Finance & Insurance

Carnarvon Toyota – Finance & Insurance
223 Robinson St
Carnarvon WA 6701
Sales: (08) 9941-1029

Finance & Insurance Opening Hours
Monday – Friday 9:00am-5:00pm
Saturday 8:00am-10:30am

Toyota Personalised Rate

Long gone are the days of one-size-fits-all car loans. With Toyota Finance, you can now use your credit score and other relevant criteria to secure an interest rate that’s tailored to your unique circumstances.

Personalised Rate

Using smart and sophisticated software, our dealers will calculate a rate that’s right for you.

Total Transparency

No matter who you are or where in Australia you live, we’ll use the same criteria to figure out your individual rate.

Tried and Trusted

We’ve helped more than 1 million Australians get behind the wheel of their dream Toyota.

Watch the Video to Learn More

Frequently Asked Questions

What is a Toyota Personalised Rate?

Essentially, it’s an interest rate that’s tailored to your financial circumstances. Instead of taking a one-size-fits-all approach, we use your credit score and other relevant criteria to calculate a rate that’s right for you. It doesn’t matter who you are or where in Australia you live, the same transparent and trusted process applies.

 

How do Toyota Personalised Rates work?

Using smart and sophisticated software, our dealers will calculate a rate based on your individual credit score and other criteria determined by us. No matter who you are or where in Australia you live, you can be sure of a transparent rate that’s tailored to your personal financial circumstances.

 

How does this affect me?

Toyota Finance is deeply committed to providing you with quality finance options that are tailored to your individual needs and circumstances. With Toyota’s Personalised Rates, you can be sure that you’re always getting a transparent interest rate for your loan.

 

Why is Toyota relying on software to calculate my rate?

Our goal is to give you a rate that’s transparent and tailored to your financial circumstances. The best way to do this is by handing over the brain power to a smart algorithm that’s designed to calculate your rate in seconds, based on your individual credit score and other financial criteria determined by us.

 

What is a credit score?

A credit score is a single number, usually between 300 and 850, that enables financial institutions to get a sense of your credit history and to work out whether you’re a viable person to lend money to.

 

Does everyone have a credit score?

If you’re over the age of 18 and have applied for credit, it’s likely that you’ll have a credit profile and credit score with a credit reporting body such as Equifax.

 

What can affect my credit score?

There are lots of things that can affect your credit score, including your payment history, how much credit you have available and how many active credit accounts you have.

 

How can I improve my credit score?

If you’re not happy with your current credit score, these tips should help you give it a boost.

  •  Check your score
    Most credit reporting bodies will tell you where and how you need to improve.
  •  Pay your bills on time
    This is the single most effective way to improve your credit score.
  •  Don’t borrow more than you can handle
    There’s nothing more damaging than defaulting on your loan or credit cards.

Remember, even if you’ve signed up to one or more credit score websites, it’s still a good idea to request a free copy of your credit report each year. This will help you understand how your score has been calculated and to ensure your information is correct.

 

Why should I borrow from Toyota Financial Services rather than a bank?

Unlike banks and other financial institutions, we calculate your rate based on your credit score and other personal criteria determined by us. This means you can always be sure of a rate that’s transparent and tailored to you.

 

Is this the most competitive interest rate Toyota Finance can give me now?

Based on your credit score and other financial criteria, this is the only rate that Toyota Finance can offer you right now.

If my spouse had bad credit before we married, will that affect my credit score?

If you and your spouse hold a joint credit account, have co-signed a loan or have authorised use of one another’s credit facilities, your score could be affected.

Toyota Access

The smarter way to buy a Toyota

Available for new, eligible demo, and Toyota Certified Pre-Owned vehicles, a Toyota Access secured car loan gives you lower monthly repayments[F9] and the certainty of a Guaranteed Future Value[F2], so you can live for today while taking care of tomorrow.

