Personal Vehicle Loan Options

Get personal 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.


Why choose Toyota Personal Fixed Rate Car Loan?

We know financing can be confusing, so we’re here to make things easier. Get personalised car finance that allows you to purchase any type of vehicle, new or old, and customise your loan terms to suit you.

Toyota Personalised Rate

Toyota Personalised Rate

Using smart and sophisticated software, our dealers will calculate an interest rate that’s personalised for you.

Choose any Toyota

Choose any Toyota

Select the Toyota that’s right for you from our range of new and used models.

Freedom of choice

Freedom of choice

Customise your deposit amount, your repayment term (up to 7 years) and your repayment frequency.



You can incorporate on road costs related to the purchase of your vehicle into your fixed rate personal car loan.

How it works

How getting a Fixed Rate Car Loan works

If you’ve decided that a Personal Fixed Rate Car Loan is the best option for you, getting started couldn’t be easier.

Select your preferred Toyota

Select your preferred Toyota

New or used, drive the car that’s right for you.

Decide on your personal loan payment details

Decide on your personal loan payment details

Stay in complete control of what and when you pay back.

Put down a deposit (or don’t)

Put down a deposit (or don’t)

A deposit can be paid upfront to reduce your loan amount.

Talk to your nearest dealer

Talk to Phil Gilbert Toyota

And start the application process!

What do I need to apply?

Before applying for Car Finance there are several documents you need to have ready. We have a checklist you can print to make sure you have everything you need.

Fees that will apply

Establishment Fee - $395
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 Establishment Fee.

Vehicle Security Registration Fee - $6
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.

Account Administration Fee - $8/month
A monthly fee for the management of your loan account.

Dealership fees

On-charged Dealer Agency Fee - $890 +GST
This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.
The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you, and arranging all the necessary paperwork to submit, manage and finalise your finance application.


Check out Toyota Insurance products

Roadside Assistance

Day or night, we’ll be there if you need us.

Learn More

Comprehensive Car Insurance

Cover your Toyota with a policy designed by the people who know it best.

Learn More

Toyota Personalised Repayments[F6]

Long gone are the days of one-size-fits-all fixed rate personal car loans. Using smart and sophisticated software, we will calculate an interest rate that's personalised for you.

Frequently Asked Questions

What Identification and Documents do I need to apply?

To apply for car finance you will need to provide the following

Proof of Identity

  • Driver’s license – at least one person on the finance application
  • Passport or Proof of Age card

One of the following:

  • Valid Medicare
  • Valid Credit/Debit card
  • Valid Veteran card

Proof of income – one of the following combinations


  • Pay slip including year to date summary (unless Jul/Aug) or
  • 3 x consecutive payslips (if no YTD or Jul/Aug) or
  • Employment contract and 3 months bank statement
  • (if recently started)

Self Employed

  • Tax Return or
  • Business Financials


Proof of residence

Home owner/buyer

  • Rates notice


  • Tenancy Agreement

Boarding or living with parents

  • Proof of address

Understanding of monthly expenses – you will be asked about your current monthly expenses. It is best to be prepared with a list of your monthly expenses.

We have a checklist you can print to make sure you have everything you need.

PDF Checklist

What is the current interest rate offered by Toyota Finance?
All of our guests receive a Toyota Personalised Rate when applying for finance. Our sophisticated software calculates your interest rate based on your credit score and other personal criteria determined by us. This means you get a rate that is based on your individual circumstances.

Toyota Finance is committed to providing you with quality finance options tailored to your individual needs and lifestyle. And with Toyota’s Personalised Rates, you can be confident that you are getting a fair and transparent interest rate for your loan.

What is Toyota Finance Online?
Toyota Finance Online is the easy way to manage your Toyota Finance account. You can access your finance account online at a time that suits you.

  • View account balances
  • View contract details
  • Calculate a payout quote
  • Generate statements
  • Update your payment or contact details

Download your MyFinance Portal app for iPhone®* or Android™️** or login online now.

* iPhone® is a trademark of Apple, Inc. registered in the U.S. and other countries.
** Android™ is a trademark of Google LLC.

How can I access my Toyota Finance Online account?
To access your account you will first need to register. Go to Toyota Finance Online, select the “Not Registered?” link, then enter your details and create your password.

You will need your Customer ID number. You can find it in the welcome letter you received at the start of your loan or any other letter that we have sent you.

  • Disclaimer

    The information provided on this website by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and 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.

    [F6] Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

Get your personalised quote for any vehicle model. Just three easy steps and all in as little as 3 minutes without impacting your credit score.

Generate your own insurance quote with our online tool. Simply type in a few details about you and your vehicle and your instant quote will pop up.