Finance & Insurance

Horsham Toyota – Finance & Insurance
81 Stawell Rd
Horsham VIC 3400
Sales: (03) 5381-6111

Finance & Insurance Opening Hours
Monday – Friday 8:30am-5:30pm
Saturday 9:00am-12:00pm

Finance & Insurance

We are here to help you protect your investment by offering a comprehensive range of products to suit your needs, whether that be for a new or used vehicle, private or business or for a fleet purchase.

Personal Finance

If you are 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 flexible way to get into the car you want today.

Business Finance

A Business Vehicle Loan is a flexible commercial loan designed for sole traders, partnerships and companies that are looking to finance a vehicle used primarily for business purposes. Your business owns the vehicle and we take a mortgage over it, so it remains an asset of your business.

Toyota Personalised Rate

Long gone are the days of one-size-fits-all car loans. With Toyota Finance, you can now use your Credit Score and other relevant criteria to secure an interest rate that’s tailored to you unique circumstances.

Watch the video to Learn More.

Toyota Insurance has you covered

With so many providers offering complicated policies, insurance can be a foggy issue. But now the choice is clear. Toyota Insurance is designed for your Toyota by the people who know it best. It just makes sense. And you know you can count on the quality and value you’ve come to expect as a Toyota owner. From car insurance, to finance protection insurance, to finance gap insurance to extended warranty insurance, the choice is clear.

Motor Vehicle Insurance

If anything happens to your Toyota you’ll want to know you’re in safe hands. You can trust the experts at Toyota Insurance to get you back on the road in no time. Plus, we give you the reassurance that repairs will be done using Toyota Genuine Parts made specifically to fit your Toyota.

Key benefits include:

  • Replacement with a new Toyota after a total loss.
  • Quality repairs with Toyota Genuine Parts.
  • Lifetime Repair Guarantee.

To find out more download the Motor Vehicle Insurance Product Disclosure Statement (PDS) and the Financial Services Guide (FSG).

Finance Protection Insurance

If you’re off work for a length of time due to illness or accidental injury, or following involuntary redundancy, our Finance Protection Insurance policy is designed to help. It assists you in meeting your finance contract repayments up to the maximum cover amount you’ve chosen1.

Depending upon your circumstances, Finance Protection Insurance can help you to1:

  • Make your vehicle repayments
  • Reduce your financial burden
  • Keep your vehicle; or
  • Return your vehicle to exit your loan

To find out more download the Finance Protection Insurance Product Disclosure Statement (PDS) and the Financial Services Guide (FSG).

Finance Gap Insurance

If your car is written off as the result of an accident or theft, there may be a gap between the amount your comprehensive insurer pays you and the outstanding balance on your vehicle finance contract. You could also be up for extra costs when you buy a replacement vehicle. That’s where Finance Gap Insurance comes in.

Key benefits include:

  • Receive up to $30,000 for gap payments.
  • Provides financial support that can assist you to purchase a replacement vehicle.

To find out more download the Finance Gap Insurance Product Disclosure Statement (PDS) and the Financial Services Guide (FSG).

Factory Approved Extended Warranty Insurance

Factory Approved Extended Warranty Insurance covers the repair or replacement of any Toyota component defective in materials or workmanship under normal operation and use. Plus, all repairs will be performed using only Toyota Genuine Parts. Any parts and accessories purchased will also be covered for the remaining period of cover.

Is my Toyota Eligible?

Factory Approved Extended Warranty insurance is exclusively available for Toyota pre-owned vehicles that do not have “Toyota Warranty Advantage” and can be purchased whilst the vehicle is still within the Toyota new vehicle warranty period. You can also purchase Factory Approved Extended Warranty insurance when purchasing a Toyota pre-owned vehicle from a Toyota Dealer, provided the vehicle is less than 8 years old, travelled less than 120,000km and is not covered by “Toyota Warranty Advantage”.

To find out more download the Factory Approved Extended Warranty Insurance Product Disclosure Statement (PDS) and the Financial Services Guide (FSG).

Toyota Access

Toyota Access is an easy and flexible way to put you in complete control when you’re buying a new car. The great thing about Toyota Access is it enables you to choose the car you really want today and still keep your options open tomorrow.

Whatever stage you’re at in life – going off to university, starting out on a career, settling down with a family or getting your life back as the kids leave home – you can have confidence about what’s ahead. Toyota Access puts you in the driver’s seat with flexibility and assurance.

You control the details

Toyota Access takes the worry out of buying a car and provides great reassurance because Toyota guarantees the future value of the car.

The Guaranteed Future Value [T14] is the minimum value
of your New Toyota at the end of the loan term and is the amount Toyota Finance will pay you and be put against your final payment should you decide to return your car at the end of the term.

And, because Toyota Access comes with low monthly repayments and a short loan period, you can upgrade to any New Toyota without worry or hassle [T16].

At the time of purchase

  1. Select your new Toyota.
  2. Nominate the deposit you’d like to pay if any.
  3. Choose your term and number of kilometres you expect to travel over the term.
  4. Toyota Finance will calculate the Guaranteed Future Value [T14] of your new Toyota.
  5. Toyota Finance will then calculate your monthly repayments, with a final payment equal to your Guaranteed Future Value [T14].

Tailor your own affordable package

Once you’ve chosen the vehicle you want, simply tell us if you’d like to pay a deposit (if so how much) and how long
you’d like the agreement to last for. Then you tell us the amount of kilometres you expect to do and based on this, we will work out the Guaranteed Future Value [T14] of the car. So you know exactly where you stand and can confidently plan your budget, way ahead.

We’ll then put together an affordable monthly payment schedule. Obviously, the more deposit you pay the less the repayments will be. The shorter your loan term is, the sooner you can trade up, or down, to a new Toyota model.

You decide what to do next

At the end of the agreement, you are still in control. You can decide whether to: Trade in or sell your Toyota – use the trade-in value or sale price to pay the remaining balance of your account. Keep your Toyota – simply pay the outstanding balance (including the final payment). We can help you refinance the balance if you don’t have the cash on hand (conditions apply). Return your Toyota – we’ll pay you the Guaranteed Future Value [T14] we agreed at the start of your term and put it against the remaining balance owing on your account (subject to Fair Wear and Tear conditions and agreed kilometres being met).

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1Terms 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 for the relevant product available from participating Dealers, via our website at or by calling 137 200. Toyota Insurance purchased in a dealership or via the Toyota Insurance National Customer Solutions Centre is issued by Toyota Finance Australia Limited (TFAL) 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). If Toyota Insurance is purchased online, the issuer and insurer is Adica. Our warranty insurance policies do not change or take away your rights under the Australian Consumer Law. Your right to claim under our warranty insurance policies for the benefits covered is in addition to other rights and remedies you have under the law in relation to your vehicle. However, you can choose to make a claim under any of our warranty insurance policies even if you have rights under the law.
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.

[T14] Guaranteed Future Value is the minimum value of your new 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 the term of your finance contract, Toyota Finance will pay you the Guaranteed Future Value (subject to Fair Wear and Tear and agreed kilometres requirements being complied with). This amount will be applied to your finance contract to satisfy your final balloon payment obligation. 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 and conditions, fees and charges apply. Toyota Access Guaranteed Future Value (GFV) products are available to approved customers of Toyota Finance a division of Toyota Finance Australia Limited ABN 48 002 435 181, Australian Credit Licence 392536. Toyota Access available at selected Toyota Dealers only. [T16] Lower monthly 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. Toyota Finance is a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.