Frequently Asked Questions

  • How do I register for a Toyota Finance Online?

    Select the 'Register' link on the Login page and enter the details requested. You will require your Customer Number which will be located on the Welcome Letter you received at the commencement of your contract. If you do not know your Customer Number, please contact our Customer Service Centre on 137 200 for assistance.

  • What happens if I forget my Password?

    You can reset your Password online by answering the security questions you nominated when you first registered for Toyota Finance Online. Alternatively, you can contact our Customer Service Centre on 137 200 to organise for the Password to be sent to you via email or SMS.

  • Will I be able to see all of my contracts online?

    You will be able to view all current contracts of which you are a contract party to; either as a Borrower, Co-Borrower or Company Guarantor.

    You will be able to view information about finalised contracts from the Contract Details page until such time that it is archived. To obtain information about archived contracts, please contact our Customer Service Centre on 137 200.

  • Why is my current contract not displayed?

    If you have more than one contract with us (either current or finalised), it is possible that we have accidentally created 2 Customer Numbers for you.

    Please contact our Customer Service Centre on 137 200 and we will be happy to rectify this situation, to ensure that you are able to view all of your contracts through Toyota Finance Online.

  • Where will I find my balance?

    Your balance is shown on the Summary page, which is the first page displayed after you have logged in. If you have more than one current contract, all balances will be displayed here.

    Please be aware that this figure is a balance only, and if it is your intention to finalise your contract you will need to calculate a payout quote via the Payout Quote page.

  • Why can't I see the balance on my lease?

    A balance is not applicable for a lease. If you would like to know how much is left to pay for a lease, you can calculate a payout quote via the Payout Quote page.

  • Can I view my payments and interest charges online?

    Yes. All payments, interest charges and other transactions can be viewed from the Transaction page. You can enter a date range to view transactions for a specified period of time (such as financial year). You can also print a Transaction Listing from this page.

  • How do I print a Statement?

    From the Transaction page you will be able to view, print or save a PDF version of your Statement which will include all transactions from the commencement of your contract.

  • Can I have a statement mailed to me?

    By contacting our Customer Service Centre, you can request that a statement be posted to you. The Statement will be generated overnight and posted to you the following business day. We can also email or fax this, should you request it. Please note that a fee is payable.

    Alternatively, you can print a Statement yourself from the Transaction page.

  • How can I find out how much interest I paid last financial year?

    You will find a link on the Contract Details page entitled Annual Interest which will provide you with this information for previous financial years.

  • Where can I find out how many repayments I have left remaining?

    The Contract Details page will provide you with details of when your contract commenced, how many months your contract has been running for and when it is due to end.

    This page also provides other useful information such as the amount of money you borrowed, details of your vehicle, and your repayment details.

  • How can I find out when my next payment is due?

    The Contract Details page will advise you of your contracted monthly repayment amount and next due date.

    This page also provides other useful information such as the amount of money you borrowed, details of your vehicle, and when your contract is due to be finalised.

    If you have a weekly or fortnightly payment, details of this can be found on the Payment Details page.

  • What do I do if I am having a difficulty in making my payments?

    Simply contact our Customer Solutions Centre on 1300 888 867 so that we can assist you with making a payment arrangement.

  • Can I print a copy of my contract online?

    No. You will need to contact our Customer Service Centre on 137 200 and they will be happy to assist you with this. Please be aware that a fee may apply.

  • What are the payment methods available?

    The most common payment method is Direct Debit. You can nominate to make your payments weekly, fortnightly or monthly to suit your pay cycle.

    You can also elect to make extra payments to pay your loan off sooner, which may save you money on your interest charges depending on your type of loan. To find out more, please contact our National Customer Solutions Centre on 137 200.

    You can also elect to pay your loan by EFT (Electronic Fund Transfer), BPAY or Australia Post Billpay. Please note that a payment method fee will apply for all payments other than direct debit.

    Using EFT you can set-up regular payments or make a one off transfer from your bank account using internet banking. Simply register Toyota Financial Services as the payee by using the BSB and Account Number provided to you. The Account Name for EFT is Toyota Financial Services.

    The Change Payment Details screen on Toyota Finance Online shows details of our Biller Codes and your Customer Reference Number. Alternatively, refer to any recent letter from us where these details are displayed.

    The Account Name for EFT is Toyota Finance.

