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Toyota Car Finance

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Toyota Car Finance

Looking for Toyota car finance? Whether you're buying your first Toyota or upgrading to a newer model, carloans 365 can help you spread the cost with affordable monthly payments.

We work with a panel of UK lenders to help you find Toyota finance for both new and used vehicles. Whether you're interested in a compact Toyota Yaris, a practical Corolla, a family-friendly RAV4 or an efficient Toyota hybrid, we'll help you explore finance options that suit your budget.

Even if you've had bad credit, CCJs or a limited credit history, you may still have finance options available. Our simple online application lets us compare lenders on your behalf, helping you find a suitable agreement without contacting multiple providers yourself.

As an independent credit broker, carloans 365 isn't tied to Toyota Financial Services. Instead, we compare finance options from a panel of lenders, giving you more choice when financing your next Toyota.

Our application process is quick, secure and straightforward. Where possible, we carry out a soft eligibility check before a full application, allowing you to see whether you're likely to be accepted without affecting your credit score. All finance is subject to status and affordability.

Check Your Eligibility

Why Finance a Toyota?

Toyota has built a reputation for producing reliable, practical and economical vehicles that suit almost every type of driver. From compact city cars to spacious family SUVs and innovative hybrid models, there's a Toyota for almost every lifestyle and budget.

Many drivers choose Toyota because of its:

  • Excellent reliability record
  • Strong resale values
  • Award-winning hybrid technology
  • Low running costs
  • Wide range of models
  • Advanced safety features

Financing your Toyota allows you to spread the cost over manageable monthly payments rather than paying the full purchase price upfront. Depending on the finance agreement you choose, you could even drive away in a newer model than you originally expected.

How Toyota Car Finance Works

If you've never financed a car before, the process is much simpler than many people think.

Instead of paying for the entire vehicle upfront, you spread the cost over monthly payments for an agreed period. The amount you pay each month depends on several factors, including:

  • The price of the Toyota
  • Your deposit (if you choose to pay one)
  • The finance agreement you select
  • The length of your agreement
  • Your credit profile

Most Toyota buyers choose one of two finance options: Personal Contract Purchase (PCP) or Hire Purchase (HP).

Personal Contract Purchase (PCP)

PCP is one of the most popular ways to finance a Toyota because it often offers lower monthly payments.

Rather than paying off the full value of the vehicle during your agreement, you pay for the expected depreciation. At the end of the agreement, you'll have three options:

  • Return the Toyota
  • Pay an optional final payment to own it
  • Part exchange it and use any remaining value towards another vehicle

PCP can be a good option if you like changing your car every few years or want lower monthly repayments.

Read our full PCP Finance Guide

Hire Purchase (HP)

Hire Purchase is a straightforward finance option if your goal is to own your Toyota.

You'll pay fixed monthly repayments throughout the agreement, and once you've made the final payment (including any option-to-purchase fee), ownership transfers to you.

Unlike PCP, there are no mileage limits or optional final balloon payment to consider.

HP may suit drivers who plan to keep their Toyota for many years and want the certainty of owning the vehicle outright.

Read our full HP Finance Guide


How much can you afford to spend on a car?

Amount to borrow*
£7,000
£4,000£30,000
To pay over
4 Years
Assuming my credit rating is
Purple monster character mobile
Best Available Rate
13.9%
Initial Borrowing
£7,000.00
Total Cost of Credit
£997.76
Total Amount Repayable
£7997.76
48 monthly payment of
£166.62

Our rep APR is 20.9% We act as a broker, not a lender.

Representative Example:

Borrowing £7,500 over 60 months at a Representative APR of 20.9%, 60 monthly repayments of £202.21, total amount repayable: £12,132.60, total interest payable: £4,632.60.

carloans 365 is a trading name of HT Finance Ltd. Company Number 11481948 registered address: carloans 365, Floor 2, Jackson House, Sibson Street, Sale, M33 7RR. HT Finance Ltd is authorised and regulated by the Financial Conduct Authority, under reference No. 821383 All finance is subject to status, terms and conditions apply. We work with a specific panel of lenders to try to obtain you an approval. We receive a commission for introducing you to parties with whom we work with. This commission is a fixed payment or percentage but can vary by partner. This does not impact the rate you are provided, full information on request. We do not charge a fee for our services.

Can You Get Toyota Car Finance with Bad Credit?

Having bad credit doesn't automatically mean you'll be unable to finance a Toyota.

