Toyota man fishing
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. Finance your drive


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.

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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).

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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.

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Toyota Personalised Repayments

Thanks to Toyota Personalised Repayments[F6] that remain fixed for the life of the loan, your repayments won’t change. So, 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 Bill Robertson Toyota 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 (subject to fair wear and tear and agreed kilometres being met) 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. Finance expert Kochie helps explain each of the documents in the video below, and we have a printable checklist to make sure you have everything you need.

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
Payment Method Fee – Other (includes BillPay, Cheque or Direct Deposit) - $3
Account Payment Card Fee - $5
Payment Dishonour Fee - $3.25
Late Payment Fee - $25
Information Fee - $25
Early Termination Fee
Toyota Access for Business

Frequently Asked Questions

See below for some of our most commonly asked questions. If your query isn’t covered, please get in contact with us.

What Identification and Documents do I need to apply?What Identification and Documents do I need to apply?
How does Toyota Access work?
What if I drive extra kms?
If there's lots of damage, can I return my vehicle and claim the Guaranteed Future Value (GFV)?
Who decides the Guaranteed Future Value (GFV) and how is it calculated?
Is Toyota Access a lease?
What happens at the end of my loan?


Speak with a specialist

Contact us today and we'll help you get that new car feeling as soon as possible.


[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.

[F6]Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

[T4] The standard Toyota Warranty Advantage period is 5yrs, with unlimited kms, from delivery. Excludes vehicles used for a commercial purpose, such as taxis, hire vehicles and vehicles transporting people or goods for payment including rideshare. The commercial vehicle Toyota Warranty Advantage period is 5 years from delivery or 160,000kms (whichever occurs first). See or your vehicle’s Warranty and Service Book for T&Cs. This warranty does not limit and may not necessarily exceed your rights under the Australian Consumer Law.

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