  • Can I make my payments by credit card?

    No. You are not able to use another credit facility to pay your contract. This includes payments by Direct Debit, BPAY and Postbillpay. You will be required to nominate payments from a Savings or Cheque account.

  • Can I make changes to my payment details?

    Yes. There are many options available to assist you in managing your payments. Some changes can be made by accessing the Payment Details page. Otherwise you may contact our Customer Service Centre on 137 200, and we will be happy to assist.

  • How do I update the bank account details for my Direct Debit?

    From the Payment Details page, you will be able to set up a new Direct Debit, or update your existing bank account details.

    The bank account must be in the same name as a contract party to the loan. For company accounts, the bank account must be in the company name or one of the Guarantors and you must be authorised to operate the account. We cannot accept a bank account in the name of a third party or different company.

    Alternatively, our Customer Service Centre will be able to update your details by telephone or send you a Direct Debit form.

  • How do I change my payment frequency?

    You may elect to make your payments weekly, fortnightly or monthly to align with your pay.

    If you wish to change frequency to weekly or fortnightly, it is important that your payments are structured in such a way that the full monthly amount is received by the Due Date each month, to ensure that your account does not fall overdue.

    Please contact our Customer Service Centre on 137 200 and we will be happy to assist you in calculating and updating your payment frequency.

  • Can I change my payment amount?

    Provided your payments are not less than the Minimum Monthly Repayment, you can change the amount by accessing the Payment Details page.

    Please be aware that for Term Purchase and Lease contracts there are no interest savings to be gained by making additional or increased payments. Please contact our Customer Service Centre if you would like further information.

  • When will changes to my payment details be processed?

    Any changes to your payment details that are made on a business day (Monday to Friday) between 8:00am - 8:00pm AEST will be updated that night and take effect from the following business day. Changes made outside of these hours will be updated within 2 business days. This includes changes made on a public holiday or weekend.

    Please note that public holidays are applicable to the state in which you originally financed your loan, even if you have since moved to another state.

    To avoid the inconvenience and fees associated with a dishonoured payment, please ensure that you have the funds available in the applicable bank account.

  • How can I order a Payment Card?

    You can order a new or replacement Payment Card for a fee of $5, by contacting our Customer Service Centre on 137 200. The card can be used to make payments in person at any Australia Post outlet.

    Please note that a payment method fee will apply for all payments made using a Payment Card.

  • How can I make a once off payment to my contract?

    Easy. If you are currently paying by Direct Debit, simply contact our Customer Service Centre on 137 200 and we will be able to schedule a One Off Direct Debit from your current bank account, on a business day that you nominate for any amount that you choose.

    Alternatively, you can use any of our other payment options including BPAY or Postbillpay. You may wish to contact your financial institution to enquire if any daily limits apply.

    Please note that a payment fee will apply for all payments other than Direct Debit.

  • What do I do if I want to finalise my contract?

    To ensure a smooth finalisation of your contract, it is important to have an accurate payout figure calculated. By navigating to the Payout Quote page you will be able to calculate a figure for any business day up to the next monthly Due Date.

    It is important to note that the Payout Quote will assume that any recent payments have been honoured. In the event that a recent payment dishonours, there will be a shortfall and the contract will not be finalised until this amount along with any dishonour fees, have been paid.

  • I have been asked to provide someone with a written Payout Quote. Can I do this?

    Yes. You will be able to print a copy of the payout amount from the Payout Quote page.

    Alternatively a Payout Quote letter can be ordered at a cost of $25 by contacting our Customer Service Centre. The letter will be generated overnight and posted to you.

  • Can I have a payout letter mailed to me?

    By contacting our Customer Service Centre, you can request that a Payout Letter be posted to you. The letter will be generated overnight and posted to you the following business day. We can also email or fax this, should you request it. Please note that a fee is payable.

  • How can I payout my loan?

    One of the easiest ways to pay out your contract is by One Off Direct Debit.

    If you currently pay by Direct Debit, and the money is available in the bank account from which we are currently deducting your payments, you can authorise us to process a One Off payment on a business day that you nominate.

    Simply call our Customer Service Centre on 137 200 and one of our team will be happy to assist you with this.

    Payments can also be made by BPAY & Postbillpay. You may wish to contact your financial institution to enquire if any daily limits apply.

