My Toyota

Toyota Finance

Finance options

Once you have chosen what car you may want, in most cases the journey has just begun. Most of us will want or need to find the best method to fund some or all of the cost.

Even if you have savings you may wish to leave them where they are or are unable to get immediate access to them. Below we have detailed the most popular ways to fund a purchase through us.


AccessToyota is a personal contract purchase plan designed to get you the car you want, at a price you can afford. This finance package is available across the range and we can tailor it to suit your budget. All you need to do is decide the term you'd like the plan to be over (between 24 and 36 months) and let us know how many miles you think you'll be doing every year.

How does it work?

How does it work?

There are three parts to an AccessToyota plan:

  • Deposit: This can be an amount to suit you - up to as much as 35% of the price of the vehicle you wish to buy
  • Guaranteed future value (GFV): This is an amount that we set as the minimum guaranteed future value of the vehicle you're buying, guaranteeing how much it will be worth with Toyota Financial Services at the end of the plan
  • Difference: Your monthly payments are calculated from the difference between the cash price of the vehicle and your deposit and GFV, plus any interest charges.

Because a proportion of the borrowed amount is deferred till the end of the agreement (in the form of the GFV) your monthly payments are likely to be lower than with traditional hire purchase or a personal loan.

Hire Purchase

The key benefits of hire purchase are:

  • Flexibility, choose your deposit and your term (up to 5 years)
  • You own your car at the end of the agreement
  • No large payment at the end of the agreement
  • Payments are fixed so there are no hidden financial surprises

How does it work?

Buying a car with Toyota hire purchase is very simple. All you have to do is decide how much deposit you'd like to put down and choose how long you want the agreement to be (up to 5 years). We'll then work out your monthly payments.

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