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Personal Finance

Patricia Varga
Patricia Varga

Business/Finance Manager

Personal Finance

Drive away with the right car loan for you.

If you're looking for a new or used car we offer a variety of great loan options to get you into your new car sooner than you think. No one knows car finance like Toyota Finance.

Consumer Fixed Rate Car Loan

With so many new and used cars out there, it's not easy to find the right one for your needs. Luckily, car finance is a lot easier with our Consumer Fixed Rate Loan. Our car loan is a flexible way to get into the car you want - today.
Features and requirements

  • The security of a fixed interest rate for the term of the loan
  • A choice of loan terms ranging from 1-7 years
  • Financing all makes and models

Novated Lease

A Novated Lease provides a convenient and flexible way to make your vehicle payments directly out of your monthly salary.

  • Features and requirements
  • A three-way arrangement between you, Toyota Finance and your employer
  • Lease payments are taken over by your employer and are made from your pre-tax salary

Consumer Fixed Rate Car Loan

Puts you in the driver's seat.
With so many new and used cars out there, it's not easy to find the right one for your needs. Luckily, car finance is a lot easier with our Consumer Fixed Rate Loan. Our car loan is a flexible way to get into the car you want - today.

A Consumer Fixed Rate Loan offers you the following benefits:

  • The security of a fixed interest rate for the term of the car loan.
  • A choice of car loan terms, ranging from 1-7 years*.
  • Your choice of flexible payment options.
  • Financing all makes and models.
  • Finance for both Toyota and non-Toyota vehicles.
  • Flexible deposits with no minimum or maximum requirements.
  • The ability to make extra repayments, reducing the total interest payable.
  • The option to include a balloon final payment, which reduces monthly repayments.
  • Extra costs can be included in the amount financed, including on-roads, stamp duty, insurance, warranty and roadside assistance and CTP (where applicable)%.
  • Always know exactly how much you have to pay, making budgeting easier.
  • Borrow from as little as $5,000

Novated Lease

Novated Lease, a tax effective way to drive a new car.

A Novated Lease provides a convenient and flexible way to make your vehicle payments directly out of your monthly salary.
When you novate, you enter into a three-way agreement with your employer and Toyota Finance, where your employer takes responsibility for the lease on your behalf. Your employer pays the monthly car lease payments, and provides the vehicle for you to use as part of your salary packaging arrangement.

A Novated Lease offers:

  • The potential to save at tax time, where payments can be either a mix of pre and post salary reductions or entirely by way of pre tax salary reduction potentially reducing your taxable income.
  • Control and flexibility with a choice of any vehicle. Toyota or no-Toyota to suit your lifestyle.
  • Convenient and cashless motoring with all vehicle running costs, i.e. fuel and servicing to be included as part of the lease.

Novated Lease For Employees:

  • Fixed payments for the term of the Novated Lease.
  • A choice of car lease terms from 1-5 years.
  • The potential to access vehicle discounts through Toyota Fleet Management.
  • Certain extra costs can be included in the amount financed, including on-roads costs including stamp duty, registration and CTP (where applicable)%.

Novated Lease For Employers:

  • Access to discounts on servicing and maintenance when vehicle running costs are managed by Toyota Fleet Management.
  • No residual risk, as the residual value obligations always remain with the employee.
  • "Off the balance sheet" accounting for the employer.
  • Employers don't get lumbered with excess vehicles if an employee leaves as they take the vehicle with them.
  • The ability to offer a more attractive salary package and attract employees.
  • Reduced admin time and costs in comparison to company cars.
  • We can arrange Novated Leases for your employees, saving you time and money.

If the employee changes their employment during the term of the Novated Lease, payment obligations are transferred to the employee. The employee may, however, be able to novate the lease to their new employer or take over the full repayments by refinancing under an alternative finance contract with us or another financier. This means an employer won't be left with unwanted vehicles if an employee moves on.

 

Approved applicants only. Terms and conditions apply. This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, 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.