    If the contract is being paid out by a third party, please contact a member of our Customer Service team who will be able to advise you of alternative payment options.

  • What happens once I pay my contract out?

    Once the contract has been paid in full, you will receive a letter to confirm that the contract is now finalised. You may wish to provide a copy of this letter to your insurance company, as many insurers will offer a lower premium if the vehicle is no longer under finance.

    You may like to consider obtaining a quote from Toyota Insurance by calling 137 200, to have as a comparison when contacting your own insurer.

    If you were making your payments by Direct Debit, this will automatically be cancelled to ensure that no more payments are deducted.

    If there has been an overpayment you will receive a refund 5 - 7 business days after the contract has been finalised.

  • Once my contract has been paid out, will I still be able to view it online?

    Information regarding your terminated contract will still be available on the Contract Details page for a few months until this information is archived.

    You will still be able to obtain information about your terminated contracts by contacting our Customer Service Centre.

  • I have just received a letter to say that my contract is about to mature and a balloon payment is due. What are my options?

    If it is your intention to pay the balloon or residual in full, you can simply calculate a figure from the Payout Quote page and finalise the contract.

    Alternatively, you may like to call 137 200 and speak with a staff member from our Customer Sales Centre who can discuss the options of refinancing your balloon or residual for a further period.

  • Can I change my address and contact details online?

    You can update your address and contact details via the Personal Details page.

    Please ensure that your residential address is the address where the vehicle is primarily garaged. You may nominate a different mailing address if required.

  • Can I view my personal and business contracts online?

    If you are a company director or guarantor, you will have access to both your personal and company contact details.

  • What do I do if I have changed my name?

    You can advise us of a change of name by sending a copy of the appropriate documentation (eg, marriage certificate) to our Customer Service Centre by

                    Fax: 1300 888 876
                    Mail: PO Box 1354, Macquarie Centre NSW 2113


    If you are unsure of what type of information you will need to provide, please contact our Customer Service Centre on 137 200.

    To assist us in easily updating your details, please include your Contract Number and a contact telephone number in case we need to call you.

    Please allow a minimum of 2 business days for processing.

  • What do I do if my vehicle registration details have changed?

    All vehicles under finance in Australia are registered with state based bodies variously known as the Register of Encumbered Vehicles (REVS) or Vehicles Security Register (VSR).

    You must ensure that all vehicle details are accurate at all times. If you don't, there is a risk that your vehicle details may match with other cars that are under finance, either with us or other finance companies.

    This can result in documentation being sent out with incorrect vehicle details or delays in trying to finalise your contract.

    You can advise us of the new registration details by sending a copy of the registration papers to our Customer Service Centre by

                    Fax: 1300 888 876
                    Mail: PO Box 1354, Macquarie Centre NSW 2113


    To assist us in easily updating your details, please include your Contract Number and a contact telephone number in case we need to call you.

    Please allow a minimum of 2 business days for processing.

  • How do I have my car removed from the Register of Encumbered Vehicles (REVS) or Vehicle Security Register (VSR)?

    Once your contract has been paid in full, the encumbrance will automatically be removed from your vehicle after 9 days.

  • Which Internet Browser do I require in order to access Toyota Finance Online?

    Toyota Finance Online is supported by the following browsers

                    IE 5, 6 & 7
                    Firefox 2 & 3
                    Safari 2 & 3

  • What is Toyota Access?

    A new way to buy a Toyota that gives you all the confidence you need. Toyota Finance will let you know your finance costs at the outset, and guarantee the minimum amount your car will be worth at the end of your finance contract. That way, you’ll have the reassurance of knowing what lies ahead.

    • How does Toyota Access work?

      At the time of purchase you choose your car, then choose your deposit, loan term and agree on the estimated kilometres you expect to travel over the loan term. Based on this, Toyota Finance will guarantee the minimum future value of your new Toyota, otherwise known as the Guaranteed Future Value (GFV). When your term is up, you have the flexibility to trade, keep or return your car to Toyota Finance. So as your circumstances change your car can too, thanks to Toyota Access.

    • What’s a Guaranteed Future Value?

      It’s the minimum value your new Toyota will be worth at the end of your finance contract, as determined by Toyota Finance. If you decide to return your car to Toyota at the end of your term, Toyota Finance will pay you the guaranteed future value, which will be put against the remaining balance of your finance contract, including the final payment.

