Toyota Access Loan

Finance you drive

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Toyota Access Loan

Toyota Access puts you in the driver’s seat. With a Toyota Access Loan, you can drive the Toyota you want today with the knowledge that the future is taken care of.


Your benefits with Toyota Access

Ready to unlock the future? No matter where you’re going, Toyota is with you every step of the way. So, as your lifestyle changes or your business grows, gain the flexibility and assurance you need to take on the road ahead.

Toyota Access Loan - Guaranteed Future Value

Guaranteed Future Value[F2]

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).

Toyota Access Loan - End of loan options

End of loan options

When your Toyota Access Loan or when your loan ends, you will have three flexible options to choose from: trade, keep or return.

Toyota Access Loan - Personalised Repayments

Toyota Personalised Repayments

Toyota Personalised Repayments[F6] remain fixed for the life of the loan. Total transparency, no nasty surprises.

End of loan options

When your loan term ends, you’re in control of what happens next. You can either trade in to a new model, keep the vehicle (either through refinancing or paying it off outright), or return the vehicle to us for the Guaranteed Future Value[F2] (subject to fair wear and tear and agreed kilometres being met).

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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 and put it against the remaining balance owing on your account.


Step 1: 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.

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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

After getting your Toyota Personalised Repayment[F6], we calculate your Toyota Personalised Repayment[F6] schedule and offer you a competitive fixed rate loan.

Step 2: Get your documents ready

Before applying for car finance, there are several documents you need to have ready. We have a printable checklist to make sure you have everything you need.

Your Checklist

Care that continues

With ongoing support and reliability you can count on, rest assured that if anything happens, your Toyota is in safe hands.

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Superior quality

Future-proof your Toyota and keep it looking and feeling its best. Get 5-year unlimited kilometre warranty cover with Toyota Warranty Advantage[T4]. With Toyota Genuine Service, our Toyota-trained technicians fit only Toyota Genuine Parts.

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Toyota Dealer network

When you get a Toyota, you’ll gain access to Australia’s largest Dealer network committed to giving you the best value year after year.


Genuine peace of mind

Designed by the people who know your Toyota best, our Insurance products ensure you’re covered with a lifetime repair guarantee, genuine Toyota parts and new replacement Toyota (or agreed value for TCPO vehicles) after a total loss.

Toyota Access Loan - Ready to get finance quote
Toyota Access Loan - Ready to get finance quote

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

Toyota Access for Business

Toyota Access for Business

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.

Contact A Dealer

Frequently Asked Questions

Toyota Finance Portal

Log in or register to manage your Toyota Finance.


Speak with a specialist


Call 137 200

Get your Toyota Personalised Repayments[F6] today

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Choose your Toyota

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