Finance & Insurance

There’s nothing better than that new car feeling, and with the comprehensive range of car finance and insurance solutions offered by Toyota Finance and Insurance, you’ll be driving your new car out of Toowoomba Toyota quicker than you ever thought possible.

Toowoomba Toyota has partnered with Toyota Finance and Insurance to provide a range of flexible products and services to suit almost every need and circumstance.

So in addition to dealing with an experienced and accredited dealership at Toowoomba Toyota when you buy your next new or used Toyota, you can also enjoy the peace of mind knowing that you have access to finance and insurance from one of Australia's most experienced vehicle finance providers with over 30 years in operation.

At Toowoomba Toyota our number one priority is customer satisfaction, and Toyota Finance and Insurance shares the same philosophy. And rest assured, the same expertise that goes into every Toyota vehicle is also behind the solutions offered by Toyota Finance and Insurance.

Let us guide you through a variety of vehicle loan and insurance options to fit around your lifestyle and specific needs. So whether you’re buying a new car, upgrading your existing vehicle or adding a Toyota to your fleet, Toyota Finance and Insurance has the options to get you on the road much sooner than you thought possible.

Want that new car feeling? Let’s make it happen at Toowoomba Toyota.

Consumer Fixed Rate Car Loan

Drive out of the dealership sooner with a Consumer Fixed Rate Car Loan from Toyota Finance that offers flexible options tailored to suit your needs.

With a Consumer Fixed Rate Car Loan, you have the flexibility to choose your deposit amount. You’ll then have the security of a fixed interest rate for the term of your loan and the freedom to choose the length of your term, ranging from 1–7 years.

Budgeting is made easy with flexible payment options that let you incorporate extra costs, such as on-roads, insurance and roadside assistance, into the amount financed. You’ll also enjoy the confidence of always knowing exactly how much you have to pay each month.

Key benefits of a Consumer Fixed Rate Car Loan include:

  • A choice of car loan terms, ranging from 1–7 years
  • Financing of vehicles up to 7 years old
  • Flexible deposit amounts
  • The ability to make extra repayments, reducing the total interest payable
  • The option to include a balloon final payment, reducing monthly repayments
  • On-road costs, stamp duty, insurance, warranty and roadside assistance can be included in the amount financed
  • Always know exactly how much you have to pay each month

Talk to Toowoomba Toyota about a Consumer Fixed Rate Car Loan from Toyota Finance today.

Novated Lease

A novated lease is a finance arrangement used with salary packaging, where your employer pays for your car finance and running costs directly from your pre- and post-tax salary. It’s a tax-effective way to get into the car you want, today.

A novated lease with Toyota Fleet Management (TFM) is one of the most convenient, simple and cost-effective ways to drive the car you want.

Features:

  • A tax-effective way to finance the Toyota of your choice
  • Transparency across all rates, fees and charges
  • Discounted vehicle price due to TFM’s buying power
  • Flexible terms to suit your needs
  • Dedicated novated lease experts to support you every step of the way

Benefits:

  • Save on the car price and finance rate, thanks to TFM’s buying power
  • Set and forget with deductions made automatically from your salary
  • Enjoy cashless motoring with running costs included
  • Have the convenience and savings of a TFM Fuel Card
  • Keep the car, even if you change jobs

How do I set up a novated lease?

Start by choosing the Toyota you want and making sure your employer is on board (we can help with this). Then decide on a term that suits you - anywhere from 12 to 60 months is a typical arrangement.

A three-way novated lease agreement is set up between TFM, you and your employer. Your employer will take care of the payments through salary deductions, while you enjoy the benefits.

Talk to Toowoomba Toyota about Novated Leasing from Toyota Fleet Management today.

Business Vehicle Loan

A Business Vehicle Loan, also known as a Chattel Mortgage, is designed to provide a flexible and convenient way to finance vehicles that are used predominantly for business purposes. It makes financing easy so you can focus on what you do best.

With a Business Vehicle Loan you’ll have the security of knowing the vehicle is an asset of your business, even while you are paying it off.

It is a convenient way for GST registered businesses to finance a vehicle that is used predominantly for business purposes. You’ll have opportunities for income tax deductions through depreciation and interest charges, plus the added security of knowing the vehicle is an asset of your business, even while you’re paying it off. With a fixed interest rate over the finance term, plus the ability to make additional payments that reduce the total interest payable, your monthly costs will be in your hands.

