Toyota FinanceToyota Access for Personal Use
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). When your Toyota Access Loan ends, you will have three flexible options to choose from: trade, keep or return. Your repayments remain fixed for the life of the loan. Total transparency, no nasty surprises.
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
- Get started with your personalised interest rate. It only takes 3 minutes to calculate your Toyota Personalised Rate. Armed with your personalised interest rate, you’re able to see what your estimate…
- End of Loan Options (1) Trade: Visit your preferred dealer 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 differe…
- End of Loan Options (3) Return: If you’d like to return your car, Toyota Finance will pay you the Guaranteed Future Value agreed at the start of your loan and put balance owing on your account. it ag…
- End of Loan Options (2): 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).
- 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 loan term 48 months
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Published by Toyota Finance under the Consumer Data Right, last changed by them on 1 July 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.