    • Who decides the Guaranteed Future Value, and how is it worked out?

      Toyota Finance analysts set the GFV, based on what they estimate vehicles will be worth in the future. This is done through sales results of similar vehicles, new model data and economic factors, with your loan term and agreed contract kilometre usage factored in.

    • Does the GFV equal the expected market value?

      The GFV is the minimum value that Toyota Finance believes your vehicle will be worth at the end of your contract term. This is subject to the vehicle being returned in a condition that meets Fair Wear and Tear guidelines, and not having travelled more kilometres than the agreed contract usage. With this in mind, the GFV may be more or less than the actual value of the vehicle.

    • Do I have to keep the car in good condition?

      Yes – if you want to take advantage of Toyota Finance's offer to buy the vehicle from you for the GFV. You will be given a Fair Wear and Tear Guide before you enter into your contract.

    • If there’s lots of damage can I return it and claim the GFV?

      If your vehicle doesn’t meet Fair Wear and Tear guidelines, Toyota Finance will give you the opportunity to have the vehicle repaired. Otherwise, Toyota Finance can organise the repairs and deduct the cost from your GFV. This adjusted GFV will then be the price that Toyota Finance will offer you if you return the car at the end of your term. Of course, if you keep the vehicle, the condition doesn’t matter. And if you trade it in or sell it privately, the condition will obviously impact your sale price.

    • Can I trade my car?

      Yes. You can trade your car at any time for a new vehicle, however you will need to pay the remaining balance of your account and forgo the GFV.

    • Can I keep my car?

      Yes, you simply pay out your finance contract at the end of the term. Toyota Finance may offer you the chance to extend, vary or refinance the final payment. If you choose this option, the GFV will no longer apply.

    • Can I sell my car privately?

      Yes. Simply pay out the remaining balance of your account. If you do this, the GFV will no longer apply.

    • Can I return my car?

      Yes. Providing your vehicle meets the Fair Wear and Tear guidelines and you have not exceeded your agreed kilometre usage, Toyota Finance will use your GFV to pay out the balance of your loan so you have nothing left to pay.

    • What if I drive extra kilometres?

      If you travel more than your agreed kilometre usage, an excess usage charge will apply. This will be deducted from your GFV, which then becomes your adjusted GFV.

    • Is this a lease?

      No. If you enter into a Toyota Access Consumer Loan Contract or Toyota Access Business Vehicle Loan, you own the vehicle, with Toyota Finance taking a security interest over it. However, if you enter into a Toyota Access Term Purchase agreement, Toyota Finance owns the vehicle until your finance contract is paid out. You may then be given the opportunity to purchase the car.

    • This sounds good, but do you charge more?

      Toyota Access is competitively priced. As the final payment equates to the GFV, the interest is higher than that of a loan with a similar amount and term without a balloon final payment. Of course, the deposit and any prepayment of monthly payments will help reduce charges. We suggest you seek financial advice to ensure this product is right for you.

    • If I use my car for business, are repayments tax deductible?

      Toyota Finance does not provide business or tax advice. We suggest you seek independent advice.

    • What vehicle can I select with Toyota Access?

      Toyota Access is applicable for all passenger and light commercial Toyota vehicles.

    • Where can I get Toyota Access from?

      You can go to any Toyota dealership to buy your new Toyota with Toyota Access.

    • What terms are allowed for Toyota Access?

      Toyota Access can be taken out for terms of 12, 24, 36 or 48 months.

    • Can I refinance my loan during the term of the contract and retain the Guaranteed Future Value?

      If you refinance your loan you will no longer be able to return your vehicle for the Guaranteed Future Value. The Guaranteed Future Value is not available on the refinanced contract.

  • Can I receive my correspondence by email?

    Yes. You can nominate your preferred correspondence method via the Personal Details page. Please ensure that your email address and mobile number are correctly recorded. You can update your nominated address or change your correspondence preference at any time via .
    Please note that some notices and other documents will be posted to your mailing address, even if you have requested to receive correspondence electronically.

  • I don't want to hear about the latest offers, events and other news. Can I opt out?

    Yes. You can specify your marketing preference on the Personal Details page.

Need Help?
The information required to register for Toyota Finance Online is located in the letter you received when your contract was established.
If you are experiencing problems with this process, please call us on 137 200 8:30am - 7:00pm Monday to Friday (EST/EDST).