Key benefits of a Toyota Finance Business Vehicle Loan include:

  • The security of a fixed interest rate over the term of the loan
  • A choice of loan terms, ranging from 1-7 years
  • Finance for any choice of vehicle that best suits your business needs
  • The ability to make additional payments, reducing the total interest payable
  • The option to reduce monthly payments by making a balloon final payment, freeing up business cash flow
  • Daily interest calculations on the outstanding principal balance, so any additional payments you make will reduce the total interest payable
  • On-road costs, stamp duty, insurance, warranty and roadside assistance can be included in the amount financed
  • Opportunities for income tax deductions through depreciation and interest charges
     

Talk to Toowoomba Toyota about a Business Vehicle Loan from Toyota Finance today.

Finance Lease

A Finance Lease is a popular business solution where you can get the vehicle of your choice without a deposit, allowing you to retain your capital for other purposes. At the end of the lease, you’ll have the opportunity to make an offer to purchase the vehicle or vary the lease by extending the term.

With a Finance Lease, you’ll also enjoy flexible options, with the ability to choose the lease term ranging from 1 to 7 years and add extra costs to the amount financed.

The key benefits of a Finance Lease from Toyota Finance for your business include:

  • Preserve your business capital with the ability to finance 100% of the vehicle
  • A choice of lease terms, ranging from 1–7 years
  • Finance for vehicles up to 3 years old
  • Fixed payments for the term of the lease, with options to extend, upgrade or make an offer to buy at the end of your lease
  • Finance for any choice of vehicle that best suits your business needs
  • Rental payments may be income tax deductible if you use the vehicle for business purposes and to generate income
  • GST on rentals may be recoverable in whole or part
  • The ability to include on-road costs, insurance and warranty products in the amount financed

You should check with your accountant or financial adviser to determine whether this car finance arrangement best suits your business needs.

Talk to Toowoomba Toyota about a Finance Lease from Toyota Finance today.

Toyota Insurance

With so many providers offering complicated policies, insurance can be a foggy issue. But now the choice is clear. Toyota Insurance 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. Talk to Toowoomba Toyota today about Toyota Insurance.

Motor Vehicle Insurance*1

If anything happens to your Toyota you’ll want to know you’re in safe hands. But with Motor Vehicle Insurance from Toyota Insurance you will be back on the road in no time. Plus, you’ll get the reassurance that repairs will be done using Toyota Genuine Parts made specifically to fit your Toyota.

For a little extra, you can add optional benefits like Excess-free Glass Cover, or access to a rental car if your vehicle is accidentally damaged. And if you’d like to reduce your premium you can choose a Voluntary Excess.

There are flexible payment options so that you can pay your premium however you like – monthly for extra cash flow or annually to save on your premium. And if your vehicle is financed through Toyota Finance, you can have your insurance included in the total amount.

Whatever you choose, nothing protects your Toyota better than Toyota Insurance.

Key benefits include:

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

Need more information talk to Toowoomba Toyota today.

Finance Protection Insurance

If you're off work for a length of time due to illness or accidental injury, or following involuntary redundancy, our Finance Protection Insurance policy is designed to help. It assists you in meeting your finance contract repayments up to the maximum cover amount you've chosen1.

Depending upon your circumstances, Finance Protection Insurance can help you to1:

·       Make your vehicle repayments

·       Reduce your financial burden

·       Keep your vehicle; or

·       Return your vehicle to exit your loan

To find out more, download the Finance Protection Insurance Product Disclosure Statement (PDS) here and the Financial Services Guide (FSG) here.

Need more information talk to Toowoomba Toyota today.

Finance Gap Insurance*1

If you’ve financed your vehicle and it’s written off as a result of an accident or theft, Finance Gap Insurance from Toyota Insurance can help. It can cover your outstanding loan balance, depending on the level of cover you choose.

Finance Gap Insurance provides up to $30,000 for the gap between the amount your comprehensive insurer pays you and the amount you owe your financier. It also provides up to $4,000 for extra costs and up to $750 for establishment fees when your replacement vehicle is financed with Toyota Finance. A one-off premium covers you for the duration of your finance contract.

Talk to Toowoomba Toyota about the four cover options:

  • Up to $30,000 gap and up to $4,000 additional expenses
  • Up to $15,000 gap and up to $4,000 additional expenses
  • Up to $10,000 gap and up to $2,000 additional expenses
  • Up to $10,000 gap and up to $1,000 additional expenses

Organising Finance Gap Insurance

You can only purchase your cover at the time you are purchasing your vehicle. To be eligible for cover you must have a finance contract on your vehicle, and it must be covered by a comprehensive motor vehicle insurance policy.

A simple, one-off payment can be included in the total amount being financed with Toyota Finance. There is no yearly premium, this one-off payment provides you with Finance Gap Insurance cover for the life of your vehicle’s finance contract. To arrange cover, simply talk to Toowoomba Toyota when you purchase your Toyota.

Need more information talk to Toowoomba Toyota today.

Extended Warranty Insurance*1

Toyota Insurance Factory Approved Extended Warranty Insurance covers your Toyota vehicle for the repair or replacement of any component that’s defective in materials or workmanship, long after your new vehicle warranty has expired.

