Select your preferred store for a more customised experience.
Transparent, flexible ways to pay for your Toyota
Toyota Financial Services makes it easier to pay for your Toyota, with a range of flexible finance and leasing options. From fixed and variable rate loans to finance and operating leases, we’ve got options to suit different budgets, needs and future plans.
Finance
Finance lets you spread the cost of your Toyota over time and eventually own it fully. You can choose a fixed or variable interest rate and tailor your repayments to suit your budget.
Leasing
Leasing gives you access to a Toyota for a set amount of time, with fixed monthly costs and reduced resale risk. Leasing options are available for both individuals and businesses.
Guaranteed Future Value
Toyota Guaranteed Future Value (GFV) is a smarter way to finance your next Toyota. You’ll know the minimum future value of your vehicle upfront*, so you’re not left guessing about what it might be worth down the track.
By deferring part of the cost to the end of your finance term, GFV can also help lower your regular repayments. And when the time comes, you’re free to choose what’s next: keep your Toyota, upgrade to a newer model, or simply return it.
How it works
- You choose your Toyota and your finance terms
- We lock in your vehicle’s guaranteed future value upfront
- You make fixed repayments over the agreed term
- At the end, you decide whether you’d like to upgrade, keep or return the vehicle
Finance Options
Credit Contract
Maximum flexibility, with the minimums guaranteed.
A credit contract is a simple, fixed rate loan that gives you flexibility during your term and clear choices for what comes next. It’s ideal if you want to own your Toyota and like having options as your plans change.
Benefits
- Fixed interest rate with fixed repayments
- Flexible deposit and repayment frequencies
- Optional balloon payment to reduce regular repayments
- Option to include servicing and insurance
- Guaranteed Future Value option available
At a glance
A simple, fixed rate loan with flexible repayment options and a clear plan from day one.
Guaranteed Future Value
With Guaranteed Future Value (GFV) you’ll know what your Toyota will be worth at the end of your finance term.
What happens at the end?
If you opt for GFV, you’ll have clear choices at the end of your term: keep your Toyota, trade it in or upgrade to another model.
Variable Rate Credit Contract
Vehicle finance, plus other finance options.
Variable rate credit is a flexible loan with an interest rate that moves with the market, while your monthly repayments can remain the same for easier budgeting.
Benefits
- Competitive variable interest rate
- Fixed monthly repayments
- Lump sum payments allowed at any time
- Early repayment with no fees or penalties
At a glance
A flexible loan with a variable interest rate and fixed monthly repayments.
Who is it for?
Customers who want flexibility, including the option to make extra payments or repay early.
What happens at the end?
At the end of the term, the loan is paid off and the vehicle is all yours.
Leasing Options
Finance Lease
Low upfront costs, flexible terms.
A finance lease lets you use a Toyota for a set term with lower upfront costs, while giving you the option to buy the vehicle at the end. With Guaranteed Minimum Value (GMV), the re-sale value of your Toyota is set upfront, so we’ll pick up the difference if its value drops.
How it works
- Low initial outlay, typically one month’s payment in advance
- Fixed monthly payments
- Flexible lease terms and kilometer allowances
- Option to include servicing and insurance
- Guaranteed minimum value option available
At a glance
A fixed term lease with known monthly costs and the vehicle’s end value set upfront.
Who is it for?
A good fit if you want predictable costs and flexibility at the end of your lease.
What happens at the end?
You can make an offer to purchase the vehicle, return it, or move into a new Toyota.
Operating Lease
Easy and transparent, fixed monthly payments.
An operating lease is a business‑only option that gives you full use of a Toyota without ownership or residual risk. Your monthly lease payments may be tax deductible, depending on your situation.
How it works
- Fixed monthly rentals for easier budgeting
- No residual value to manage at the end of the lease
- Efficient use of capital
- Option to include servicing and selected running costs
- Lease payments generally treated as an operating expense
At a glance
An off‑balance‑sheet lease with no ownership and a known monthly cost.
Who is it for?
Designed for businesses that want vehicle use without taking on resale risk.
What happens at the end?
You can return the vehicle, replace it with another Toyota, or make an offer to buy it.
