Toyota Finance

Why Finance with Phil Gilbert Toyota?

At Phil Gilbert Toyota our Business Managers have a wide range of specialist accreditations to work with you to find and tailor a car loan to best suit your personal or business needs. We offer Toyota finance for all makes and models, so we’re not limited to only offering Toyota car finance!

Getting you where you need to go

There are a range of Toyota Finance products to help get you on the road in your new Toyota. No matter which option you choose, our clearly defined process gives you the confidence of a personalised rate and flexible options to manage your vehicle loan. Calculate your unique Toyota Personalised Repayments[F6] before selecting a financing option that best suits you.

Car Finance Explained

Car Finance Explained

David Koch is here to make buying your next car much easier by explaining the basics of car finance.

Toyota Access

Toyota Access

Toyota Access is an innovative way to put yourself in control of your car loan when you’re buying a New, Eligible or Toyota Certified Pre-Owned vehicle.

Car Insurance

Car Insurance

Toyota Insurance is designed for your Toyota by the people who know it best. Find out more about our comprehensive cover or get a quote.

Here are just some of the advantages our Phil Gilbert Toyota finance guests receive:

  • Automotive specialists – Unlike the banks & other finance institutions, you will deal with professionally accredited automotive finance specialists. We exclusively deal with car finance. We can match you with the right car and with the best car finance Sydney has to offer.
  • Deal direct – No frustrating automated phone recording to deal with. Speak to a real Business Manager direct via phone or email. Better still, come in and see us in person. No appointment required. If it’s more convenient to come to you, we’re happy to do that too!
  • We have most approvals within 24 hours normally once all the required information is received. Certain circumstances might mean it can take a little bit longer.
  • After-hours access – We operate outside of banking hours and can facilitate Saturday approvals.
  • No deposit – 100% finance to approved clients.
  • No obligation – Don’t feel pressured, make an enquiry and know where you stand without feeling obliged to finance through us.
  •  Interest rates – We are able to provide fixed rates and repayments for all of our Toyota finance loans from 1 year through to 7 years. No more bill shock when interest rates change. Feel secure and have peace of mind.
  • Work to your budget – We can structure repayments around your weekly, fortnight or monthly budget. No need to stress. Odd length terms – no problem too! We can listen to your needs and tailor a solution to suit.
  • Protect your credit rating – We can offer protection packages both for loss of employment or ill health.
  • No hassles – Take the time to complete a finance application in the privacy of your own home, at a time convenient to you. Simply sign the forms when you take delivery of your vehicle.
  • Need to sell your existing car & it’s under finance – we can rollover any existing trade in debt to your new loan and take care of the payout.
  • One stop shop – Be it personal, small business, sole trader or a company requiring lease solutions – we cater for all options under one roof.
  • Protecting your data – Privacy of your data is everything to us. We will never sell or give your data to any third party provider – ever.

If you have any questions about financing your Toyota vehicle, such as whether or not you should lease or buy, contact us by using the button below. We look forward to hearing from you – helping find the right solution for people is our passion!

Our Finance Products

Finance made for you

There’s a Toyota for every kind of journey. There’s also a Toyota Finance product for every life journey. We’ve designed all of our loans and leases to be flexible so that you can shape them to your unique needs.

Lower monthly repayments

A Toyota Access Vehicle Loan can offer you lower monthly repayments[F9] than a regular car loan, a Guaranteed Future Value[F2] and a loan term between 1 and 4 years. At the end of your loan, your options are flexible, helping you stay agile and in control.

Pay off your loan on your terms

Our Fixed Rate Car Loan puts you in control. Decide on your deposit amount or decide not to have one at all. You also get to choose the length of your loan - anywhere between 1 and 7 years - and how often your repayments are due. And best of all, at the end of the loan, the vehicle is yours to keep.

Flexible finance products for your business needs

Explore our financing range, tailored to suit you and your business.

Novated lease for employees

Bundle the costs of owning a car into one monthly payment from your salary package.

Novated lease for employers

The smart way to mobilise your staff.

Fixed Rate Loan for business

Gear up to grow your business vehicle needs with confidence.

Fleet Services and Products

We have a variety of products and services to assist you.

Toyota Car Insurance[F7]

Designed for your Toyota by the people who know it best

Get the only car insurance cover built specifically for Toyota vehicles. Whatever happens to your Toyota, you know you’ll receive Toyota Genuine Parts for authorised repairs within the manufacturer’s new vehicle warranty period and a lifetime repairs guarantee when an authorised Toyota repairer works on your car with Toyota Comprehensive Car Insurance[F7]. Plus, receive a new replacement if your Toyota is less than three years old and damaged beyond repair.

  • Disclaimer

    [F2] The Guaranteed Future Value (GFV) is the minimum value of your Toyota at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota Finance at the end of your term, Toyota Finance will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Toyota Access GFV products are available to approved customers of Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

    [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.

    [F7] Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS and Target Market Determination for the relevant product available from participating Dealers, via our website at or by calling 137 200. Toyota Car Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Toyota Car Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Car Insurance is purchased online, the issuer and insurer is Adica.

    Toyota Roadside Assist is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

    [F9] Lower monthly repayments compared to a similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

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.