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East & South Toyota
Your Toyota, your finance, all in one place
Whether you're buying your first car, upgrading the family vehicle or adding to your business fleet, we're here to make financing your next vehicle straightforward.
At East & South Toyota, you can arrange your vehicle, finance and insurance all in one place, with the support of our experienced onsite Business Managers.
Working with Toyota Financial Services and Toyota Vehicle Insurance, our team can help you explore flexible options, understand the costs and choose a solution that suits your needs and budget.
From your first enquiry to driving away in your new vehicle, we're here to make the process as easy as possible.
Personal Vehicle Finance
Finance for new, demonstrator and used vehicles, with repayments and terms tailored to your circumstances.
Business Vehicle Finance
Finance and leasing options for sole traders, small businesses and larger vehicle fleets.
Toyota Vehicle Insurance
Help protect your Toyota with vehicle insurance that can be arranged while you organise your new vehicle.
Personal Vehicle Options
There is no single finance option that suits every driver. Our Business Managers can explain the choices available and help you compare the repayments, total cost and end of term options.
Standard Credit Contract
A straightforward way to finance a new or used vehicle. Choose an agreed loan term and repayment frequency, with the option of including a final balloon payment where suitable.
Once all payments and other obligations under the contract have been completed, the vehicle is yours.
This may suit you if:
- You intend to keep your vehicle for several years
- You prefer a clear repayment schedule
- You want the option to structure repayments around your budget
Guaranteed Future Value
Guaranteed Future Value gives you greater certainty about what your eligible Toyota may be worth at the end of the agreed term, provided the contract conditions are met.
At the end of the term, you can choose to:
- Trade your Toyota for another vehicle
- Keep it by paying or refinancing the outstanding amount
- Return it, subject to the applicable terms and conditions
This may suit you if you like driving a newer Toyota and want clear options at the end of your finance term.
No deposit finance
Depending on the vehicle, current offers and your approved application, no deposit vehicle finance may be available.
Toyota Finance uses your credit profile and other relevant information to determine a personalised interest rate. Our onsite Business Managers will explain the applicable rate, fees, repayments and total amount payable before you make a decision.
All finance is subject to Toyota Financial Services lending criteria, credit approval and applicable terms and conditions.
Variable Rate Credit
Variable Rate Credit provides a rate that can move with market conditions. It may also allow you to make additional lump-sum payments or settle the loan early without early repayment fees, subject to the applicable terms.
This may suit you if you want greater flexibility to repay your vehicle finance sooner.
Finance & Leasing for Businesses
From one work vehicle to an entire fleet, East & South Toyota can help structure a solution around the way your business operates.
We work with sole traders, partnerships and companies throughout the wider Auckland region from East to South, and northern Waikato from Miranda to Mercer and Pokeno.
Finance Lease
A Finance Lease allows your business to use a vehicle for an agreed period, with repayments structured around an agreed residual value. End of term options and conditions will depend on the lease agreement.
Operating Lease
An Operating Lease allows your business to use a vehicle for an agreed term without taking on the residual value risk. At the end of the lease, the vehicle can generally be returned or replaced, subject to the lease conditions.
Business Vehicle Lease
A standard business credit contract may be suitable if your business intends to retain the vehicle after the finance has been repaid.
Toyota Vehicle Insurance
Your vehicle is a significant investment. Our Business Managers can discuss Toyota Vehicle Insurance and help you arrange cover as part of your vehicle purchase.
Depending on the policy selected, cover may include benefits designed specifically for Toyota owners, such as:
- Toyota Genuine Parts: helping maintain the quality and integrity of your Toyota following an insured repair.
- Toyota quality repair guarantee: added confidence in the quality of covered repairs.
- Glass cover with no excess: protection against unexpected windscreen and glass damage.
- Replacement vehicle benefits: eligible new and used Toyotas may qualify for replacement or purchase price benefits.
Courtesy vehicle: available for up to 30 days, subject to policy conditions.
Roadside assistance: extra peace of mind when you need help on the road.
Our Business Managers can explain the available cover, premiums, excesses, exclusions and policy terms, helping you make an informed choice.
Terms, conditions, limits and exclusions apply.
Frequently asked questions
Yes. Complete our finance enquiry form and select your preferred East & South Toyota store. A Business Manager will contact you to discuss your application and the information required.
Yes. Finance may be available for eligible used vehicles, subject to credit approval, lending criteria and applicable terms and conditions.
No deposit finance may be available on selected vehicles and offers, subject to Toyota Financial Services lending criteria and credit approval.
Appraise your vehicle and determine the settlement amount on its existing finance. Any difference can then be considered as part of the proposed purchase and finance application.
This depends on the finance product selected. Our Business Managers can explain the rules, costs and flexibility associated with each option.
Guaranteed Future Value sets an agreed minimum future value for an eligible Toyota at the beginning of the contract. The guarantee is subject to conditions, including agreed kilometer limits, servicing requirements and the vehicle's condition.
Yes. We offer vehicle finance and leasing options for sole traders, companies and fleets. Our team can help identify an option that suits your vehicle requirements and replacement plans.
Yes. Our Business Managers can discuss available vehicle insurance options and help arrange cover as part of the purchase process. Insurance is subject to eligibility, policy terms, conditions and exclusions.
A balloon payment is a larger, one off payment made at the end of your vehicle finance term. It allows you to reduce your regular repayments by leaving a portion of the loan to be paid at the end. Interest still applies to the outstanding balance, so it's important to plan for this final payment.
Let's find an option that fits
Tell us what vehicle you’re considering and what you need from your finance plan. A Business Manager from your preferred East & South Toyota store will contact you to discuss the available options.
Toyota Financial Services lending criteria, credit approval, fees, and terms and conditions apply. The information on this page is general in nature and does not constitute financial, legal or tax advice. Insurance cover is subject to application acceptance and the relevant policy terms, conditions, limits and exclusions.