Toyota Access Loan And Finance | CMI Toyota

Toyota Access

Toyota Access

Toyota Access, with its lower monthly repayments^ and Guaranteed Future Value*, is the secured car loan for new, eligible demo, and Toyota Certified Pre-Owned Vehicles that lets you live for today while taking care of tomorrow.

The great thing about Toyota Access is that it enables you to choose your perfect CMI Toyota vehicle today, and still keep your options open for tomorrow. So as your lifestyle changes – whether you’re going off to university, starting your new career, settling down with a family or ready to explore once the kids have left home  – Toyota Access gives you the confidence about what’s ahead.


Why Toyota Access?

Available to both personal and business customers, Toyota Access puts you in the driver’s seat with certainty, flexibility and assurance – with a car loan that comes with a Guaranteed Fixed Value*, lower repayments^, a fixed interest rate and options for the future.

So if you’ve found the right vehicle from the CMI Toyota Passenger, Hybrid, 4WD, SUV or Commercial range – read on!


What is Toyota Access?

Toyota Access provides personal and business customers with a whole new way of buying a Toyota, allowing you to choose a vehicle, pick a deposit (if any), select the loan term and the total KMs you expect to travel. We will then calculate the Guaranteed Future Value (GFV) for you and once that’s all done, we will then calculate your monthly repayments – it’s that easy!


Key Benefits

Guaranteed future value*

Before you even drive away, we’ll let you know exactly how much your car will be worth to us at the end of your car loan (subject to fair wear and tear and agreed kilometers being met). This will be based on the length of your term and the number of kilometres you drive.

Lower monthly repayments

Because Toyota Access has a Guaranteed Future Value (GFV)* which is the same as the final balloon payment, you could end up with lower monthly repayments^ than you would with a standard car loan.

Total flexibility

When your loan ends, you can either sell your Toyota back to us for the Guaranteed Future Value (GFV)*, buy it outright, or trade it in for a new model – whatever you need at the time.


How it Works | Getting Started

There are five easy steps when purchasing your vehicle from CMI Toyota with Toyota Access:

  • Choose your Toyota. Whether for personal or business use, choose from our range of new, eligible demo, and Toyota Certified Pre-Owned Vehicles.
  • Choose the deposit you want to pay (if any)
  • Choose your car loan term (up to four years), payment schedule (weekly, fortnightly or monthly) and number of kilometres you expect to travel over the term
  • We will then calculate the Guaranteed Future Value (GFV) of your new Toyota 
  • We will then finalise your loan package with a fixed interest rate and repayment schedule that has been tailored to suit your needs.

From the time you drive away, you’ll enjoy lower repayments^ and the reassurance of knowing what lies ahead.

What is Guaranteed Future Value (GFV)?

A GFV is the minimum value of your Toyota at the end of the loan term, as determined by us using the loan term and kilometres chosen by you. The GFV becomes the final repayment of your loan. Depending on your circumstances when you come to the end of your loan term we will pay you the agreed GFV to put towards your final loan repayment, which if you’ve met all the fair wear and tear and kilometre conditions, should be equal to your final repayment. The GFV provides you with that extra peace of mind knowing where you stand now and in the future.


How it Works | The Future

At the end of your loan term, you are still in control. You will have the choice of three flexible options – you just need to let us know what you would like to do between 120-170 days before your loan term ends.


If the trade-in value is higher than your outstanding loan balance, you can use the trade-in value or sale price to pay the difference towards your new Toyota, or you can keep it.


If you’d like to keep your Toyota, simply pay the remaining balance owing on your loan (including final payment), or we can help refinance the amount if you don’t have the cash on hand (conditions apply).


We will pay you the GFV we agreed at the start of your term (subject to fair wear and tear and agree kilometres being met), and put it against the remaining balance owing on your account.

*The Guaranteed Future Value (GFV) is the minimum value of your Toyota 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 GFV amount, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Toyota Access is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Toyota Access Guaranteed Future Value products are available to approved customers of Toyota Finance a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536

^Lower repayments compared to similar term with no Guaranteed Future Value (GFV) or equivalent balloon final payment. Total interest charges will be higher if a GFV or balloon final payment is selected.

# Terms and conditions apply. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase any of the insurance products you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS available from participating Dealers, via our website at or by calling 137 200. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. The Insurer is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica).

The information on this website 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.

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.

Just some of CMI Toyota's advantages:

  • Toyota Access
  • Toyota Genuine Parts
  • Toyota Certified Advantage
  • Toyota Insurance Advantage
  • Toyota Fleet Specialist