What You NEED To Know About Toyota Access | Sunshine Toyota on the Sunshine Coast

What You NEED To Know About Toyota Access

Posted: 16/01/2020
  • Blog Image (1).png

What is Toyota Access?

Toyota Access was first introduced in 2012 and it’s a program run through Toyota Finance that is an easy way for you to get the car you want! Essentially, it’s a loan through Toyota Finance that runs over the course of 1 - 4 years. It’s affordable by keeping your weekly repayments low and gives you the flexibility to upgrade your car every four years while giving you security by providing a guaranteed future value.  

These shorter loan terms and lower repayments mean you can relive that new car feeling sooner than you thought!

How does Toyota Access work?

Toyota Access allows you to:

  • Choose the car you want
  • Choose your loan term
  • Estimate the number of kilometres you expect to travel per year 
  • Decide how often you would like to make your repayments (weekly, fortnightly or monthly).

Once that’s done, Toyota Finance calculates the Guaranteed Future Value (GFV) of your vehicle.

Leaving you with a loan package that has a fixed interest rate and repayment schedule entirely tailored to you!

What is a Guaranteed Future Value (GFV) and how is it calculated?

Guaranteed Future Value is exactly that! The Guaranteed Future Value we’ll pay for your car if you decide to sell your vehicle back to us at the end of your loan term (subject to fair wear and tear and agreed kilometres being met). Essentially, it’s the minimum value of your Toyota at the end of your loan term.

Your car’s GFV is calculated by Toyota Finance analysts and is based on what they think the vehicle will be worth in the future. Sales results from similar vehicles, new model data and economic factors are all taken into account. Toyota Finance also factors in your loan term and agreed end odometer.

What happens when my loan term ends?

When your loan term ends you have three options:

  1. Trade
  2. Keep
  3. Return

If you decide to upgrade to a new car or new model, we’ll buy the car for the GFV (subject to wear and tear and agreed kilometres being met) or more! If the trade-in value is higher than your outstanding balance, you can put the difference towards your new Toyota or keep it. Then you can upgrade to a brand new car for the same low repayments!

If you want to keep your car the process is super simple! Toyota will send you a text message asking if you would like to continue your repayments and all you have to do is send “Yes” back. Your repayments will then continue until the car has been paid off.

If you’d just like to sell the car completely, come into the dealership and we’ll pay you the Guaranteed Future Value that was agreed upon at the start of your loan term and put it against the remaining balance owing on your account.


Interested in Toyota Access to help get you the car you want? Come in and talk to our team today or call us on 5493 3900!

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