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!

Our Finance Products

Choose what’s right for you

There’s a range of Toyota Finance solutions to help get you on the road in your new Toyota.

Toyota Access Loan

Designed to keep your repayments low


Up to 4 years loan term

Fixed rate for loan duration

Toyota Personalised Rate and Repayments[F6]

Flexible end of loan options (Trade, Keep, Return)

Guaranteed Future Value[F2]

Lower monthly repayments[F9]

Fixed Rate Car Loan

Control the speed you pay off your loan


Up to 7 years loan term

Fixed rate for loan duration

Toyota Personalised Rate and Repayments[F6]

 


Introducing Toyota Finance Full-Service Lease[F6]

The all-in-one way to drive. Conveniently bundle running costs including servicing and maintenance, registration, CTP, tyre replacements, insurance[F11] and Roadside Assist into one simple ongoing monthly payment.

Flexible finance solutions for used vehicles

With used car finance options to suit your needs, choose from a Toyota Access Loan or Toyota Fixed Rate Loan and finance your next used vehicle with ease.


 

Toyota Personalised Repayments[F6]

Interest rate and repayments true to you

Toyota Personalised Repayments[F6] is an online quote tool to get your estimated repayments without a credit check.

3 minute quote

3 minute quote

We calculate your interest rate, comparison rate and repayments – tailored to your unique financial circumstances.

Calculate repayments

Calculate repayments

Choose a Toyota, your deposit amount (if any), the frequency of your repayments and loan term, then estimate how many kilometres you’ll drive.

Estimated repayments across the entire range

Estimated repayments across the entire range

Once you have your personalised repayment, you can then compare vehicles across the entire Toyota range.

Everything you need to know about
Toyota Personalised Repayments[F6]

Get Started
 

Toyota Finance for Business

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.

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.

 

Manage Your Finances

Existing finance customers

Manage your Toyota Finance Online

Manage your Toyota Finance Online

Discover our all-in-one finance portal where you can access statements, track your repayments and manage your finance account online on any device, at any time.

Manage your Toyota Novated Lease

Manage your Toyota Novated Lease

Find out how you can lease a car using salary packaging, with Toyota Novated Lease.


Disclaimers

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. 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.

[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, conditions, fees, charges & lending criteria 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. Before making a decision about this product please read the current Product Disclosure Statement (PDS) available from participating Toyota Dealers, via our website toyotainsurance.com.au or by calling 137 200. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282 AFSL Number 443540. Our insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our policies for the benefits covered are in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our policies even if you have rights under the law.

[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.

[F10] Upgrade subject to eligibility and lending criteria. Terms and conditions apply.

[F11] Terms, conditions and insurance excess applies, refer to the Full-Service Lease Insurance Guide for details available from https://www.toyota.com.au/car-finance/full-service-lease. Toyota Finance Australia Limited (TFA) has arranged insurance cover under a master Policy for Lessees (and their authorised Drivers) who have entered into a Full-Service Lease. TFA is the holder of the Policy and cover is extended to Lessees and their authorised Drivers.

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!