Toyota Access: The BEST WAY to finance your Toyota | Sunshine Toyota on the Sunshine Coast

Toyota Access: The BEST WAY to finance your Toyota

Posted: 28/04/2022
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If you’re in the market for a Toyota you’ve probably come across Toyota Access in your research. But what exactly is it? If you’ve been wondering just that, the team at Sunshine Toyota on the Sunshine Coast are here to break it down for you!

Let’s face it, securing car finance can be a daunting process. For many, particularly if you’re not a numbers person (guilty!) getting a basic understanding of car finance can be tricky, let alone understanding whether you’re getting a good deal, and that’s where Toyota Access comes in.

Toyota Access is a flexible car loan that’s tailored to suit you and your needs. Want to pay off your loan in 3 years instead of 4? Done. Want to make your repayments monthly instead of weekly? Done. Toyota Access gives you the control, to pay your loan back on your terms.

You can also lower your monthly repayments [F9] with a Guaranteed Future Value [F2] offered on every Toyota Access loan. Not only does this help you plan for the future with confidence, but from day 1 you’ll know your monthly repayments and what your Toyota will be valued at, at the end of the loan as determined by us.

At the end of your loan you get to decide what happens next and with Toyota Access you’ve got 3 options:

  1. TRADE IT IN & UPGRADE YOUR CAR - Use the trade-in value or sale price to pay the remaining balance of your car loan.
  2. KEEP IT - Simply pay the outstanding balance (including the final payment). Toyota Finance can help you refinance the balance of your car loan if you don't have the cash on hand (to approved applicants only).
  3. RETURN IT - Toyota Finance will pay you the Guaranteed Future Value that was agreed on at the start of your loan term and put it towards the remaining balance owing on your account (subject to fair wear and tear conditions and agreed kilometres being met).

Toyota Access is available on our entire range of new, demonstrator and certified pre-owned vehicles. So you can drive away in the Toyota you want today, with the knowledge that the future is taken care of.

Benefits of choosing Toyota Access:

So now that you know what Toyota Access is, what are the benefits of choosing Toyota Access for your car finance?:

  • An Access loan offers lower monthly repayments[F9] than a standard car loan
  • You’ll know the Guaranteed Future Value[F2] of your car
  • You have the option to trade, keep or return your vehicle when your loan term ends
  • You get to decide on the deposit you want to pay - if any
  • You choose a loan term of either 3 or 4 years
  • Choose weekly, fortnightly, or monthly repayments, whatever suits your budget

What is Guaranteed Future Value?

The Guaranteed Future Value[F2] is how much your car will be worth to Toyota Finance at the end of your car loan - subject to fair wear and tear and agreed kilometres being met.

This is based on the length of your loan term and the number of kilometres you drive. It gives you that extra peace of mind of knowing where you'll stand in the future.

Know what’s ahead

It can be worrying not knowing what the future holds. With a Toyota Access Loan, you can see exactly where you’re headed.

Keep your options open

There’s more than one way to end your Toyota Access Loan. We’ll give you all the choices upfront, to do what suits you best when the time comes.

Stay in control

Design your Toyota Access Loan to suit you. You decide on your deposit amount, term length and repayment frequency to calculate your Guaranteed Future Value[F2].


So what happens next? Well, it's easy!

  • Step 1: Choose a Toyota (any new, eligible demo or certified pre-owned vehicle works)
  • Step 2: Choose your deposit amount (if any)
  • Step 3: Choose the frequency of your repayments (weekly, fortnightly or monthly) & loan term (3-4 years)
  • Step 4: Estimate how many kilometres you’ll drive over the life of your loan up to 15,000kms annually

Once you have this information, Toyota Finance can provide you with a quote and a Guaranteed Future Value estimate based on your choices and current market data. Using your Toyota Personalised Rate [F6] and your Guaranteed Future Value we can then offer you a competitive fixed-rate loan, it's that simple.

Interested in learning more about Toyota Access? Talk to our team of Accredited Business Managers to discuss your options when it comes to car finance.

Just some of Sunshine Toyota on the Sunshine Coast's advantages:

  • Toyota Access
  • Toyota Genuine Parts
  • Toyota Certified Advantage
  • Toyota Insurance Advantage
  • Toyota Fleet Specialist