Toyota Finance 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.
- Comparison rate, from
- Not published
- Establishment fee
- $395
- Monthly fee
- $8
- Borrow
- From $5,000
Interest rate a year, from
Not published
Loan details
Rates
- Interest rate (a year)
- Not published
- Comparison rate (a year)
- Not published
- Rate type
- Not published
- Security
- Not published
Limits and fees
- Loan amount
- From $5,000
- Loan term
- 1 year to 4 years
- Establishment fee
- $395
- Monthly fee
- $8
How it compares
Against the other car loans we compare. Typical means the middle half of them.
Setup fee
$395
A typical setup fee is $520.
Monthly fee
$8
A typical monthly fee is $13.
Longest term
4 years
5 years is the usual longest term.
Pros and cons
Pros
- Extra repayments. Paying more than the minimum pays the loan off sooner and cuts the interest you pay.
Cons
- A $8 monthly fee. That adds $480 over 5 years, as well as the interest.
- An early repayment fee. Paying the loan off early or refinancing can cost a fee, which cuts into what you save by repaying sooner.
- A $25 late payment fee. Setting up automatic repayments avoids it.