The other big F word… Finance! At Sunshine Toyota

Buying a new car can be a big decision and long-term commitment especially if you need to purchase it on finance. It would be nice if we had the money sitting in our bank accounts right? But let’s be honest, most of us will need to consider finance options. Luckily, Toyota has cheap car finance offers on the Sunshine Coast that will have you wishing you had bought a new car or used car with us sooner!

What is Toyota Finance?

When you purchase a Toyota on finance means you are borrowing money directly from Toyota and not a bank. Toyota Financial Services is the largest automotive finance company in Australia and the second largest in the world! So you know you are safe by not borrowing from a small and possibly un-trustworthy finance company that may have high-interest rates and also charge huge administration fees.

What is the difference between a bank loan and Toyota Finance?

Not only will Toyota Finance possibly save you thousands compared to a bank loan it’s also is extremely convenient. When you are at Sunshine Toyota you do all the paperwork there with our specialist finance team. It’s a one-stop shop! With a bank, it could take weeks for this whole process depending on your situation!  With Toyota Finance you may even find out on the day if you are approved. This ‘hassle free’, ‘guest-centric’ mantra is what makes Toyota Finance truly an industry leader in the car finance market.

Toyota Finance is fast and easy on the Sunshine Coast

Toyota Finance takes the hassle out of organising finance with the bank and will have you driving away in your new car in no time. To get started, simply follow these 5 easy steps;

1.     Choose your Toyota. Whether for personal or business use, you can select a new or demo model Toyota that works for you and your budget.

2.     Choose the deposit you want to pay (if any).

3.     Choose your car loan term (up to four years).

4.     Estimate the number of kilometres you expect to travel by the end of the car loan term. Your Dealer can provide you with kilometre band guidelines.

5.     Choose when you would like to pay: weekly, fortnightly or monthly.

Toyota Finance then calculates the Guaranteed Future Value (GFV)* for your Toyota, with the final payment equal to your GFV. We then finalise your loan package, with a fixed interest rate and repayment schedule that has been tailored to suit your needs. From the time you drive away, you’ll enjoy lower repayments^ and the reassurance of knowing what lies ahead.

Get a great credit rating with Sunshine Toyota’s Finance

Also as an added bonus, Toyota Finance is part of the National Credit Reference Scheme. This means if you are good at paying back your Toyota Finance loan, this will be noted for lending companies the next time you need to loan money. E.g., for a mortgage in the future! When you are good at paying back bank loans, the banks keep that information private by citing ‘confidentiality’, however, if you are bad at paying back loans you may get blacklisted so every lender can see. Not very fair right?

Finance at Sunshine Toyota

To find out more about Toyota’s finance come in and see our finance specialists or visit our website for more information.