The easiest way to apply for Toyota finance is by getting in touch with your local Toyota Store. They’ll walk you through the process and help with any questions you may have along the way.

To apply for finance with Toyota Finance, you have to be at least 18 years old and have the right to live and work in New Zealand.

In many cases, finance can be approved within a few hours of your application, or later on the same day (subject to responsible lending inquiries). For more complex applications, we might need more time and/or information before we can make a decision. 

Usually, you’ll need proof of identity, proof of income, and your bank details. Depending on your application, we might ask for a little more – but we’ll let you know upfront. 

Leasing is like renting: you use the car for a set time and then hand it back. Finance is about ownership, where you make regular payments until the car is yours. Leasing often works well for businesses, while finance is great if you want to own your Toyota. 

We offer options that are specifically designed for flexibility and changing circumstances, so we can make sure you’re ready for life’s ups and downs. And if your circumstances change in unexpected ways, you can always talk to us. We’ll look at your options and see how we can make things easier for you.

We’ve got you covered with comprehensive, reliable vehicle insurance. Visit the Toyota Vehicle Insurance page to explore your options – or contact your local Toyota Store for advice about your specific car and situation.

Absolutely. We offer fleet leasing options for businesses that need more than one vehicle. Just get in touch with our Fleet Management team and we’ll help you find the right solution.

Yes you can, however in some cases early termination charges could apply. If you think you will want to settle early or make lump sum payments, our variable rate credit contract allows this with no additional fees or charges. On all other products, speak to us anytime to discuss possible break costs.

You don’t always need to pay a deposit, but in some cases we might ask for one as part of our assessment and approval process. Paying a deposit also lowers your regular payment amount and the total interest you’ll pay.

Guaranteed Future Value (GFV) gives you certainty about what your Toyota will be worth at the end of your finance term. You can keep it, trade it in, or return it – whatever works best for you. It also enables lower repayments, helping you get into your dream car sooner.

On a standard credit contract, there’s no limit to how far you can travel while your vehicle is on finance. With leasing or Guaranteed Future Value (GFV) options, there’s a maximum allowance of 150,000km over the loan term.

Our maximum term for most finance options is 60 months – but that can vary based on interest rates for variable rate contracts, and limits apply to certain vehicles for leasing. (For example, there’s a maximum term of 45 months for leasing passenger cars.) We might also require a specific term as part of our lending and approval process.