Car Dealer of New & Toyota Certified Pre-Owned Vehicles
If you're looking for a new or pre-owned car, there's really no better way to make it happen than with a little help from Toyota Finance. We offer a variety of options for car loans that fit around your lifestyle and specific needs. No one knows car finance like Toyota Finance, so let's make it happen.
With so many new and pre-owned cars out there, it's not easy to find the right one for your needs. Fortunately, car finance is a lot easier with Toyota Finance.
Our Consumer Fixed Rate Car Loan gives you the security of a fixed interest rate for the term of your car loan plus the freedom to choose the term length, ranging from 1-7 years, helping you get into the car you want, today.
With Toyota Access, you'll be surprised at how soon you could be reliving that new car feeling. Toyota Access is a smart program that gives you an exceptional level of choice, confidence and flexibility when it comes to car finance, both now and in the future.
Novated Leasing is a finance arrangement used with salary packaging, where your employer pays for your car finance and running costs directly from your salary.
Approved applicants only. Terms, conditions, fees and charges apply. A minimum loan term of 12 months applies. The maximum loan term will vary depending on the finance product selected and will be subject to Toyota Finance policy and procedure. You may be required to pay a deposit for capacity reasons. Additional interest charges will accrue if you select a balloon final payment option and early termination fees may apply if you elect to make additional repayments during the loan term.
This information provided by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, 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.
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.
There's no better way to get a car that suits your business needs than with a little help from Toyota Finance. From small or medium enterprises to large corporations, no two businesses are the same. And that's why we offer a range of flexible car finance options, such as a Business Vehicle Loan (also known as a Chattel Mortgage) and a Toyota Access Business Vehicle Loan.
We make car finance easy so you can focus on growing your core business. If you're looking for a car loan for a new or pre-owned business car, let's make it happen.
A Business Vehicle Loan, also known as a Chattel Mortgage, is a finance option designed to provide flexibility for people in business.
Our Business Car Loan is a convenient way for GST registered businesses to finance a vehicle that is used predominantly for business purposes. You'll have the security of knowing the vehicle is an asset of your business, even while you are paying it off
If you're a sole trader, partnership or company looking for business car finance, the Toyota Access Business Car Loan could suit your needs. It offers the security of a Guaranteed Future Value* and a fixed interest rate for the term of the loan, so you can focus on the needs of your business. You decide what happens at the end of your term, with the option to trade, keep or return the car.
Toyota Fleet Management (TFM) offers a comprehensive range of services to take care of managing your fleet, giving you more time to focus on your core business activities.
To view our full range of products and services, visit the TFM website.
Novated Leasing is a finance arrangement used with salary packaging, where the employer pays an employee's car finance and running costs directly from the employee's salary. It's an attractive option for both employers and employees.
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, the choice is clear.
Toyota Insurance is designed for your Toyota by the people who know it best. So, if something unexpected happens to your Toyota, you’ll know your car is in safe hands with Toyota Comprehensive Car Insurance.
At Toyota Insurance we get you back on the road in no time, plus give the reassurance that repairs are done using Toyota Genuine Parts.
To find out more, download the Motor Vehicle Insurance Product Disclosure Statement (PDS) here.
To find out more, download the Supplementary Product Disclosure Statement (SPDS) here.
To find out more, download the Premium, Excess and Claims Guide (PECG) here.
Our Finance Protection Insurance policy helps you meet your finance contract repayments for up to six months, subject to the maximum cover amount you've chosen and depending on your circumstances.
Depending upon your circumstances, Finance Protection Insurance can help you to1:
If your claim is accepted, you can choose to terminate your finance contract and hand back your vehicle. We will pay any outstanding payment amount less the vehicle sale price and arrears, subject to the remaining maximum cover amount you choose.
Additional options also let you hand back the vehicle if:
To find out more, download the Finance Protection Insurance Product Disclosure Statement (PDS) here.
If you've financed your vehicle and it's written off as a result of an accident or theft, Finance Gap Insurance can help. It can cover your outstanding loan balance, depending on the level of cover you choose.
Finance Gap Insurance provides up to $30,000 for the gap between the amount your comprehensive insurer pays you and the amount you owe your financier. It also provides up to $4,000 for extra costs and up to $750 for establishment fees when your replacement vehicle is financed with Toyota Finance. A one-off premium covers you for the duration of your finance contract.
To find out more, download the Finance Gap Insurance Product Disclosure Statement (PDS) here
Cover your vehicle for the repair or replacement of any component that's defective in materials or workmanship, long after your new vehicle warranty has expired.
Designed to provide your Toyota vehicle with protection that continues after your Dealer statutory warranty and Toyota new vehicle warranty end. The policy benefits include towing, car hire, accommodation expenses and Toyota Motor Vehicle Insurance excess reimbursement.
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". 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.
What plan terms are available?
You can choose a 1, 2 or 3 year plan term, capped at either 100,000km or 150,000km, depending on your driving habits.
Factory Approved Extended Warranty Insurance includes the following Features and Benefits:
What if I sell my Toyota?
The Factory Approved Extended Warranty Insurance policy may be transferable to a new owner if you do not sell your vehicle to or through a motor dealer or trader. A transfer fee applies.
To find out more, download the Toyota Factory Extended Warranty Insurance Product Disclosure Statement (PDS) here.
We'll even cover your car if it's not a Toyota
Even if you don't have a Toyota you can continue protecting your vehicle after your Dealer statutory warranty and manufacturer's new vehicle warranty end.
Toyota Extended Warranty Insurance can be purchased for most new and pre-owned non-Toyota vehicles, provided the vehicle is still within its manufacturer's new vehicle warranty period. You can also purchase Extended Warranty Insurance when purchasing a pre-owned non-Toyota vehicle from a Toyota Dealer, provided the vehicle is less than 8 years old and travelled less than 120,000km.
