Toyota Finance and Insurance | Ryde Toyota


Finance & Insurance

There’s nothing better than that new car feeling, and with the comprehensive range of car finance and insurance solutions offered by Toyota Finance and Insurance, you’ll be driving your new car out of Ryde Toyota quicker than you ever thought possible.

Ryde Toyota has partnered with Toyota Finance and Insurance to provide a range of flexible products and services to suit almost every need and circumstance.

So in addition to dealing with an experienced and accredited dealership at Ryde Toyota when you buy your next new or Pre-Owned Toyota, you can also enjoy the peace of mind knowing that you have access to finance and insurance from one of Australia's most experienced vehicle finance providers with over 30 years in operation.

At Ryde Toyota our number one priority is customer satisfaction, and Toyota Finance and Insurance shares the same philosophy. And rest assured, the same expertise that goes into every Toyota vehicle is also behind the solutions offered by Toyota Finance and Insurance.

Let us guide you through a variety of vehicle loan and insurance options to fit around your lifestyle and specific needs. So whether you’re buying a new car, upgrading your existing vehicle or adding a Toyota to your fleet, Toyota Finance and Insurance has the options to get you on the road much sooner than you thought possible.

Want that new car feeling? Let’s make it happen at Ryde Toyota.

Consumer Fixed Rate Car Loan

Drive out of the dealership sooner with a Consumer Fixed Rate Car Loan from Toyota Finance that offers flexible options tailored to suit your needs.

With a Consumer Fixed Rate Car Loan, you have the flexibility to choose your deposit amount. You’ll then have the security of a fixed interest rate for the term of your loan and the freedom to choose the length of your term, ranging from 1–7 years.

Budgeting is made easy with flexible payment options that let you incorporate extra costs, such as on-roads, insurance and Toyota Roadside Assistance, into the amount financed. You’ll also enjoy the confidence of always knowing exactly how much you have to pay each month.

Key benefits of a Consumer Fixed Rate Car Loan include:

  • A choice of car loan terms, ranging from 1–7 years
  • Financing of vehicles up to 7 years old
  • Flexible deposit amounts
  • The ability to make extra repayments, reducing the total interest payable
  • The option to include a balloon final payment, reducing monthly repayments
  • On-road costs, stamp duty, insurance, warranty and Toyota Roadside Assistance can be included in the amount financed
  • Always know exactly how much you have to pay each month

Talk to Ryde Toyota about a Consumer Fixed Rate Car Loan from Toyota Finance today.

Novated Lease

A novated lease is a finance arrangement used with salary packaging, where your employer pays for your car finance and running costs directly from your pre- and post-tax salary. It’s a tax-effective way to get into the car you want, today.

A novated lease with Toyota Fleet Management (TFM) is one of the most convenient, simple and cost-effective ways to drive the car you want.


  • A tax-effective way to finance the Toyota of your choice
  • Transparency across all rates, fees and charges
  • Discounted vehicle price due to TFM’s buying power
  • Flexible terms to suit your needs
  • Dedicated novated lease experts to support you every step of the way


  • Save on the car price and finance rate, thanks to TFM’s buying power
  • Set and forget with deductions made automatically from your salary
  • Enjoy cashless motoring with running costs included
  • Have the convenience and savings of a TFM Fuel Card
  • Keep the car, even if you change jobs

How do I set up a novated lease?

Start by choosing the Toyota you want and making sure your employer is on board (we can help with this). Then decide on a term that suits you - anywhere from 12 to 60 months is a typical arrangement.

A three-way novated lease agreement is set up between TFM, you and your employer. Your employer will take care of the payments through salary deductions, while you enjoy the benefits.

Talk to Ryde Toyota about Novated Leasing from Toyota Fleet Management today.

Business Vehicle Loan

Novated lease for employees

Bundle the costs of owning a car into one monthly payment from your salary package.

Novated lease for employers

The smart way to mobilise your staff.

Fixed Rate Loan for business

Gear up to grow your business vehicle needs with confidence.

