5 April 2022 ·

Toyota Car Finance with Terry Shields Toyota

Toyota Car Finance

Most Australians and Australian businesses could seek financial assistance to fund the purchase of their vehicles. But with so many institutions offering a broad range of finance options, making a selection can be confusing, even overwhelming.

Through Toyota Finance, you can have access to a range of finance products that can be tailored to meet your needs.

Finance Products Available

One of the great benefits of Toyota Finance is knowing exactly where you will stand at the completion of your loan from the outset of the loan. Whether you select a personal fixed rate car loan or a Toyota Access car loan, you can accurately plan your vehicle costs well into the future.

Toyota Access

Toyota Access

Toyota Access delivers the benefits of a Guaranteed Future Value#, possible lower monthly payments^, and flexible loan options. You can select a new, demonstrator, or Toyota Certified Pre-Owned vehicle, with a loan duration of 1 to 4 years for New and Demo vehicles and 3 to 4 years for TCPO vehicles.

The process to receive a quote is simple for eligible customers - select your Toyota, select your loan term, estimate the number of kilometres you will drive each year, and select weekly, fortnightly, or monthly repayments.

The Guaranteed Future Value (GFV) is calculated based on the term, selected annual kilometres and is calculated from the outset of the loan.

At the end of your loan term, you have the flexibility to:

·       Keep your Toyota by paying out the amount owning; or

·       Trade-in for another Toyota of your choice; or

·       Return your vehicle and Toyota Finance will pay you the Guaranteed Future Value, agreed to at the start of your loan (subject to fair wear and tear and agreed kilometres being met) and put it against the remaining balance owing on your account

With your fixed interest rate, you can plan vehicle expenses well into the future, ensuring easy, reliable vehicle budgeting.

You can get a Toyota Personalised Repayments calculator. Your Toyota Personalised Repayments* and interest rate can be calculated online with Toyota Finance’s quick and easy form, without affecting your credit score. Once you have your personalised rate, you can then compare vehicles across the entire Toyota range.

Toyota Finance uses your credit score and other relevant criteria to calculate a rate that’s right for you. No matter who you are or where in Australia you live, the same transparent and trusted process applies.

Personal Fixed Rate Car Loan

Personal Fixed Rate Car Loan

The Personal Fixed Rate Car Loan could suit those seeking a more traditional loan with the convenience of a longer-term, personalised fixed rate, and vehicle selection from any vehicle in the Terry Shields Toyota stock.

Terry Shields Toyota invites you to call our finance team on (02) 9204 6444, to discuss finance options for the Toyota you have your heart set on. Toyota Finance lets you live for today while taking care of tomorrow.

Toyota Novated Lease

Toyota Novated Lease

The Novated Lease, available through Toyota Fleet Management can help those looking to manage everything vehicle-related in the one package. A novated lease can be arranged via salary sacrifice through your employer with pre and post-tax salary deductions. The primary reason for getting a novated lease is that you could save thousands when compared to buying a new vehicle via other finance options. You will also enjoy the benefits of cashless motoring with easy, streamlined vehicle management.

All of your car expenses including fuel (variable cost) maintenance, registration, and insurance are calculated into a single monthly fee, which is paid to Toyota directly from your employer.

You will know all monthly vehicle costs, allowing you to plan vehicle expenses for the duration of the lease. On completion, the residual value of the vehicle, which was decided from the outset, can be paid out for full ownership, or you can refinance or trade and upgrade.

#The Guaranteed Future Value (GFV) is the minimum value of your Toyota  at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota Finance at the end of your term, Toyota Finance will pay you the agreed GFV, 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 GFV 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. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

^Lower repayments compared to similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

*Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.