Buyer Tips

Buying a used car, made easy with Toyota

Our used vehicle loans offer flexibility, allowing you to tailor loan options according to your lifestyle and budget.

Toyota Access

Available for new, eligible demo, and Toyota Certified Pre-Owned Vehicles, a Toyota Access secured car loan gives you lower monthly repayments[F9] and a Guaranteed Future Value[F2], so you can live for today while taking care of tomorrow.

Benefits of Toyota Access

  • Lower monthly repayments[F9] than a standard car loan
  • Get a Guaranteed Future Value[F2] for your car
  • Option to trade, keep or return your vehicle when your loan ends
  • Decide on the deposit you want to pay – if any
  • Select a loan term of 3 or 4 years
  • Choose weekly, fortnightly, or monthly repayments

Fixed Rate Car Loan

Our fixed rate car loans allow you to choose your deposit amount, length of the loan, repayment frequency, and whether you want a balloon payment to reduce the repayments. We then lock in a fixed interest rate, so you’ll know exactly what your repayments will be upfront.

Depending on the purpose of the vehicle, you can choose between either a Consumer or Business Fixed Rate Car Loan (minimum amount financed is $5,000). ^

Benefits of a Fixed Rate Car Loan

  • You own the vehicle from day one of the loan
  • Choose from weekly, monthly or fortnightly repayments
  • Choose your loan term (up to 7 years)[1]
  • Choose from a wide range of used Toyota models
  • Option to include your on-roads, Insurance and Roadside Assistance in the financed amount.
  • Option to make extra repayments to reduce the total interest payable[2]
  • Option of a balloon payment to reduce repayments[3]



Video caption: See how Toyota Finance has helped over 1 million Australians get behind the wheel of their Toyota.


^Approved applicants only. Terms and conditions apply.

Finance is only available for vehicles manufactured post 2011

[1] The vehicle cannot be older than 13 years at the end of the loan.

[2]An early termination fee will apply if the loan is paid out before the end of the loan term.

[3] Balloon payments are subject to approval and lending guidelines.

[P9] Terms and conditions apply. Roadside assist expires 12 months from the vehicle purchase date. Toyota Extra Care is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

[F2]The Guaranteed Future Value (GFV) is the minimum value of your 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, 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, conditions, fees and charges apply. Toyota Access GFV products are available to approved customers of Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

[F9]Lower monthly repayments compared to a similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

Oh what a feeling