Lexus Financial ServicesConsumer Fixed Rate Loan
Tailored to your circumstances, a Consumer Fixed Rate Loan provides you with the security of a fixed interest rate for the term of your vehicle loan. Providing you with great flexibility to choose your vehicle, your loan term, your payment option and deposit amount (if any), the Consumer Fixed Rate Loan can get you into the Lexus you want.
At a glance
- Pricing
- Rates on application
- Loan size
- $5,000 to no maximum
- Upfront fee
- $395
- Monthly fee
- $8
Fees
11 fees published, grouped by when they're charged.
- When you take it outUp to $912.253 fees, each listed below
- While you hold it$8 a monthAccount Administration Fee
- When you close it or pay it offVariesEarly Termination Fee
When you take it out3
- Dealer Agency Fee
This fee covers the dealership’s cost of preparing your finance application on Lexus Financial Services’s behalf. The Lexus Financial Services Finance & Insurance Manager within the dealership is res…
$912.25 - Establishment Fee
The cost to set-up your approved loan with Lexus Financial Services. It is payable upon loan settlement, and can be included within the amount financed. This is referred to in your contract as your L…
$395 - Vehicle Security Registration Fee
The cost of Lexus Financial Service’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register. This is a national online register to help protect consum…
$6
While you hold it1
- Account Administration Fee
A monthly fee for the management of your loan account.
$8 a month
When you make a transaction2
- Payment Method Fee - BPay
When it applies: Processing each payment made by BPay. Set up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.
$1.50 - Payment Method Fee – Other (includes BPay, Cheque or Direct Deposit)
When it applies: Processing each payment made by BPay, Cheque, or Direct Deposit. Set up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.
$3
If a payment is late or fails2
- Payment Dishonour Fee
When it applies: If your Direct Debit or Cheque payment is dishonoured. Check that your account has sufficient funds when payments are due to be debited. You can also change the date of your payments…
$3.25 - Late Payment Fee
When it applies: If you’re late or miss a repayment, and your account goes into arrears and you are contacted by LFS. Lexus Financial Services will contact you about the overdue amount, and this is m…
$25 30 days after it's due
When particular things happen2
- Account Payment Card Fee
When it applies: For replacement; supplementary; or new payment cards when you switch from Direct Debit to another payment method after the loan start date. Switch to Direct Debit payments and all yo…
$5 - Information Request Fee
If you request contract documentation by calling the Lexus Financial Services National Customer Solutions Centre. You can view, download, and print your loan documentation online without incurring th…
$25
When you close it or pay it off1
- Early Termination Fee
This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to h…
Varies
Features
- A personalised interest rate that is fixed for the life of the loan.
- Select the new or used Lexus that’s right for you.
- Customise your deposit amount, your repayment term (1-7 years) and your repayment frequency.
- Incorporate on road costs into your fixed rate loan.
- HOW DOES IT WORK? Get in touch with your preferred Lexus Dealer Decide on your loan payment details Pay a deposit (or don’t), that’s your choice Driveaway in your new or used Lexus or non-Lexus vehic…
- To view Lexus Financial Services' current finance offer, please click on more info to visit our offer’s page. T&Cs apply.
Eligibility and limits
- Minimum age 18
- Amount from $5,000, no maximum
- Minimum loan term 12 months
- Maximum loan term 84 months
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Published by Lexus Financial Services under the Consumer Data Right, last changed by them on 11 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.