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Find the Finance that's right for you

Choosing between a lease or loan can be confusing - but we're here to make it easier. And the decision really starts with how you like to do things.

Credit Contract
Maximum flexibility - with the minimums guaranteed. That’s Credit Contract Finance.

Credit Contract gives you options as your plans ends. Choose to take a Guaranteed Future Value (GFV) certificate and you’ll know exactly what your vehicle will be worth when the plan ends.

Benefits

  • Fixed interest rate

  • Lower fixed monthly payments - with an optional ‘balloon’ payment at the end of the plan.

  • Option to include servicing & maintenance, Toyota Vehicle Insurance and Payment Protection insurance.

  • Tax deductions (for businesses).

  • Trade-in or keep vehicle at end of the plan.

  • Guaranteed minimum trade-in value option.

For information on interest rates and fees please click here.

 
Variable Rate Credit
A competitive loan with a variable interest rate

Variable Rate Credit is a unique TFS product that gives you the option of vehicle finance now – and access to extra finance for other things when you need it. Plus while the competitive variable interest rate moves with the market, your budgeting is easier with monthly payments that can stay fixed.

Benefits:

  • Convenient fixed monthly payments

  • You can choose to make lump sum payments at any time

  • Feel free to settle your loan early with no fees or penalties 

For information on interest rates and fees please click here.

* Variable rate product is the consumer interest rate may change during the life of the contract.

Finance Lease
You take the vehicle, we’ll take care of the risk…

In fluctuating economic times, a little certainty over financial arrangements goes a long way… that's why with Finance Lease, your end-of-plan re-sale value is set upfront, so we pick up the difference if the vehicle’s value drops.

Benefits:

  • Fixed interest rate

  • Low initial outlay (from one monthly payment)

  • Fixed monthly payments

  • Terms from 24 to 60 months

  • Tax deductions (for businesses)*

  • Option to include servicing and maintenance

  • Option to offer to purchase the vehicle at the end of the plan

  • Protect your resale value with guaranteed minimum value option

  • Choose to add Toyota Vehicle Insurance and Payment Protection insurance

For information on interest rates and fees please click here.

* Tax arrangements may vary – we recommend talking to your accountant or financial advisor.

Operating Lease
Drive it your way, to suit your budget and business…

All the advantages of leasing, including full use of a vehicle with monthly rentals that are tax deductible*.

Benefits:

  • Fixed monthly rentals
  • No residual risk on your vehicle
  • Tax deductible lease payments
  • Efficient use of capital
  • Only available to business customers
  • Replace or return the vehicle at the end of the plan
  • Option to include full service and maintenance of the vehicle, with costs included in your monthly rental

* Personal/business tax arrangements may vary – we recommend talking to your accountant or financial advisor.

Calculate Finance

Work out your lease or finance costs with our handy Finance Calculator tool.

Want to talk to someone?

Find out more at your local Toyota Store or call us direct at TFS on toll-free 0508 46 86 96