Whether you are interested in a vehicle for yourself or your business, our range of vehicle finance solutions can be tailored to suit your needs.

Personal Vehicle Loan
Novated Lease
Novated Lease Vehicle Package
Business
Term Purchase
Business Vehicle Loan
Lease


When you're 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 is a fast and flexible way to get into the car you want - today!

Toyota Financial Services makes it easy for you to get in the driver's seat. Through the Castle Hill Toyota Finance Department, you are able to arrange finance, registration, insurance and an extended warranty all at the one time.

Perfect if you are using your vehicle for personal use.

Features and Benefits:

The security of a fixed interest rate for the term of the loan
A choice of loan terms ranging from 1 - 5 years
Financing for vehicles up to 7 years old
Finance for both new Toyota and pre-owned non-Toyota vehicles
A choice of flexible payment options
The ability to make extra repayments, reducing the total interest payable
The option of a balloon payment at the end of the loan - subject to capacity guidelines.


A novated lease is a popular salary-packaging tool. It provides employees with the opportunity to include a motor vehicle of their choice as part of their salary package.

A novated lease is an agreement between an employee, their employer and Toyota Financial Services. The employee and their employer enter into a novation agreement with Toyota Financial Services, under which the lessee's obligations are transferred to the employer and the employer pays the monthly rentals from the employee's salary.

Features:

The potential to access vehicle discounts available to their employer
Fixed payments for the term of the lease
A choice of lease terms from 1 - 5 years
A tax effective form of vehicle financing for the employee

If the employee changes their employment during the term of the novated lease, the payment obligations reverts to the employee. The employee may, however, be able to novate the lease to their new employer. This means an employer will not be left with any unwanted vehicles if an employee moves on.


You can also have a novated lease vehicle package; this has been designed to provide a total vehicle packaging solution which can include vehicle expenses and FBT management. An effective vehicle package management tool for employers of small to medium-sized businesses. The following are included in the monthly lease rental:


Tyre replacement
Vehicle registration renewals (including CTP renewals where required)
Comprehensive Insurance renewals
Comprehensive reporting is provided to both the employer and employee
Caltex Fuel StarCard (provides a fuel discount off the pump price) billed on a monthly basis.


Choose from our range of business finance solutions

If you are using your vehicle for business purposes we offer an extensive range of business vehicle finance solutions. Select the one that suits your business cash flow, taxation and structural requirements. You may also wish to consider our Lease options for your business.


The security of vehicle ownership for your business after the final payment is made.

Vehicle ownership with payment flexibility

The Term Purchase finance option is suitable for businesses who want the security of vehicle ownership after the final payment is made.

Features and Benefits:

A fixed interest rate for the term of the loan
A choice of contract terms ranging from 1 - 5 years
A balloon payment option - subject to capacity guidelines

The ability for GST registered customers to claim part or full Income Tax Credit (ITC) for any GST on the purchase of the vehicle for use in your business

The potential to offset depreciation, interest charges and vehicle running costs against assessable income where the vehicle is used in your business.


A flexible commercial loan for sole traders, partners and companies. Your business owns the vehicle and we take a mortgage over it, so it remains an asset of your business.

The benefit of flexibility and tax effectiveness

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.

Features and Benefits:

The security of a fixed interest rate for the term of the loan
A choice of loan terms ranging from 1 - 5 years
Financing for vehicles up to 7 years old
Finance for both Toyota and non-Toyota vehicles
A choice of flexible payment options

Daily interest calculations on the outstanding principal balance, so any additional payments you make reduce the total interest payable

The option to reduce monthly payments with a balloon payment at the end of the term, freeing up cash flow for your business

No GST on monthly payments

The ability for GST registered customers to claim part or full Input Tax Credit (ITC) for any GST on the purchase of the vehicle for use in your business.


Secure the vehicle of your choice today, without a deposit so you can retain your capital

If you are considering leasing for more than 20 vehicles, please view our Fleet management and leasing options where a dedicated Fleet Relationship Manager can review you business and recommend the best solution for you.

Finance Leases are a popular solution for businesses because they enable you to secure the vehicle of your choice today without a deposit, allowing you to retain your capital for other purposes.

Features and Benefits:

An attractive and affordable means of driving a new car every few years
A choice of lease terms ranging from 1 - 5 years
Fixed payments for the term of the lease
No fixed kilometre limits

At the end of your lease period there are a number of options available to you. For example, you may be able to extend the lease for a further agreed term, trade the vehicle in on a new vehicle or make an offer to purchase the vehicle from us.