Lismore Toyota

For quality New, Demo and
Toyota Certified Pre-Owned Vehicles

Personal Fixed Rate Car Loan

Get personal car finance that’s tailored to you

Secure Your Toyota with a Personal Fixed Rate Loan from Lismore Toyota

Experience the stability and predictability of a Personal Fixed Rate Loan at Lismore Toyota. Our tailored loan options ensure your interest rate remains fixed for the life of your loan, providing you with consistent monthly payments. Whether you're purchasing a new or used Toyota vehicle, you can customise your loan terms, repayment frequency, and deposit amount to fit your budget. With Pacific Toyota's personalised rate calculation, you'll receive an interest rate that reflects your unique financial situation, making car ownership in Lismore more accessible.

Located in Lismore, Lismore Toyota offers comprehensive car finance solutions designed to simplify your vehicle purchase process. Our finance experts are dedicated to providing exceptional service, guiding you through every step from application to final approval. Incorporate on-road costs into your loan and enjoy the freedom to select any Toyota model that suits your lifestyle. Visit Lismore Toyota today to explore how a Personal Fixed Rate Loan can make your dream car a reality, and drive with confidence knowing your finances are secure.

With a fixed interest rate that doesn't change for the life of your loan, your ideal Toyota is within reach.

Looking for loan options for your business?

With Toyota Business Fixed Rate Car Loan, getting car finance for your business is easier than ever. Purchase any type of vehicles, new or old, and customer your loan terms to suit you.

BENEFITS

Why choose Toyota Personal Fixed Rate Car Loan?

We know financing can be confusing, so we’re here to make things easier. Get personalised car finance that allows you to purchase any type of vehicle, new or old, and customise your loan terms to suit you.

Toyota Personalised Rate

Toyota Personalised Rate

Using smart and sophisticated software, Lismore Toyota will calculate an interest rate that’s personalised for you.
Choose any Toyota

Choose any Toyota

Select the Toyota that’s right for you from our range of new and used models.
Freedom of choice

Freedom of choice

Customise your deposit amount, your repayment term (up to 7 years) and your repayment frequency.
Convenience

Convenience

You can incorporate on-road costs related to the purchase of your vehicle into your personal fixed rate car loan.

HOW IT WORKS

How getting a Fixed Rate Car Loan works

If you’ve decided that a Personal Fixed Rate Car Loan is the best option for you, getting started couldn’t be easier.

Select your preferred Toyota

Select your preferred Toyota

New or used, purchase the car that’s right for you.
Decide on your personal loan payment details

Decide on your personal loan payment details

Stay in complete control of what and when you pay back.
Put down a deposit (or don’t)

Put down a deposit (or don’t)

A deposit can be paid upfront to reduce your loan amount.
Talk to your nearest dealer

Talk to Lismore Toyota

And start the application process!

What do I need to apply?

Before applying for Car Finance there are several documents you need to have ready. We have a checklist you can print to make sure you have everything you need.

Fees that will apply

The cost to set up your approved loan with Toyota Finance. It is payable upon loan settlement and can be included within the amount financed.

This is referred to in your contract as your Loan Account Establishment Fee.

$395

The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.

$6

A monthly fee for the management of your loan account.

$8/month

Dealership fees

This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.

The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you and arranging all the necessary paperwork to submit, manage and finalise your finance application.

$912.25

Fees that might apply

This fee applies when a payment is made by BPay. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don't pay fees on your regular repayments.

To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.

$1.50

This fee applies when a payment is made by BillPay, cheque, or direct deposit. You can avoid this fee by setting up a Direct Debit at the start of your loan, so you don’t pay fees on your regular repayments.

To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.

$3

This fee applies for replacement, supplementary, or new payment cards when you switch from Direct Debit to another payment method after the loan start date. You can avoid this fee by setting up a Direct Debit on all your future repayments, so you don't pay fees on your regular repayments.

To switch to Direct Debit payments log into your Toyota Finance Online account or contact us.

$5

This fee applies if your Direct Debit or Cheque payment is dishonoured.

