Top 3 Reasons To Choose Toyota Car Finance

When it comes to financing a car, there are so many options out there that it can be difficult to know which to choose in order to get the best value for your money for financial security. Toyota Access Car Finance is the solution you’ve been looking for.

Why choose Toyota Car Finance? Toyota Access Car Finance gives you the freedom to drive away in your dream Toyota today with the peace of mind that the future is taken care of. Our transparent car loan service ensures that you know exactly what you are getting into, with a personalised interest rate and predictable payments for the life of the loan.

At Downtown Toyota, we are passionate about helping people from all walks of life meet their automotive potential with our flexible Toyota Access Car Finance that will put you in control. There are three main benefits to choosing Toyota Car Finance over any other institution: Guaranteed Future Value, end of term flexibility, and a personalised interest rate for fixed repayments. 

1) Guaranteed Future Value

When you want to know exactly what you’re getting from your personal car loan besides a quality-made, reliable Toyota vehicle, Toyota Access Car Finance has the answer. 

The number one benefit of choosing Toyota car finance is that the future value of your Toyota vehicle at the end of your loan term is guaranteed. This means that you will know exactly how much your vehicle will be worth to us when your car loan term is up, giving you the reassurance of knowing where you will stand in the future, now.

How Toyota Guaranteed Future Value Works

The Guaranteed Future Value of your Toyota is the estimated value of your vehicle at the end of the loan term (subject to fair wear and tear and agreed kilometres being met). This is determined before any contract is signed by Toyota Finance and becomes the final payment of your loan. 

How Is Guaranteed Future Value Calculated?

We will calculate the Guaranteed Future Value of your Toyota based on several factors, including your chosen deposit (if any) and loan term, as well as your estimation of how many kilometres you will travel during the period of your loan, including any already on the odometer. Other considerations when calculating your Toyota’s Guaranteed Future Value include the sales results of similar vehicles, new model data, and economic factors. 

Subject To Fair Wear And Tear & End Odometer

While your Toyota’s Guaranteed Future Value is subject to fair wear and tear and the end odometer reading, you will be given a guide to our fair wear and tear conditions before your loan begins, providing you with everything you need to know to achieve your Guaranteed Future Value.  

However, if your vehicle does not meet our fair wear and tear guidelines or the agreed upon end odometer reading, you are not out of options. For damaged vehicles, we will give you the option to have it repaired, or we can take care of it and simply deduct the cost of repairs from your Guaranteed Future Value. 

Similarly, if you exceed your estimated kilometres there is an excess usage charge that we can apply, offering you the adjusted Guaranteed Future Value price at the end of your loan term. 

2) End Of Term Flexibility

Another benefit of choosing Toyota Access Car Finance is the flexibility it gives you at the end of your loan term. After successfully completing your payments at the end of your loan term, you will have three exciting options to choose from for your Toyota: trade it, keep it or return it.

Trade It In

At the completion of your Toyota Access Car Loan, you will have the option to trade in your Toyota and upgrade to a new model. Plus, if the trade in value of your vehicle is higher than the remaining balance, that additional amount can be put towards the purchase of your new vehicle. 

Keep It

If you’re not interested in upgrading your Toyota, you will also have the option to keep your vehicle by either paying the outstanding cost outright at the end of your loan term or refinancing that amount through Toyota Finance (terms and conditions apply) to finish paying off the vehicle with an easy repayment plan.     

Return It

Alternatively, with our Guaranteed Future Value program, you will be able to return the vehicle to us at the end of your loan term for the amount that was agreed upon at the start of your loan that can go towards paying the remaining balance of the vehicle. 

3) Personalise Your Interest Rate

Toyota Access Car Finance offers the simplicity of fixed repayments throughout the loan term with a personalised interest rate. This means that you will know exactly what you need to pay each period with no changes or surprises, making it easier than ever to keep track of your loan repayments.

With the predictable payments a Toyota Access Car Loan offers, you will be able to accurately track and manage your loan, making financing your dream car through Toyota effortless. 

When it comes to personal vehicle loans, Downtown Toyota are the experts. We’ll help you secure a car loan that works for you with predictable payments and no nasty surprises! 

Start exploring your car finance options with Downtown Toyota today! Enquire below or find out nearly everything you need to know about Car Finance from Downtown Toyota here. 

Downtown Toyota makes car finance easy. In fact, we can provide you with a competitive Toyota Access Loan in minutes, with just a driver’s licence and a few other details. Talk to one of our Toyota Finance specialists today for more information and expert advice on financing your next Toyota.