Benefits of Toyota Access

  • Lower monthly repayments[F9] than a standard car loan
  • Know the Guaranteed Future Value[F2] of your car
  • Option to trade, keep or return your vehicle when your loan ends
  • Decide on the deposit you want to pay – if any
  • Select a loan term of 3 or 4 years
  • Choose weekly, fortnightly, or monthly repayments

Need more information? Talk to us today.

What is Guaranteed Future Value?

The Guaranteed Future Value[F2] is how much your car will be worth to Toyota Finance at the end of your car loan – subject to fair wear and tear and agreed kilometres being met. This will be based on the length of your loan term and the number of kilometres you drive. It gives you that extra peace of mind of knowing where you’ll stand in the future.

How does Toyota Access work?

Getting started

  1. Choose your new, eligible demo, or Toyota Certified Pre-Owned Vehicle.
  2. Decide on the deposit you’d like to pay, if any.
  3. Select a loan term of 1-4 years for new and eligible demo vehicles or 3-4 years for Toyota Certified Pre-Owned Vehicles.
  4. Estimate the number of kilometres you expect to travel over the term – including any already on the clock.
  5. Toyota Finance calculates the Guaranteed Future Value of your vehicle.
  6. They then calculate your monthly repayments, with a final payment equal to your Guaranteed Future Value.

From the time you drive away, you’ll enjoy lower monthly repayments[F9] and the reassurance of knowing what lies ahead.

At the end of your loan term

You have the choice of three flexible options: to trade, keep or return your vehicle.

  1. Trade in or sell your Toyota: Use the trade-in value or sale price to pay the remaining balance of your car loan.
  2. Keep your Toyota: Simply pay the outstanding balance (including the final payment). Toyota Finance can help you refinance the balance of your car loan if you don’t have the cash on hand (conditions apply).
  3. Return your Toyota: Toyota Finance will pay you the Guaranteed Future Value that was agreed on at the start of your loan term and put it towards the remaining balance owing on your account (subject to fair wear and tear conditions and agreed kilometres being met).

Contact us today and see how Toyota Access can work for you.

Finance & Insurance

We are here to help you protect your investment by offering a comprehensive range of products to suit your needs, whether that be for a new or used vehicle, private or business or for a fleet purchase.

Personal Finance

If you are 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 [F6] is a flexible way to get into the car you want today.

Business Finance

A Business Vehicle Loan is a flexible commercial loan designed for sole traders, partnerships and companies that are looking to finance a vehicle used primarily for business purposes. Your business owns the vehicle and we take a mortgage over it, so it remains an asset of your business.

Toyota Insurance has you covered

With so many providers offering complicated policies, insurance can be a foggy issue. But now the choice is clear. Toyota Insurance[F7] is designed for your Toyota by the people who know it best. It just makes sense. And you know you can count on the quality and value you’ve come to expect as a Toyota owner.

Toyota Insurance no longer offers the following products to new customers. If you would like to learn more about these changes or hold an active policy, please click on the product link:

Motor Vehicle Insurance

If anything happens to your Toyota you’ll want to know you’re in safe hands. You can trust the experts at Toyota Insurance to get you back on the road in no time. Plus, we give you the reassurance that repairs will be done using Toyota Genuine Parts made specifically to fit your Toyota.

Key benefits include:

  • Replacement with a new Toyota after a total loss.
  • Quality repairs with Toyota Genuine Parts.
  • Lifetime Repair Guarantee.

Supplementary Product Disclosure Statement

This SPDS, dated 8 December 2022, updates and should be read in conjunction with the Toyota Comprehensive Motor Vehicle Insurance Policy and Product Disclosure Statement with preparation date: 5 February 2021 and any other applicable SPDS we may have given you.

To find out more download the Motor Vehicle Insurance Product Disclosure Statement (PDS), Premium, Excess, Discounts and Claims Guide and the Financial Services Guide (FSG).

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    [F2] 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 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.

    [F6] 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.

    [F7] Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS and Target Market Determination for the relevant product available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Comprehensive Motor Vehicle Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Toyota Comprehensive Motor Vehicle Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Comprehensive Motor Vehicle Insurance is purchased online, the issuer and insurer is Adica.

    [F9] Lower monthly repayments compared to a 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.