owing on your account (subject to Fair Wear and Tear conditions and agreed kilometres being met).

*[T14] Guaranteed Future Value (GFV) is the minimum value of your new Toyota at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota at the end of your term, Toyota Finance will pay you the agreed GFV amount which will be put against your final payment, subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms and conditions, fees and charges apply. Toyota Access Guaranteed Future Value (GFV) products are available to approved customers of Toyota Finance a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536.

Terms and conditions, fees and charges apply. Toyota Access Guaranteed Future Value (GFV) products are available to approved customers of Toyota Finance a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536.



* This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided and does not take into account your personal needs and financial circumstances. If you apply for a loan your interest rate will be based on your individual credit assessment. Terms and conditions apply. We will not store the information provided in this calculator.

Sales Department

Cnr. Pittwater & Harbord Rds
Brookvale 2100

Phone: (02) 9939 7766

Opening hours
  • Mon - Sat: 8:30 AM - 5:30 PM
  • Sun: 10:00 AM - 5:00 PM
Map & Driving Directions Finance Enquiry

Brookvale