For an extended warranty that offers extra protection.
To find out more, download the Extended Warranty Insurance Product Disclosure Statement (PDS) here.
Supplementary Product Disclosure Statements (SPDS).
The Toyota Insurance Finance Protection Insurance (FPI) SPDS, dated 25 January 2021, updates and should be read in conjunction with the Toyota Insurance Finance Protection Insurance Policy and Product Disclosure Statement and any other applicable SPDS we may have given you, for new policies commencing on or after 25 March 2021. T To find out more, download the Supplementary Product Disclosure Statement (SPDS) here.
The Toyota Insurance Finance Gap Insurance (GAP) SPDS, dated 28 January 2021, updates and should be read in conjunction with the Toyota Insurance Finance Protection Insurance Policy and Product Disclosure Statement and any other applicable SPDS we may have given you, for new policies commencing on or after 25 March 2021. To find out more, download the GAP SPDS here.
The Toyota Insurance Extended Warranty Insurance (EWI) and Factory Approved Extended Warranty Insurance (FAEWI) SPDS, dated 19 February 2021, updates and should be read in conjunction with the Toyota Insurance EWI Policy and Product Disclosure Statement and the Toyota Insurance FAEWI Policy and Product Disclosure Statement and any other applicable SPDS we may have given you, for new policies issued on or after 25 March 2021. To find out more, download the EWI/FAEWI SPDS here.
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 toyotainsurance.com.au 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.
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.
Toyota Access - How it works from Toyota Finance Australia on Vimeo.
No matter where you're going, Toyota's with you. Toyota Access is an innovative way to put yourself in control of your car loan when you're buying a new or approved demonstrator Toyota. You choose the car you want today, and have the freedom to change in the future. So as your lifestyle changes or as your business grows, Toyota Access provides the flexibility, certainty and assurance you need to feel confident about the road ahead.
Available to both personal and business customers, Toyota Access puts you in control - with a car loan that comes with a Guaranteed Future Value*, lower repayments^, a fixed interest rate and options for the future.
Choose your Toyota, deposit (if any), car loan term (up to four years), kilometres you expect to travel, and if you'd like to make repayments weekly, fortnightly or monthly.
When your car loan term ends, you have the choice of three flexible options: trade, keep or return your vehicle.
Want to learn more about our Toyota Access car loans? Take a look at our frequently asked questions.
*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.
Should your car be immobilised by a roadside breakdown, Toyota Extra Care Roadside Assist or Roadside Assist PLUS will be there to get you back up and running. So, if you're ever stuck and want to get back on the road as soon as possible, we'll make it happen.
How does Roadside Assist work?
Our aim is to get you back on the road as quickly as possible. It's as easy as calling 137 200 anytime, from anywhere in Australia.
How does it assist me?
Firstly, we'll do our best to solve your problem over the phone and get your vehicle back on the road. If your vehicle remains immobile, we'll send out a technician to provide assistance.
How long does cover last?
You can buy roadside assistance cover for up to six years, with your choice of a start date - either now or at a more convenient date, up to two years in the future. That way, it won't overlap with any existing cover you may have.
How can I get Roadside Assist?
When you purchase your new or pre-owned Toyota, ask your Dealer about Toyota Extra Care Roadside Assist.
Toyota Extra Care Roadside Assist provides you with reliable and secure roadside assistance for your vehicle 24 hours a day, 365 days a year, all around Australia, with unlimited call outs. Whether you need towing, emergency fuel, jump starting, tyre changing or even help with lost or locked-in keys, help is just a phone call away. And you know you'll be in good hands, because nobody knows your Toyota better than we do.
Key benefits of Toyota Roadside Assist
Terms and conditions apply. Contact us for more information.
Roadside Assist PLUS offers roadside assistance that's 24/7, 365 days a year and nation-wide, with unlimited call outs. You'll receive all the assistance options that come with a normal membership, including towing, emergency fuel, jump starting, tyre changing and help with lost or locked-in keys. Plus you'll have access to emergency hotel accommodation, alternative transportation and emergency parts supply.
To find out more, download the Toyota Extra Care Roadside Assist Terms and Conditions here.
Toyota Extra Care is administered by Toyota Finance, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536. Toyota Extra Care Roadside Assist is provided by 365 Assistance Pty Ltd ABN 59160 076 200 trading as 365 Roadside Assistance, under arrangement with Toyota Finance Australia Limited. TEC002 07/2018.
* This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided and does not take into account your personal needs and financial circumstances. If you apply for a loan your interest rate will be based on your individual credit assessment. Fees and charges are payable and the calculations do not take these into account. Terms and conditions apply. We will not store the information provided in this calculator.
Meet Karla!
Karla is our New and Pre-Owned Vehicle Business Manager. Karla joined Cessnock Toyota in 2015 and has worked in the Automotive industry for 8 years.
Karla is our Toyota Access expert and can show you how affordable it is to update to a New Toyota every 4 years.
Want a great deal and a new Toyota every 4 years – call Karla today!
Phone: (02) 4990 2722
Email: karlaw@cessnockautomotive.com.au
Meet Ryan!
Ryan is our Pre-Owned Vehicle Business Manager. Ryan has worked in the automotive industry for over 7 years and has been with Cessnock Toyota for the past 2 years.
A local through and through, Ryan's knowledge and expertise could put you into the car of your dreams today.
Why not put Ryan to the test on a Toyota Certified Pre-Owned Car today – it could be a lot less than you think.
Phone: (02) 4990 4000
Email: ryanm@cessnockautomotive.com.au
