Vehicle Finance



FutureDrive

Automark Certified ProductsHave you ever thought that you could drive a new Toyota every 3 years and still pay affordable monthly instalments? That's possible with FutureDrive, Toyota's innovative new finance solution!

BENEFITS OF FutureDrive

  1. Lower Instalments
    FutureDrive makes vehicle finance affordable for you.
  2. Shorter Finance Period
    FutureDrive agreements usually last only 36 months.
  3. Flexible Finance Options
    Choose your deposit, instalment period and end of finance option.
  4. Lower Maintenance Costs
    A newer car costs less to run, plus it’s always under warranty.
  5. Peace of Mind
    The future of your car is guaranteed, no risk to you.

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GUARANTEED FUTURE VALUE (GFV)

The GFV is the minimum guaranteed value that your Toyota will be worth with Toyota Financial Services at the end of your contract.

Lower Monthly Instalments

The GFV is deferred to the final instalment so your monthly instalments are generally less than for traditional finance.

Optional Deposit

You can add a deposit to reduce the instalments further but we also offer ‘no deposit’ options so a large upfront is not necessary.

 

YOU HAVE THREE END OF FINANCE OPTIONS

REPLACE IT WITH A NEW TOYOTA

You keep the difference if the trade in value is higher than the GFV.

KEEP THE CAR

You keep the difference if the trade in value is higher than the GFV.

RETURN THE CAR

You don't owe anything but the car needs to be in a good condition to be worth its GFV, the mileage must be less than the specified kilometers and only a certain amount of wear and tear is permitted.

 

Instalment Finance

Instalment finance allows you to buy your Toyota of choice by paying instalments over an agreed period. Ownership will pass to you as soon as you’ve paid all amounts due under the agreement.

OVERVIEW OF INSTALMENT FINANCE

Financing periods can be structured between 12 to 60 months, with or without a final balloon payment. Market-related interest rates apply, which may be linked to the prime lending rate or alternatively fixed, over the agreed finance period. There is no minimum deposit payable unless there is a change to the current legislation or to your credit profile.
This type of agreement will suit you as an individual, a self-employed individual or if you're a business-owner that would like to own the asset at the end of the agreement.

 

INSTALMENTS

Instalment sale agreements are typically offered between 6 & 60 months. Instalment payments can be structured equally over the entire agreement period so that there is no balloon payment at the end.

Alternately a final balloon payment can be arranged. A final balloon payment is a larger than normal final payment resulting in a lower monthly repayment.

Under an instalment sale agreement you become the vehicle owner at the end of the agreement.

You may want to consider adding the Take-A-Break option to your finance package.

 

BENEFITS

OWNERSHIP

You own the goods when you've paid the full amount. This is provided that you’ve paid all due amounts under the agreement.

CLAIM DEPRECIATION

If the vehicle is an asset used for business, you can claim depreciation as well as yearly interest paid against tax.

RESALE VALUE

You'll enjoy the benefit of any resale value.

 

Lease Finance

Lease finance gives you the right to use your Toyota of choice for an agreed period, during which time you pay monthly rentals. At the end of the term, ownership passes either absolutely or upon satisfaction of specific conditions.

OVERVIEW OF LEASE FINANCE

Financing periods can be structured between 12 to 60 months, with or without a final balloon payment. Market-related interest rates apply which may be linked to the prime lending rate or alternatively fixed, over the agreed finance period. There is no minimum deposit payable unless there is a change to the current legislation or to your credit profile.
This type of agreement will suit you if you are using the asset to generate income; or receive a car allowance; or you want to claim the expense against tax; or you own a business.

 

LEASING

Toyota Lease agreements are typically offered between 6 & 60 months. At the end of the term ownership does not pass to you automatically, however, you have the option of either returning your Toyota to Toyota Financial Services, acquiring ownership or extending the lease.

Toyota Lease agreements can be structured equally over the entire agreement period with or without a final balloon payment at the end. A final balloon payment is a larger than normal final rental resulting in a lower monthly rental.

With Lease Finance there is also the option of refinancing the final balloon payment. Provided that at the time of your application for finance, there is no adverse change to your credit profile.

You may want to consider adding the Take-A-Break option to your finance package.

 

OWNERSHIP

Market-related interest rates apply which may be linked to the prime-lending rate or alternatively fixed, over the agreed finance period. There is no minimum deposit payable unless there is a change to the current legislation or to your credit profile.

Ownership is subject to the conditions set out in the credit agreement, which include payment of all monthly rentals due and payment of a nominal ownership amount.

 

BENEFITS

TAILORED TO YOUR NEEDS

Stepped payments, inflated rentals and other structures can be tailored to your needs.

TAX BENEFITS

Lease rental is 100% tax deductible, making your money go the distance.

YOUR FINANCIAL SOLUTION

Contact Toyota Financial Services to find out why this option could work for you.

 

Apply for vehicle finance using our online application. Our expert F&I team will be able to assist you with sourcing the most competitive rates through the major finance houses in SA.

Our F&I team can also help you find car insurance and additional products such as extended warranties and maintenance plans. Talk to us to find out how we can build a package that suits your needs.

Not ready to apply for finance but have a question? Use our 'ask an expert' form to send our F&I team a quick query and they will be sure to get back to you ASAP.

Ask an expert
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Terms and Conditions

The finance calculator is a form of loan simulator and is NOT AN OFFER by Killarney Toyota Stanger, its management, employees, representatives, agents or affiliates of any kind. It is provided to you for information and convenience purposes only and does not constitute financial advice in any form or manner. It is a guide only, which is based on certain assumptions and approximations, and we do not guarantee the accuracy of any information thereof. Killarney Toyota Stanger, its management, employees, representatives, agents or affiliates DO NOT ACCEPT RESPONSIBILITY for any errors or omissions whatsoever in relation to the finance calculator, and DO NOT ACCEPT LIABILITY for any loss, damage, inconvenience experienced or otherwise, caused in respect of any reliance on the finance calculator or information on this website. The finance calculator will not pre-qualify you for any loan programs whatsoever.

Actual instalments on loans obtained with financial institutions will vary depending on: the current prime interest rate; the financial institution's variables; the type, condition and age of the vehicle; your credit rating with the financial institution concerned; the respective initiation fees; and the time period between the effective date of the loan and the first instalment payable. Please note that you should seek appropriate financial advice before concluding any loan agreements.