Toyota Access

Fees that will apply

Establishment Fee

$395

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.
Vehicle Security Registration Fee

$6

The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.
Account Administration Fee

$8/month

A monthly fee for the management of your loan account.

Dealership fees

On-charged Dealer Agency Fee

$912.25

This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.

The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you, and arranging all the necessary paperwork to submit, manage and finalise your finance application.

Fees that might apply

Payment Method Fee – BPay

$1.50

This fee applies when a payment is made by BPay.

You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.
To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit)

$3

This fee applies when a payment is made by BillPay, cheque, or direct deposit.

You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.
To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
Account Payment Card Fee

$5

This fee applies for replacement; supplementary; or new payment cards when you switch from Direct Debit to another payment method after the loan start date.

You can avoid this fee by setting up a Direct Debit on all your future repayments, so you don’t pay fees on your regular repayments.
To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
Payment Dishonour Fee

$3.25

This fee applies if your Direct Debit or Cheque payment is dishonoured.

You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited.
You can also change the date of your payments by contacting us.
Late Payment Fee

$25

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.
Information Fee

$25

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.
Early Termination Fee

$750.00 multiplied by the number of whole months after the date of termination to the end of the contracted term, divided by the number of whole months in the contracted term.

This fee applies if your loan is repaid before its scheduled end date.
You can avoid this fee continuing with your scheduled loan repayments until the agreed completion date of the loan.

Toyota Personalised Rate[F6]

Using smart and sophisticated software, we’ll use your credit score and other relevant criteria to get repayments and an interest rate through Toyota Access that’s tailored to your unique circumstances. Getting a quote will not affect your credit score.