Miles Toyota Guaranteed Future Value Finance
What is Toyota Guaranteed Future Value?
Toyota Guaranteed Future Value (GFV) is a flexible finance product that makes it easy to get behind the wheel of a new Toyota. It offers a personalised and affordable finance solution, giving you the confidence of knowing your vehicle’s minimum future value at the end of your term - regardless of market conditions.
When your agreement ends, you’ll have flexible options to choose your next move, whether that’s upgrading, keeping, or returning your Toyota. GFV is available across our new Toyota range, and on selected pre-owned Toyota models.
Our award-winning finance team are on-site seven days a week, ready to help.
The benefits of Guaranteed Future Value
A crystal ball for your car’s future
Generally, standard loans (like bank loans) don’t offer a Guaranteed Future Value (GFV). When a standard loan ends, your vehicle’s worth will depend on an unpredictable market rate.
With GFV, you’ll know exactly what your Toyota will be worth at the end of your loan term. It’s the minimum value we’ll guarantee for your vehicle, giving you certainty from day one. If you choose to return your Toyota at the end of the term, we’ll pay you the agreed GFV - put towards your final payment, provided it meets the Fair Wear and Tear Guidelines and agreed kilometre limits.*
Lower monthly repayments
Generally, with standard finance loans, you pay a deposit and choose a loan term based on your budget. Often, other lenders offer variable rate loans - so if interest rates rise, so do your repayments.
A GFV loan has a fixed rate for the life of your loan, so you have peace of mind knowing your repayments stay the same. Plus, the GFV that comes with your loan means you have the option of deferring part of the purchase cost until the end of the term, so your regular payments are lower in comparison to standard loan payments over the same term.
Keep your options open
Do you know where you’ll be in five years? Maybe not, but with a GFV loan you’ll know exactly what your vehicle is worth and enjoy flexible options as to what happens next. Instead of a standard loan where you own the vehicle and can then decide to keep it or sell at the mercy of market conditions. Toyota’s GFV offers you three flexible options to keep, return, or trade in for a new Toyota.
Keep
Decide to keep your Toyota? Simply pay or re-finance the agreed future value and it’s all yours – no surprises.
Trade in
When you’re ready for that new car feeling, talk to us about upgrading your Toyota. If the trade-in value is higher than your loan balance (equal to your GFV), you can put the difference towards your new vehicle or keep it.
Return
If you’re ready to hand back the keys at the end of your term, simply return the vehicle to us, and we’ll use the Guaranteed Future Value (GFV) to cover your final loan repayment.*
Next steps
Talk to our award-winning finance experts. Our team understand that buying a vehicle is often your second-biggest investment - so getting it right matters. The right loan isn’t one-size-fits-all; it should suit your budget, lifestyle, and future goals. Whether you're just starting your research or were ready to park a Toyota in your garage yesterday, our team is here to help at any stage.
Exceptional service from Ben, Sophie and the team at Miles Toyota.
Recently purchased our very first new GR Hilux and it was an absolute pleasure dealing with them. Highly recommend Miles Toyota to anyone looking to purchase either a new or used Toyota vehicle. Thank you.
Jackie
I’ve been a customer to Miles Toyota over the past 15 - 20; years having my cars serviced with them up to purchasing new through them.
In my opinion they are the best for both service as well as honesty.
Jason
Get in touch
We’re available seven days a week. Make an online enquiry or call us today for more information.
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Miles Toyota Guaranteed Future Value Terms and Conditions
*To take advantage of the Guaranteed Future Value (GFV) certificate you will need to keep the vehicle regularly serviced according to manufacturer’s specifications, stay within the agreed kilometre allowance as the future value will reduce per kilometre over the kilometre allowance, return the vehicle in good condition (normal wear and tear is acceptable), and pay the return fee of $250. Toyota Financial Services’ terms, conditions, and normal lending criteria apply. Click here for the full T&Cs.
Toyota Guaranteed Future Value (GFV) FAQs
What do I need to apply for GFV?
To arrange your finance, we’ll need the following documents:
- Confirmation of your income (e.g. your payslips to cover the last month).
- Proof of your address (e.g. utility bill or bank statement).
- Insurance policy number and name of your insurer (unless the insurance is arranged with Miles Toyota).
- Bank account details for direct debit (for repayments) with branch and account number.
- Residency Visa (if applicable).
How does Toyota GFV work?
Our award-winning finance team are here to help every step of the way. Once you’ve decided on your perfect Toyota, we’ll take you through choosing a loan term, deposit (if any), and agree on the number of kilometres you expect your car to travel before the loan term ends.
Using this information, we’ll then guarantee the minimum future value of your new car - otherwise known as your Guaranteed Future Value (GFV). This figure is your final balloon payment (subject to fair wear and tear and the estimated kilometres being met). Once your term is up, you’ll have the flexibility to trade in, keep, or return your Toyota.
Who decides the GFV, and how is it calculated?
Our finance experts and Toyota Financial Services take into account varying factors that determine your vehicle’s GFV. These include the your proposed kilometres and loan term (that you can adjust to suit your situation), as well as the sales results of similar cars, new model information, and economic factors.
Do I have to maintain the vehicle during the term?
Yes, if you’re planning on taking advantage of the return or trade-in options at the end of your term. To keep it easy, we’ll provide you with a wear and tear guide before you enter into the contract, so you’ll know upfront what’s expected. You’ll also need to service your Toyota in accordance with manufacturer specifications. New Toyota come with five years of capped price servicing, making it easy to plan and care for your vehicle.
Is Toyota GFV a lease?
No, you own the car, and Toyota Financial Services will have a security interest over it.