Toyota Finance

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Northpoint Toyota offers you the whole range of Toyota Finance products and services related to purchasing and owning a car.  We can arrange financing, whether it is a personal or business loan. Owning a Toyota has never been easier. Finance is available on all our new and pre-owned vehicles. Our Business Manager can provide you with a range of packaged options suited specifically to you at very competitive rates with our providers.


Personal Finance

Putting you in the driving seat

When you're looking to purchase a new or used motor vehicle that will be driven predominantly for personal, domestic or household use, a Toyota Financial Services Personal Vehicle Loan** is a flexible way to get into the car you want - today!

Features and Benefits:

  • The security of a fixed interest rate for the term of the loan
  • A choice of loan terms ranging from 1 - 7 years
  • Financing for vehicles up to 7 years old
  • Finance for both Toyota and non-Toyota vehicles
  • A choice of flexible payment options
  • The ability to make extra repayments#, reducing the total interest payable
  • The option of a balloon payment* at the end of the loan - subject to capacity guidelines.


Introducing Toyota Access^

New levels of affordability, flexibility and assurance can now come standard with every new Toyota. Enjoy the security of real guarantees and say goodbye to the uncertainties you've come to expect from traditional methods of car ownership.

Available to both personal and business customers, Toyota Access puts you in control - with a car loan that comes with a Guaranteed Future Value^, locked repayments, a fixed interest rate and options for the future.


Novated Lease

A Novated Lease^^ is a popular salary packaging tool providing employees with the opportunity to include a motor vehicle of their choice as part of their employment package.

This three way agreement between you, your employer and Toyota Finance sees your lease obligations (excluding the residual value indemnity obligation) transferred to your employer - your employer then makes the monthly payments from your salary either by a mix of pre and post salary reductions or entirely by way of pre tax salary reduction.

This may save you money because it is a tax effective form of vehicle financing and gives you the potential to access any vehicle discounts available to your employer. Check with your employer as to whether they offer this salary packaging benefit.


Business Finance

Finance Lease

Finance Lease helps to drive your business capital further.

This is a popular finance option for GST registered business customers to finance the lease of a business vehicle freeing up valuable capital for other business purposes. Lease terms range from 1 to 5 years* with fixed payments and there's no limit on how many kilometres you can travel.  

Key Benefits:

Free up your cash flow
As well as competitive business loan rates, you can also preserve your business capital with the ability to finance 100% of the vehicle.

A choice of lease terms for your business car lease, ranging from 1-5 years.

Choose the vehicle that suits you
Receive finance for both new and used vehicles, up to 3 years old.

You’ll make fixed payments for the term of the lease with options to extend, upgrade or make an offer to buy at the end of your lease.

Tax benefits
Your rental payments may be income tax deductible if you use the vehicle for business purposes and to generate income. GST on rentals may also be recoverable in whole or part.

Lifetime of Advantages
When you buy a new Toyota, you’re getting more than a new car.  

See details of Toyota's Lifetime of Advantages.

Business Fixed Rate Car Loan

A Toyota Finance Business Fixed Rate Car Loan, also known as a chattel mortgage, is a convenient way for GST-registered businesses to finance a work-related vehicle. You'll have opportunities for income tax deductions through depreciation and interest charges, plus the added security of knowing the car is an asset of your business, even while you're paying it off.

With a fixed interest rate over the business car loan term, plus the ability to make additional payments that reduce the total interest payable, a Toyota Finance Business Car Loan puts you in control. And, you’ll also have the peace of mind knowing that the same level of expertise that goes into every Toyota also goes into our finance solutions.



^^The extent to which a Novated Lease package may improve your after tax disposable income depends on various factors including employer packaging policy, kilometres travelled during the applicable FBT year, whether the lease is a luxury or non-luxury vehicle lease and employee marginal tax rates.

^The Guaranteed Future Value (GFV) is the minimum value of your new or approved demonstrator Toyota at the end of your finance contract, as determined by Toyota Finance.  If you decide to return your car to Toyota at the end of your term, Toyota Finance will pay you the GFV amount, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Toyota Access Guaranteed Future Value products are available to approved customers of Toyota Finance a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 

**Approved applicants only. Terms, conditions, fees and charges apply. A minimum loan term of 12 months applies. The maximum loan term will vary depending on the finance product selected and will be subject to Toyota Finance policy and procedure. You may be required to pay a deposit for capacity reasons. Additional interest charges will accrue if you select a balloon final payment option and early termination fees may apply if you elect to make additional repayments during the loan term. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536 is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.

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