You can avoid this fee by checking that your account has sufficient funds when payments are due to be debited. You can also change the date of your payments by contacting us.

$3.25

This fee applies if you’re late or miss a repayment, and your account goes into arrears. Toyota Finance will contact you about the overdue amount, and this is mentioned in your loan contract as an Arrears Follow-up Fee.

You can avoid this fee by ensuring that your account does not go into arrears. You can also change the date of your payments by contacting us.

$25

This fee applies if you request contract documentation from the Toyota Finance National Customer Solutions Centre.

You can avoid this fee by login into Toyota Finance Online where you can view, download, and print your loan documentation online without incurring this fee.

$25

This fee applies if your loan is repaid before its scheduled end date. Customers can find information about this fee on their Loan Schedule. Customers can also request an Early Termination Quote to help them decide whether to terminate early.

This fee can be avoided by continuing with scheduled loan repayments until the agreed completion date of the loan.

Toyota Personalised Repayments

Toyota Personalised Repayments

Long gone are the days of one-size-fits-all fixed rate personal car loans. Using smart and sophisticated software, we will calculate an interest rate that's personalised for you.
Used vehicle finance

Used vehicle finance

With used car finance options to suit your needs, choose from a Toyota Access Loan or Toyota Fixed Rate Loan and finance your next used vehicle with ease.

Protect your vehicle with additional Toyota Finance products

Frequently Asked Questions

To apply for car finance you will need to provide the following:


Proof of Identity

  • Driver’s license – at least one person on the finance application
  • Passport or Proof of Age card

One of the following:

  • Valid Medicare
  • Valid Credit/Debit card
  • Valid Veteran card

Proof of income – one of the following combinations

Employed

  • Payslip including year to date summary (unless Jul/Aug) or
  • 3 x consecutive payslips (if no YTD or Jul/Aug) or
  • Employment contract and 3 months bank statement (if recently started)

Self Employed

  • Tax Return or
  • Business Financials

Proof of residence

Homeowner/buyer

  • Rates notice

Renting

  • Tenancy Agreement

Boarding or living with parents

  • Proof of address

Understanding of monthly expenses – you will be asked about your current monthly expenses. It is best to be prepared with a list of your monthly expenses.

We have a checklist you can print to make sure you have everything you need.

PDF Checklist

All of our customers receive a Toyota Personalised Rate when applying for finance. Our sophisticated software calculates your interest rate based on your credit score and other personal criteria determined by us. This means you get a rate that is based on your individual circumstances.

Toyota Finance is committed to providing you with quality finance options tailored to your individual needs and lifestyle. And with Toyota’s Personalised Rates, you can be confident that you are getting a fair and transparent interest rate for your loan.

Toyota Finance Online is the easy way to manage your Toyota Finance account. You can access your finance account online at a time that suits you.

  • View account balances
  • View contract details
  • Calculate a payout quote
  • Generate statements
  • Update your payment or contact details

Download your MyFinance Portal app for iPhone®* or Android™️** or login online now.

* iPhone® is a trademark of Apple, Inc. registered in the U.S. and other countries.
** Android™ is a trademark of Google LLC.

To access your account you will first need to register. Go to Toyota Finance Online, select the “Not Registered?” link, then enter your details and create your password.

You will need your Customer ID number. You can find it in the welcome letter you received at the start of your loan or any other letter that we have sent you.

Target Market Determination document available here


The information provided on this website by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 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.

73 Krauss Avenue,
Lismore NSW 2480

02 5624 7400
  • Monday - Friday: 8:30 AM - 5:00 PM
  • Saturday: 8:30 AM - 1:00 PM
  • Sunday: Closed
View Map & Directions

73 Krauss Avenue,
Lismore NSW 2480

02 5624 7455
  • Monday - Friday: 7:30 AM - 5:00 PM
  • Saturday - Sunday: Closed
View Map & Directions

73 Krauss Avenue,
Lismore NSW 2480

02 5624 7444
  • Monday - Friday: 8:00 AM - 5:00 PM
  • Saturday - Sunday: Closed
View Map & Directions