Warrnambool Toyota Personal Finance Solutions

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.

Personal Loan Options

Toyota Access Car Loan

No matter where you’re going, Toyota’s with you. Toyota Access is an innovative way to put yourself in control of your car loan when you’re buying a new or approved demonstrator Toyota. You choose the car you want today, and have the freedom to change in the future. So as your lifestyle changes or as your business grows, Toyota Access provides the flexibility, certainty and assurance you need to feel confident about the road ahead. 

Key Benefits:

  • Guaranteed Future Value (GFV)*
  • A car loan to suit you
  • More choice when your loan ends
  • Certainty
  • Lifetime of Advantages

Find Out More

Personal Loan Options

Personal Fixed Rate Car Loan

With a Personal Fixed Rate Car Loan from Toyota Finance, you can enjoy certainty when it comes to your loan, and the confidence of knowing exactly how much you will need to repay every month. 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.

Key Benefits:

  • Choice
  • Security and confidence
  • Freedom
  • Flexibility
  • Lifetime of Advantages
Personal Loan Options

Novated Lease

A novated lease with Toyota Finance is one of the most convenient, simple and cost-effective ways to drive the Toyota you want. Take advantage of the following novated lease benefits:

  • Any car - Choose the Toyota that suits your lifestyle
  • Tax effective - Tax-effective financing through pre and post-tax salary deductions
  • Interest rate - We believe we can offer the best interest rates in the market
  • Transparent - Transparency across all rates, fees and charges
  • Buying power - Take advantage of Toyota Finance's buying power on the cost of the car
  • Servicing & maintenance - Competitive servicing, maintenance and tyres
  • Fuel - Further savings with a Toyota Finance Fuel Card


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.

The information on this website 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.

*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 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

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.