Personal Fixed Rate Car Loan

Personal Vehicle Loan Options from Warrnambool Toyota

Flexible finance designed with your needs in mind.  Whether you're looking to purchase a new or used motor vehicle that will be driven predominantly for personal, domestic or household use, a Toyota Finance Personal Vehicle Loan is a fast and flexible way to get into the car you want today.

At Warrnambool Toyota we can discuss personal finance options for you which include :

  • Consumer Fixed Rate Car Loan
  • Novated Lease

If you have any questions at all, please speak with our team or submit a finance enquiry online.

About Personal Vehicle Loans

About Personal Vehicle Loans from Warrnambool Toyota

Consumer Fixed Rate Car Loan

Now that you've found the car you like from Warrnambool Toyota, it may be time to look at a Consumer Fixed Rate Car Loan.  With this kind of loan there is :

  • 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 14 years old at completion of the loan

​If you would like to know more, please speak with our team or enquire online now.

Personal Vehicle Loans from Warrnambool Toyota

Novated Lease

Similar to a Finance Lease, a Novated Lease provides a convenient and flexible way to make your vehicle payments directly out of your salary.  With this kind of loan there is :

  • A three-way arrangement between you, Toyota Finance, and your employer
  • Lease payments are taken over by your employer and are made from your pre-tax and post-tax salary

​If you would like to know more, please speak with our team or enquire online now.

Consumer Fixed Rate Car Loan

If your circumstances allow, Warrnambool Toyota can work with you on securing a Consumer Fixed Rate Loan which has the following benefits :

  • The security of a fixed interest rate for the term of the loan.

  • A choice of car loan terms, ranging from 1-7 years*.

  • Your choice of flexible payment options.

  • Financing of vehicles up to 14 years old at  completion of the loan.

  • Finance for both Toyota and non-Toyota vehicles.

  • Flexible deposits~.

  • The ability to make extra repayments, reducing the total interest payable#.

  • The option to include a balloon final payment, which may reduce your repayments.

  • Extra costs can be included in the amount financed, including on-roads, stamp duty, insurance, warranty and roadside assistance and CTP (where applicable)%.

  • Always know exactly how much you have to pay, making budgeting easier.

  • Borrow from as little as $5,000.

  • The option of weekly, fortnightly or monthly repayments.

Get personal car finance that’s tailored to you

With a fixed interest rate that doesn't change for the life of your loan, your ideal Toyota is within reach.


Why choose Toyota Personal Fixed Rate Car Loan?

We know financing can be confusing, so we’re here to make things easier. Get personalised car finance that allows you to purchase any type of vehicle, new or old, and customise your loan terms to suit you.

Toyota Personalised Rate

Toyota Personalised Rate

Using smart and sophisticated software, our dealers will calculate an interest rate that’s personalised for you.

Choose any Toyota

Choose any Toyota

Select the Toyota that’s right for you from our range of new and used models.

Freedom of choice

Freedom of choice

Customise your deposit amount, your repayment term (up to 7 years) and your repayment frequency.



You can incorporate on road costs related to the purchase of your vehicle into your fixed rate personal car loan.

How it works

How getting a Fixed Rate Car Loan works

If you’ve decided that a Personal Fixed Rate Car Loan is the best option for you, getting started couldn’t be easier.

Select your preferred Toyota

Select your preferred Toyota

New or used, drive the car that’s right for you.

Decide on your personal loan payment details

Decide on your personal loan payment details

Stay in complete control of what and when you pay back.

Put down a deposit (or don’t)

Put down a deposit (or don’t)

A deposit can be paid upfront to reduce your loan amount.

Talk to your nearest dealer

Talk to Warrnambool Toyota

And start the application process!

What do I need to apply?

Before applying for Car Finance there are several documents you need to have ready. We have a checklist you can print to make sure you have everything you need.

Fees that will apply

Establishment Fee - $395
The cost to set-up your approved loan with Toyota Finance. It is payable upon loan settlement, and can be included within the amount financed.
This is referred to in your contract as your Loan Account Establishment Fee.

Vehicle Security Registration Fee - $6
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.

Account Administration Fee - $8/month
A monthly fee for the management of your loan account.

Dealership fees

On-charged Dealer Agency Fee - $890 +GST
This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.
The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you, and arranging all the necessary paperwork to submit, manage and finalise your finance application.


