Toyota Financial Services
products

    Instalment Finance

    Overview

    This method of finance allows you to buy your Toyota of choice by paying instalments over an agreed period. Ownership will pass to you as soon as you’ve paid all amounts due under the agreement. Financing periods can be structured between 12 to 60 months, with or without a final balloon payment. Market-related interest rates apply, which may be linked to the prime lending rate or alternatively fixed, over the agreed finance period. There is no minimum deposit payable unless there is a change to the current legislation or to your credit profile.

    Instalments

    Instalment sale agreements are typically offered between 6 & 60 months.

    Instalment payments can be structured equally over the entire agreement period so that there is no balloon payment at the end. Alternately a final balloon payment can be arranged.

    A final balloon payment is a larger than normal final payment resulting in a lower monthly repayment

    Under an instalment sale agreement you become the vehicle owner at the end of the agreement

    This is provided that you’ve paid all due amounts under the agreement.

    When the agreement comes to an end and all due amounts under the agreement have been met, you simply contact Toyota Financial Services to initiate the change of title-holder and re-register the vehicle in your name.

    Benefits

    Suited To

    This type of agreement will suit private individuals, self employed individuals or business-owners who want to own the asset at the end of the agreement.

    Optional

    You may want to consider adding the Take-A-Break option to your finance package.

    Lease Finance

    Overview

    This method of finance gives you the right to use your Toyota of choice for an agreed period, during which time you pay monthly rentals. At the end of the term, ownership passes either absolutely or upon satisfaction of specific conditions. Financing periods can be structured between 12 to 60 months, with or without a final balloon payment. Market-related interest rates apply which may be linked to the prime lending rate or alternatively fixed, over the agreed finance period. There is no minimum deposit payable unless there is a change to the current legislation or to your credit profile.

    Leasing

    Toyota Lease agreements are typically offered between 6 & 60 months.

    At the end of the term ownership does not pass to you automatically, however, you have the option of either returning your Toyota to Toyota Financial Services, acquiring ownership or extending the lease.

    Ownership is subject to the conditions set out in the credit agreement, which include payment of all monthly rentals due and payment of a nominal ownership amount.

    Toyota Lease agreements can be structured equally over the entire agreement period with or without a final balloon payment at the end.

    A final balloon payment is a larger than normal final rental resulting in a lower monthly rental.

    With Lease Finance there is also the option of refinancing the final balloon payment.

    Provided that at the time of your application for finance, there is no adverse change to your credit profile.

    Benefits

    Suited To

    This type of agreement will suit you if you are using the asset to generate income; or receive a car allowance; or you want to claim the expense against tax; or you own a business.

    Optional

    You may want to consider adding the Take-A-Break option to your finance package.

    Operating Rentals

    Overview

    Our Toyota Financial Services Operating Rentals come with an innovative Managed Maintenance Service whilst having a fixed monthly rental and the option to pay actual maintenance costs. This fixed monthly rental includes fleet management services such as sourcing and purchasing of the vehicle, vehicle usage and all resale risk is transferred from the customer to Toyota Financial Services.

    We have a team of maintenance experts who will scrutinise all invoices to ensure that the maintenance and repair costs are authorised.

    Benefits