How Personal Toyota Access works - End of Term

When your loan term ends, you have the choice of three flexible options. You’ll just need to let your Toyota Dealer know what you would like to do between 120-70 days before your car loan term ends.

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Trade – If you’d like to upgrade your Toyota for a new model, visit your preferred dealer. If the trade-in value is higher than your outstanding loan balance, you can put the difference towards your new Toyota, or you can keep it.

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If you’d like to keep your Toyota, simply pay the remaining balance owing on your loan (including the final payment), or we can help you refinance that amount, if you don’t have the cash on hand (conditions apply).

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

Returns Guide

To find out more about the returns process, we’re here for you with a step by step guide to returning your Toyota.


About Fair Wear and Tear

Fair wear and tear is important if you want to take advantage of the return option. Our Fair Wear and Tear Guidelines  take into account the condition of your car based on the loan term chosen and agreed kilometers. In our comprehensive guide, you will find examples of what is acceptable and unacceptable fair wear and tear, and as part of fair wear and tear, you have a number of obligations for the care of your vehicle throughout the term of your car loan including its maintenance, appearance and mechanical condition.

Of course, If you decide to trade-in for a new car or decide to sell it privately, you don’t have to meet our fair wear and tear guidelines. However, the condition of your car will impact the price you can expect to get.

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Ready to get started?

Contact your preferred Toyota Dealer to find out how Toyota Access can work for you

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Need to think about it?

Download the Toyota Access brochure to see how a Toyota Access Car Loan can work for you.

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