Check out Toyota Insurance products

Roadside Assistance

Day or night, we’ll be there if you need us.

Learn More

Comprehensive Car Insurance

Cover your Toyota with a policy designed by the people who know it best.

Learn More

Toyota Personalised Repayments[F6]

Long gone are the days of one-size-fits-all fixed rate personal car loans. Using smart and sophisticated software, we will calculate an interest rate that's personalised for you.

Frequently Asked Questions

What Identification and Documents do I need to apply?

To apply for car finance you will need to provide the following

Proof of Identity

  • Driver’s license – at least one person on the finance application
  • Passport or Proof of Age card

One of the following:

  • Valid Medicare
  • Valid Credit/Debit card
  • Valid Veteran card

Proof of income – one of the following combinations


  • Pay slip including year to date summary (unless Jul/Aug) or
  • 3 x consecutive payslips (if no YTD or Jul/Aug) or
  • Employment contract and 3 months bank statement
  • (if recently started)

Self Employed

  • Tax Return or
  • Business Financials


Proof of residence

Home owner/buyer

  • Rates notice


  • Tenancy Agreement

Boarding or living with parents

  • Proof of address

Understanding of monthly expenses – you will be asked about your current monthly expenses. It is best to be prepared with a list of your monthly expenses.

We have a checklist you can print to make sure you have everything you need.

PDF Checklist

What is the current interest rate offered by Toyota Finance?
All of our guests receive a Toyota Personalised Rate when applying for finance. Our sophisticated software calculates your interest rate based on your credit score and other personal criteria determined by us. This means you get a rate that is based on your individual circumstances.

Toyota Finance is committed to providing you with quality finance options tailored to your individual needs and lifestyle. And with Toyota’s Personalised Rates, you can be confident that you are getting a fair and transparent interest rate for your loan.

What is Toyota Finance Online?
Toyota Finance Online is the easy way to manage your Toyota Finance account. You can access your finance account online at a time that suits you.

  • View account balances
  • View contract details
  • Calculate a payout quote
  • Generate statements
  • Update your payment or contact details

Download your MyFinance Portal app for iPhone®* or Android™️** or login online now.

* iPhone® is a trademark of Apple, Inc. registered in the U.S. and other countries.
** Android™ is a trademark of Google LLC.

How can I access my Toyota Finance Online account?
To access your account you will first need to register. Go to Toyota Finance Online, select the “Not Registered?” link, then enter your details and create your password.

You will need your Customer ID number. You can find it in the welcome letter you received at the start of your loan or any other letter that we have sent you.

  • Disclaimer

    The information provided on this website by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and 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.

    [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.

Novated Lease

A Novated Lease, can be a tax effective way to drive your  new car away from Warrnambool Toyota.  A Novated Lease provides a convenient and flexible way to make your vehicle payments directly out of your salary. 

When you novate, you enter into a three-way agreement with your employer and Toyota Finance, where your employer takes responsibility for the lease on your behalf. Your employer pays the monthly lease payments and provides the vehicle for you to use as part of your salary packaging arrangement.   

A Novated Lease from Warrnambool Toyota offers:

  • The potential to save at tax time, where payments are a mix of pre-tax and post-tax salary deductions .
  • Control and flexibility with a choice of any vehiclex .Toyota or non-Toyota to suit your lifestyle.
  • Convenient and cashless motoring with all vehicle running costs, i.e. fuel and servicing can be included as part of the lease.

Novated Lease For Employees:

  • Fixed payments for the term of the Novated Lease.
  • A choice of car lease terms from 1-5 years@.
  • The potential to access vehicle discounts through Toyota Fleet Management.
  • Certain extra costs can be included in the amount financed, including on-roads costs, as well as running costs, like fuel, tyres and vehicle maintenance%.

Novated Lease For Employers:

  • No residual risk, as the residual value obligations always remain with the employee.
  • "Off the balance sheet" accounting for the employer.
  • The ability to offer a more attractive salary package and attract employees.
  • Reduced admin time and costs, as all Novated Vehicles are covered under a single invoice.
  • We can arrange Novated Leases for your employees, saving you time and money.

If the employee changes their employment during the term of the Novated Lease, payment obligations are transferred to the employee. The employee may, however, be able to novate the lease to their new employer or take over the full repayments by refinancing under an alternative finance contract with us or another financier. This means an employer won't be left with unwanted vehicles if an employee moves on.