Many lenders look at more than just your credit history when assessing an application. They'll also consider factors such as your income, employment status, affordability and overall financial circumstances.

At carloans 365, we work with a panel of UK lenders, including some who may consider applicants with:

  • CCJs
  • Defaults
  • Missed payments
  • Low credit scores
  • Limited credit history

While previous credit issues may affect the finance options available or the interest rate you're offered, they don't necessarily prevent you from getting approved.

If you're unsure whether you'll be accepted, our quick online eligibility check is a great place to start.

Why Choose carloans 365 for Toyota Car Finance?

Finding the right Toyota finance shouldn't mean applying with multiple lenders or spending hours comparing offers yourself.

At carloans 365, we compare finance options from a panel of UK lenders, helping you find a solution that suits your circumstances.

Compare Multiple Lenders

One application gives you access to finance options from a panel of trusted UK lenders, saving you time and effort.

Finance New and Used Toyota Models

Whether you're buying a brand-new Toyota or a quality used model, we'll help you explore suitable finance options.

Bad Credit Considered

Some lenders on our panel may consider applications from customers with previous credit issues, subject to status and affordability.

Quick Online Application

Our secure online application takes just a few minutes to complete, and where possible, we carry out a soft eligibility check before a full application.

FCA Authorised Credit Broker

carloans 365 is authorised and regulated by the Financial Conduct Authority, giving you confidence throughout the application process.

How to Apply for Toyota Car Finance

Applying for Toyota car finance is simple.

Step 1: Choose Your Toyota

Decide which Toyota best suits your lifestyle and budget.

Step 2: Complete Our Online Application

Provide a few personal and financial details through our secure online form.

Step 3: Check Your Eligibility

We'll compare finance options from our panel of lenders to see what may be available.

Step 4: Review Your Finance Options

If approved, you'll receive finance options based on your circumstances.

Step 5: Drive Away in Your Toyota

Once you've chosen your preferred finance agreement, you can complete the paperwork and collect your vehicle.

Apply for Toyota Car Finance

Ready to Apply for Toyota Car Finance?

Whether you're buying your first Toyota or upgrading to a newer model, carloans 365 can help you compare finance options from a panel of UK lenders.

Our online application is quick, secure and designed to help you understand what finance options may be available before choosing your next vehicle.

Apply today and take the next step towards driving your new Toyota.

carloans 365 is a credit broker, not a lender. All finance is subject to status and affordability.

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Frequently Asked
Questions

Yes. You can finance both new and used Toyota vehicles. Financing a used Toyota can often make ownership more affordable by spreading the cost over fixed monthly repayments. Eligibility will depend on factors such as the vehicle's age, mileage, condition and your financial circumstances.
Yes. Toyota's hybrid range, including the Yaris, Corolla, C-HR and RAV4 Hybrid, can all be financed in the same way as petrol or diesel models. Whether you're buying new or used, you'll usually have access to the same finance options.
Most lenders can provide finance for a wide range of Toyota vehicles, including: Toyota Yaris Toyota Corolla Toyota Aygo X Toyota C-HR Toyota RAV4 Toyota Hilux Toyota Land Cruiser Toyota bZ4X Availability will depend on the vehicle and lender criteria.
Yes. While approval isn't guaranteed, some lenders may consider applications from customers with bad credit, CCJs, defaults or limited credit history. They'll usually assess your affordability and current financial circumstances alongside your credit profile.
Yes. Some lenders offer no-deposit Toyota finance, although eligibility depends on your financial circumstances and the lender's criteria. A larger deposit may reduce your monthly repayments, but it isn't always essential.
There isn't a single minimum credit score required. Every lender has its own approval criteria, with many considering factors such as affordability, income and employment alongside your credit history.
In most cases, yes. Both Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements typically have fixed monthly repayments, making it easier to budget throughout your agreement.
It depends on your circumstances. PCP usually offers lower monthly payments and gives you the option to upgrade your vehicle at the end of the agreement. HP is often better suited to drivers who want to own their Toyota outright after making all of their repayments.
Yes. If your current vehicle has value, you may be able to use it as a part exchange towards your deposit, helping to reduce the amount you need to borrow.
Many finance agreements allow early settlement. If you decide to pay off your agreement before the end of the term, your lender can provide a settlement figure outlining the remaining balance and any applicable charges.
Approval times vary depending on the lender and your individual circumstances. However, once you've completed our online application, decisions are often available within the same working day.

Not answered your question? Get in touch on 0161 410 3365!

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