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Frequently Asked Questions

What are Toyota Personalised Repayments^[F6]?

Toyota Personalised Repayments^[F6] are based on your interest rate and other relevant criteria including amount financed, deposit, loan term and kilometres.

What is an interest rate and how do you calculate it?

Your interest rate is a rate of interest that Toyota Finance sets, tailored to your financial circumstances. Instead of taking a one-size-fits-all approach, we use your credit score and other relevant criteria to calculate a rate that’s right for you. It doesn’t matter who you are or where in Australia you live, the same transparent and trusted process applies.

Who calculates the rate?

The interest rate is calculated by Toyota Finance so you can be sure that we will use the same criteria to figure out your individual rate, no matter who you are or where you are in Australia.

Does getting a Toyota Personalised Repayments affect my credit score?

No. Toyota Finance’s access to your credit score will leave a file access footprint on your credit file. However this footprint is not visible to any credit providers to whom you may make a credit application and will not impact your credit score.

Why do I have to provide the information you request?

With Toyota Personalised Repayments^[F6] your interest rate is specific to your unique circumstances. We need to know a little bit about yourself to be able to provide you with your unique rate. Most of the information we ask about you is used to retrieve your credit score.