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Experience the stability and predictability of a Personal Fixed Rate Loan at Nowra Toyota. Our tailored loan options ensure your interest rate remains fixed for the life of your loan, providing you with consistent monthly payments. Whether you're purchasing a new or used Toyota vehicle, you can customise your loan terms, repayment frequency, and deposit amount to fit your budget. With Pacific Toyota's personalised rate calculation, you'll receive an interest rate that reflects your unique financial situation, making car ownership in South Nowra more accessible.
Located in South Nowra, Nowra Toyota offers comprehensive car finance solutions designed to simplify your vehicle purchase process. Our finance experts are dedicated to providing exceptional service, guiding you through every step from application to final approval. Incorporate on-road costs into your loan and enjoy the freedom to select any Toyota model that suits your lifestyle. Visit Nowra Toyota today to explore how a Personal Fixed Rate Loan can make your dream car a reality, and drive with confidence knowing your finances are secure.
With a fixed interest rate that doesn't change for the life of your loan, your ideal Toyota is within reach.
With Toyota Business Fixed Rate Car Loan, getting car finance for your business is easier than ever. Purchase any type of vehicles, new or old, and customer your loan terms to suit you.
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.
If you’ve decided that a Personal Fixed Rate Car Loan is the best option for you, getting started couldn’t be easier.
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.
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.
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.
A monthly fee for the management of your loan account.
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.
This fee applies when a payment is made by BPay. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don't pay fees on your regular repayments.
To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.
This fee applies when a payment is made by BillPay, cheque, or direct deposit. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.
This fee applies for replacement, supplementary, or new payment cards when you switch from Direct Debit to another payment method after the loan start date. You can avoid this fee by setting up a Direct Debit on all your future repayments, so you don't pay fees on your regular repayments.
This fee applies if your Direct Debit or Cheque payment is dishonoured.
You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited. You can also change the date of your payments by contacting us.
This fee applies if you’re late or miss a repayment, and your account goes into arrears. Toyota Finance will contact you about the overdue amount, and this is mentioned in your loan contract as an Arrears Follow-up Fee.
You can avoid this fee by ensuring that your account does not go into arrears. You can also change the date of your payments by contacting us.
This fee applies if you request contract documentation from the Toyota Finance National Customer Solutions Centre.
You can avoid this fee by login into Toyota Finance Online where you can view, download, and print your loan documentation online without incurring this fee.
This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early.
This fee can be avoided by continuing with scheduled loan repayments until the agreed completion date of the loan.
To apply for car finance you will need to provide the following:
Proof of Identity
One of the following:
Proof of income – one of the following combinations
Employed
Self Employed
Proof of residence
Homeowner/buyer
Renting
Boarding or living with parents
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
All of our customers 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.
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.
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.
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.
Target Market Determination document available here
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.
104 Princes Highway,South Nowra NSW 2541
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