Toyota FinancePersonal Fixed Rate Car Loan
Get personalised car finance that’s tailored to you. With a fixed interest rate that doesn't change for the life of your loan, your ideal Toyota is within reach.
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
- Establishment Fee
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…
$395 - On-charged Dealer Agency Fee
This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.
$912.25 - Vehicle Security Registration Fee
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.
$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
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 D…
$1.50 - Payment Method Fee – Other
This fee applies when a payment is made other than by Direct Debit or 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 repaym…
$3
If a payment is late or fails2
- Payment Dishonour Fee
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 cha…
$3.25 - Late Payment Fee
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 Ar…
$25 30 days after it's due
When particular things happen2
- Account Payment Card Fee
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 Dir…
$5 - Information Fee
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, downl…
$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
- Toyota Personalised Rate: Using smart and sophisticated software, our dealers will calculate an interest rate that’s personalised for you.
- Choose any Toyota: Select the Toyota that’s right for you from our range of new and used models.
- Freedom of choice: Customise your deposit amount, your repayment term (up to 7 years) and your repayment frequency.
- Convenience: You can incorporate on-road costs related to the purchase of your vehicle into your personal fixed rate car loan. your repayment term (up to 7 years) and your repayment frequency.
- End of Loan Options: At the end of your loan, you take unencumbered ownership of the vehicle, provided you have made all payments under the contract. If there is a balloon payment, then the customer…
- To view Toyota Finance's current finance offers, please click on more info to visit our offers page. T&Cs apply.
Eligibility and limits
- Minimum age 18
- Amount from $5,000, no maximum
- Minimum loan term 12 months
- Maximum term 84 months
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Published by Toyota Finance under the Consumer Data Right, last changed by them on 30 June 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.