Pakenham Toyota Finance and Insurance

Would you like to discuss finance options for your new or pre-owned vehicle with an experienced financial consultant?

Finance is available to approved customers on all our new and pre-owned vehicles. Our Business Manager can provide you with a range of tailored packaged options - at very competitive rates with our provider, Toyota Financial Services. Speak with us now, or make an appointment to see our Business Manager in our Finance Department today.

Make a Finance Enquiry


When you're looking to purchase a new or used motor vehicle that will be driven predominantly for personal, domestic or household use, pakenham Toyota can help you arrange a Toyota Financial Services Personal Vehicle Loan as a fast and flexible way to get into the car you want - today!

Features and Benefits include:

  • The security of a fixed interest rate for the term of the loan
  • A choice of loan terms ranging from 1 - 7 years
  • Finance for both Toyota and non-Toyota vehicles
  • A choice of flexible payment options
  • The ability to make extra repayments, reducing the total interest payable
  • The option of a balloon payment at the end of the loan - subject to capacity guidelines.
Make a Finance Enquiry

Business Vehicle Loan (Chattel Mortgage)

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. Yours business owns the vehicle and we take a mortgage over it, so it remains an asset of your business

Business Vehicle Loans provide:

  • A choice of loan terms ranging from 1 - 7 years
  • Financing for vehicles up to 7 years old
  • Finance for both Toyota and non-Toyota vehicles
  • The security of a fixed interest rate for the term of the loan
  • A choice of flexible payment options
  • Daily interest calculations on the outstanding principal balance, so any additional payments you make reduce the total interest payable
  • The option to reduce monthly payments with a balloon payment at the end of the term, freeing up cash flow for your business
  • No GST on monthly payments
  • The ability for GST registered customers to claim part or full Input Tax Credit (ITC) for any GST on the purchase of the vehicle for use in your business.
Make a Finance Enquiry

Novated Lease

A novated lease is similar to a finance lease and is a popular salary packaging tool. It provides employees with the opportunity to include a motor vehicle of their choice as part of their salary package A novated lease is a three way agreement. The employee, as lessee and the employer enter into a novated lease agreement with Toyota Fleet Management as the lessor.

All of the lessee's obligations to pay vehicle lease rentals are transferred ("novated") to the employer. The employer then makes such payments to Toyota Fleet Management on behalf of the employee for the term of the novation - or until employment ceases, should it occur during the lease term. Employees can choose their own vehicle, and have their employer pay the vehicle lease rental from their gross salary, potentially giving them a higher disposable income.

Toyota Fleet Management can also administer post tax employee contributions to minimise fringe benefit tax liability.

Employee benefits:

  • Greater flexibility with the choice of a vehicle.
  • Financing for the vehicle is paid with pre-tax dollars.
  • Employee can make an offer to purchase the vehicle at the end of the novated lease term.
  • Fixed payments for the term of the lease.
  • A choice of lease terms from 1 - 7 years.
  • The vehicle may be leased for 100% private use.
  • More than one vehicle may be leased with employer's consent.

Employer benefits:

  • Removes liability and asset from balance sheet.
  • Reduces administration - one invoice for all novated vehicles.
  • An easy and cost-effective way to add value to an employee's remuneration package.
  • The vehicle stays with the employee, even if they move to a new job.
  • Employer does not have to worry about vehicle sale or disposal at the end of term.
  • Reduces payroll tax and Work Cover expenses (subject to State laws).
Make a Finance Enquiry

Insurance Solutions

Pakenham Toyota is here for you with a range of personal and business insurance solutions.

Imagine the inconvenience of being without your vehicle. Could you afford costly repairs, or replacing your vehicle altogether?

With Toyota Insurance we understand that your vehicle is a critical part of your life. You can choose from two levels of motor vehicle cover - Comprehensive, or Third Party, Fire and Theft

Our Comprehensive Motor Vehicle Insurance policy will replace your Toyota if it is a total loss, so long as it is less than 3 years old and it has travelled less than 100,000kms. If your vehicle is not a Toyota we will replace it with a new vehicle of the same make and model if it becomes a total loss within the first 12 months of its registration as a new vehicle.

In addition, for all Toyota vehicles covered by the policy, we provide a Genuine Toyota parts guarantee and a lifetime guarantee on all repairs, provided you remain the owner of the vehicle.

With Comprehensive cover we can also help you with:

  • Car hire for up to 14 days if your vehicle is stolen;
  • Emergency travel and accommodation expenses;
  • Protection of your 'no claim bonus' if you are not at fault;
  • No fault excess benefit with nothing payable if you are not at fault and have provided us with full details of the other party;
  • Protection of your legal liability and help with legal costs for damage to other people's property up to $20,000,000;
  • Cover for your personal items in the vehicle up to $500;
  • Cover for baby seats and capsules in the vehicle up to $500;
  • Transfer of cover if you replace your vehicle;
  • Optional windscreen cover and no-claim bonus rating one protection.
Make a Finance Enquiry

Finance Gap Insurance

Finance Gap Insurance helps protect you from suffering significant financial loss.

If your new vehicle is stolen or damaged beyond repair, there may be a 'gap' between its insured value and what you still owe the financier. You may also suffer various out-of-pocket expenses while finding a replacement vehicle.

Finance Gap Insurance helps protect you from falling into this gap and suffering a financial loss and personal inconvenience.

Finance Gap provides up to $30,000 for the 'gap' between the insured value of your vehicle and the amount owed to your financier. It also provides up to $4,000 for additional expenses and up to $750 of any new finance establishment fees with Toyota Financial Services.

With a simple one-off premium, Finance Gap covers you for the duration of your finance contract.

Please note that Finance Gap Insurance does not cover any premiums which are owed for your comprehensive motor vehicle insurance policy.

You have a choice of 4 cover options:

  • Option 1: Up to $30,000 'gap' and up to $4,000 additional expenses
  • Option 2: Up to $15,000 'gap' and up to $4,000 additional expenses
  • Option 3: Up to $10,000 'gap' and up to $2,000 additional expenses
  • Option 4: Up to $10,000 'gap' and up to $1,000 additional expenses
Make a Finance Enquiry

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, click here to download the Finance Protection Insurance brochure.

Make a Finance Enquiry

Factory Approved Extended Warranty Insurance

As a Toyota vehicle owner you can extend your original factory warranty at any time whilst your car is still within its original 36 month warranty and has travelled less than 90,000km.

Just like your factory warranty, your vehicle will remain covered in case of mechanical failure, with all repairs guaranteed using Genuine Toyota parts.

Factory Approved Warranty Insurance also includes additional benefits such as towing, car hire and accommodation with 1, 2 and 3 year coverage options, capped at your choice of 100,000kms or 150,000kms.

This product is designed to protect you if you already own a Toyota still within the Toyota new vehicle warranty. However, our other warranty option may also suit your needs.

Other warranty options:

  • Extended Warranty Insurance is also available for non-Toyota used vehicles. Ask at your participating dealership.
  • Toyota Extra Care has a range of warranty products available at the time you purchase a new or used vehicle.
Make a Finance Enquiry

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.

Toyota Finance is a division of Toyota Finance Australia Limited. Toyota Insurance is issued by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.

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.

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.