Fleet Services and Products

We have a variety of products and services to assist you.

A Business Vehicle Loan, also known as a Chattel Mortgage, is designed to provide a flexible and convenient way to finance vehicles that are used predominantly for business purposes. It makes financing easy so you can focus on what you do best.

With a Business Vehicle Loan you’ll have the security of knowing the vehicle is an asset of your business, even while you are paying it off.

It is a convenient way for GST registered businesses to finance a vehicle that is used predominantly for business purposes. You’ll have opportunities for income tax deductions through depreciation and interest charges, plus the added security of knowing the vehicle is an asset of your business, even while you’re paying it off. With a fixed interest rate over the finance term, plus the ability to make additional payments that reduce the total interest payable, your monthly costs will be in your hands.

Key benefits of a Toyota Finance Business Vehicle Loan include:

  • The security of a fixed interest rate over the term of the loan
  • A choice of loan terms, ranging from 1-7 years
  • Finance for any choice of vehicle that best suits your business needs
  • The ability to make additional payments, reducing the total interest payable
  • The option to reduce monthly payments by making a balloon final payment, freeing up business cash flow
  • Daily interest calculations on the outstanding principal balance, so any additional payments you make will reduce the total interest payable
  • On-road costs, stamp duty, insurance, warranty and Toyota Roadside Assistance can be included in the amount financed
  • Opportunities for income tax deductions through depreciation and interest charges

Talk to Ryde Toyota about a Business Vehicle Loan from Toyota Finance today.

Toyota Insurance[F7]

Choose Toyota Car Insurance, and you’re not alone. Over 350,000+ Toyota owners have made the same choice because they know their Toyota is in safe hands.



To find out more, download the Comprehensive Motor Vehicle Insurance Product Disclosure Statement (PDS) here,  the Premium, Excess and Claims Guide here and the Target Market Determination is also available  here

This SPDS, dated 8 December 2022 applies to all new policies commencing on or after 22 January 2023 and all renewal policies commencing on or after 28 February 2023. This SPDS updates and should be read in conjunction with the Toyota Comprehensive Motor Vehicle Insurance Policy and Product Disclosure Statement with preparation date: 5 February 2021 and any other applicable SPDS we may have given you.

By clicking on the ‘Get a Quote’ button, you will be redirected to the online quoting tool for Toyota Insurance comprehensive car insurance, underwritten by Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540. We receive a $50 fee for any insurance policy purchased online where we are identified as the dealer for your vehicle. This fee does not increase the cost of your insurance

get a quote

Toyota Roadside Assistance

At Ryde Toyota we’re committed to providing you with the highest levels of service to ensure you have many years of enjoyable motoring. And you know that when you purchase Toyota Road Side Assistance, you’ll be in good hands because, after all, nobody knows your Toyota better than we do.

Toyota Roadside Assistance

Toyota 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 features:
- 24/7/365 availability
- Australia wide coverage
- Unlimited call-outs

Levels of cover:
1) Toyota Roadside Assist:

  • From $99 per year
  • Unlimited call outs
  • 24/7, 365 days a year roadside assistance
  • Nationwide assistance
  • Emergency fuel
  • Jump-starting and battery replacement
  • Flat tyre change
  • Help with lost or locked-in keys

2) Toyota Roadside Assist PLUS (in addition to above):

  • From $139 per year
  • Emergency hotel accommodation
  • Emergency rental vehicle
  • Alternative transportation
  • Emergency parts supply

To find out more, download the Toyota Roadside Assist Terms & Conditions (T&C) here

Need more information talk to Ryde Toyota today.


Toyota Insurance no longer offers the following products to new customers. If you would like to learn more about these changes, please click on the product link:

Finance Gap Insurance 

Extended Warranty Insurance

Finance Protection Insurance


Just some of Ryde Toyota's advantages:

  • Toyota Access
  • Toyota Genuine Parts
  • Toyota Certified Advantage
  • Toyota Insurance Advantage
  • Toyota Fleet Specialist