Finance - Personal at Clintons Toyota

Personal Vehicle Loan

Putting you in the driving seat

When you're looking to purchase a new or used motor vehicle that will be driven predominantly for personal, domestic or household use, a Toyota Financial Services Personal Vehicle Loan is a fast and flexible way to get into the car you want - today!

Features and Benefits:

  • The security of a fixed interest rate for the term of the loan
  • A choice of loan terms ranging from 1 - 5 years
  • Financing for vehicles up to 7 years old
  • Finance for both Toyota and non-Toyota vehicles
  • A choice of flexible payment options
  • The ability to make extra repayments, reducing the total interest payable
  • The option of a balloon payment at the end of the loan - subject to capacity guidelines.

Novated Lease

A novated lease is a popular salary packaging tool. It provides employees with the opportunity to include a motor vehicle of their choice as part of their salary package. A novated lease is an agreement between an employee, their employer and Toyota Financial Services. The employee and their employer enter into a novation agreement with Toyota Financial Services, under which the lessee's obligations are transferred to the employer and the employer pays the monthly rentals from the employee's salary.


The potential to access vehicle discounts available to their employer
Fixed payments for the term of the lease
A choice of lease terms from 1 - 5 years
A tax effective form of vehicle financing for the employee

If the employee changes their employment during the term of the novated lease, the payment obligations reverts to the employee. The employee may, however, be able to novate the lease to their new employer. This means an employer will not be left with any unwanted vehicles if an employee moves on.

Novated Lease Vehicle Package

You can also have a novated lease vehicle package; this has been designed to provide a total vehicle packaging solution which can include vehicle expenses and FBT management. An effective vehicle package management tool for employers of small to medium-sized businesses.

The following are included in the monthly lease rental:

  • Routine maintenance & servicing
  • Tyre replacement
  • Vehicle registration renewals (including CTP renewals where required)
  • Comprehensive Insurance renewals
  • Comprehensive reporting is provided to both the employer and employee
  • Caltex Fuel StarCard (provides a fuel discount off the pump price) billed on a monthly basis.

* A minimum term of 12 months and a maximum term of 84 months apply (max 60 months with a balloon payment), subject to Toyota Finance policy and procedure.  + A minimum term of 12 months and a maximum of 48 months apply, subject to Toyota Finance policy and procedure.  @ A minimum term of 12 months and a maximum of 60 months apply, subject to Toyota Finance policy and procedure.  >Toyota Access Guaranteed Future Value (GFV) products are available to approved customers of Toyota Finance Terms and conditions apply.  Ask Armstrong Toyota for more information.  #Early termination fees may apply.  ^Additional interest charges accrue whenever a balloon final payment option is selected.  ~ Deposits may be required for capacity reasons.  % CTP Insurance can only be included in NSW & QLD only.  x Subject to employer's vehicle policy.

*Subject to Toyota Finance policy and approval.  #Subject to employer and TFpolicy and approval.  ^The extent to which a Novated Lease package may improve your after tax disposable income depends on various factors including employer packaging policy, kilometres travelled during the applicable FBT year, whether the lease is a luxury or non-luxury vehicle lease and employee marginal tax rates.

Approved applicants only. Terms and conditions apply. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. This information provided by Toyota Finance and is of a general nature and for information only. Nothing on this website constitutes or should be considered to constitute legal, taxation or financial advice. Before making a decision about any of the products and services featured on this website, you should consult with your own independent legal, taxation and financial advisors, who can advise you about your personal circumstances.