Designed to provide your vehicle with protection that continues after your Dealer statutory warranty and Toyota new vehicle warranty cover end, you can get additional benefits such as towing, car hire, accommodation expenses and Toyota Insurance excess reimbursement.              

Factory Approved Extended Warranty insurance is exclusively available to Toyota vehicle owners, providing your Toyota is within its 36-month warranty period and has travelled less than 90,000km. It covers the repair or replacement of any Toyota component defective in materials or workmanship under normal operation and use. Plus, all repairs will be performed using only Toyota Genuine Parts. Any parts and accessories purchased will also be covered for the remaining period of cover.

Talk to Toowoomba Toyota about choosing a 1, 2 or 3 year plan term, capped at either 100,000km or 150,000km, depending on your driving habits.

Need more information talk to Toowoomba Toyota today.

Toyota Extra Care*2

At Toowoomba Toyota we’re committed to providing you with the highest levels of service and extra care, to ensure you have many years of enjoyable motoring. And you know that when you purchase Toyota Extra Care Road Side Assistance, you’ll be in good hands because, after all, nobody knows your Toyota better than we do.

Toyota Extra Care Roadside Assistance

If your vehicle breaks down or you’re involved in an accident, Toyota Extra Care Roadside Assistance will have you back on the road in no time. With unlimited call outs and customer service assistants who will be there to take your call 24 hours a day, every day of the year. It doesn’t matter where you happen to break down because Toyota Extra Care looks after you nationwide.

Toyota Extra Care Roadside Assist costs $78 per year and provides you with reliable and secure roadside assistance for your vehicle 24 hours a day, 365 days a year, all around Australia, with unlimited call outs. Whether you need towing, emergency fuel, jump-starting, tyre changing or even assistance with lost or locked-in keys, help is just a phone call away. And you know you’ll be in good hands, because nobody knows your Toyota better than we do.

Key benefits of Toyota Extra Care Roadside Assist include:

  • Only $78 per year
  • Unlimited call outs
  • 24/7, 365 days a year roadside assistance
  • Nationwide assistance
  • Towing to a Toyota Dealer
  • Emergency fuel
  • Jump-starting and battery replacement
  • Flat tyre change
  • Help with lost or locked-in keys
  • Accident coordination

Roadside Assist PLUS

Roadside Assist PLUS costs $117 per year and offers roadside assistance that’s 24/7, 365 days a year and nation-wide, with unlimited call outs. You’ll receive all the assistance options that come with a normal membership, including towing, emergency fuel, jump starting, tyre changing and help with lost or locked-in keys. Plus you’ll have access to emergency hotel accommodation, alternative transportation and emergency parts supply.

Key benefits of Roadside Assist PLUS include:

  • Only $117 per year
  • Unlimited call outs
  • 24/7, 365 days a year roadside assistance
  • Nationwide assistance
  • Towing to a Toyota Dealer
  • Emergency fuel
  • Jump-starting and battery replacement
  • Flat tyre change
  • Help with lost or locked-in keys
  • Emergency hotel accommodation
  • Emergency rental vehicle
  • Alternative transportation
  • Emergency parts supply
  • Accident coordination

Need more information talk to Toowoomba Toyota today.

 

 


DISCLAIMERS
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.
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.
Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536
*1 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 for the relevant product available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). For Finance Protection Insurance Adica accepts liability for the benefits for which it is the Insurer. Adica acts under its own Financial Services Licence and under agreement with AIA Australia Limited ABN 79 004 837 861 AFSL 230043 when providing financial services on behalf of AIA Australia Limited concerning life cover.
Our warranty insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our warranty insurance policies for the benefits covered is in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our warranty insurance policies even if you have rights under the law.
*2 Toyota Extra Care is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 and is fulfilled by AWP Australia Pty Ltd ABN 52 097 227 177 trading as Allianz Global Assistance, under an arrangement with Toyota Finance Australia Limited.
Allianz Insurance - Toowoomba Toyota arranges insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision about insurance please consider the Product Disclosure Statement available from us. If you buy insurance from us we may receive a commission which is a percentage of the premium. Ask us for more details before we provide our services.
1Terms 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 for the relevant product available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is issued by Toyota Finance Australia Limited (TFAL) ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Insurance is purchased online, the issuer and insurer is Adica. Our warranty insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our warranty insurance policies for the benefits covered is in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our warranty insurance policies even if you have rights under the law.
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.

Just some of Toowoomba Toyota's advantages:

  • Toyota Access
  • Toyota Genuine Parts
  • Toyota Certified Advantage
  • Toyota Insurance Advantage
  • Toyota Fleet Specialist
  • 5-Star Guest Experience