Fixed Rate Business Car Loan

Business Finance Options from Mackay Toyota

At Mackay Toyota, we know that no two businesses are the same.  That is why we offer a range of car finance options to suit your individual business requirements.  So whether you're a small to medium business or a larger organisation, Mackay Toyota has a range of finance options that may be suitable to you, including :

  • Business Vehicle Loan
  • Finance Lease
  • Finance a Fleet of Vehicles
  • Toyota Access

If you have any questions at all, please speak with our team or submit a finance enquiry online.

Finance Lease from Mackay Toyota

Finance Lease from Mackay Toyota

A Finance Lease (Car Lease) enables a business to have the use of a car or commercial vehicle, while Toyota Finance  retains  ownership of the vehicle during the lease term. At the end of the lease  you have the opportunity to make an offer to purchase the vehicle or vary the lease by extending the term of the lease.

Features & