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Personal & Business Finance Options from Surf Toyota

We work with a global financier, backed by one of the largest motor vehicle manufacters in the world. We can help you get the financing you need to purchase a new or pre-owned vehicle at a price you can afford.

Complete our hassle free, credit application and we'll start the process to get you pre-qualified for a loan. Completing the application does not obligate you in any way.

Lending Products Available

For personal finance we recommend :

For business finance we recommend : 

Our team are here to support your automotive needs, so if you need finance for your vehicle, feel free to speak with our team or enquire online now.

Getting you where you need to go

There are a range of Toyota Finance products to help get you on the road in your new Toyota. No matter which option you choose, our clearly defined process gives you the confidence of a personalised rate and flexible options to manage your vehicle loan. Calculate your unique Toyota Personalised Repayments[F6] before selecting a financing option that best suits you.

Our Finance Products

Finance made for you

There’s a Toyota for every kind of journey. There’s also a Toyota Finance product for every life journey. We’ve designed all of our loans and leases to be flexible so that you can shape them to your unique needs.

Lower monthly repayments

Lower monthly repayments

A Toyota Access Vehicle Loan can offer you lower monthly repayments[F9] than a regular car loan, a Guaranteed Future Value[F2] and a loan term between 1 and 4 years. At the end of your loan, your options are flexible, helping you stay agile and in control.

Toyota Access Loan
Pay off your loan on your terms

Pay off your loan on your terms

Our Fixed Rate Car Loan puts you in control. Decide on your deposit amount or decide not to have one at all. You also get to choose the length of your loan - anywhere between 1 and 7 years - and how often your repayments are due. And best of all, at the end of the loan, the vehicle is yours to keep.

Fixed Rate Car Loan
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Flexible finance products for your business needs

Explore our financing range, tailored to suit you and your business.

Novated lease for employees

Novated lease for employees

Bundle the costs of owning a car into one monthly payment from your salary package.

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Novated lease for employers

Novated lease for employers

The smart way to mobilise your staff.

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Fixed Rate Loan for business

Fixed Rate Loan for business

Gear up to grow your business vehicle needs with confidence.

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Fleet Services and Products

Fleet Services and Products

We have a variety of products and services to assist you.

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Make a Finance Enquiry

Toyota Car Insurance[F7]

Designed for your Toyota by the people who know it best

Get the only car insurance cover built specifically for Toyota vehicles. Whatever happens to your Toyota, you know you’ll receive Toyota Genuine Parts for authorised repairs within the manufacturer’s new vehicle warranty period and a lifetime repairs guarantee when an authorised Toyota repairer works on your car with Toyota Comprehensive Car Insurance[F7]. Plus, receive a new replacement if your Toyota is less than three years old and damaged beyond repair.

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  • Disclaimer

    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.

    [F2] 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 Finance at the end of your term, Toyota Finance will pay you the agreed GFV, 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 GFV 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.

    [F6] Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

    [F7] 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 and Target Market Determination for the relevant product available from participating Dealers, via our website at toyotainsurance.com.au or by calling 137 200. Toyota Car Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Toyota Car Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Toyota Car Insurance is purchased online, the issuer and insurer is Adica.

    [F9] Lower monthly repayments compared to a similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.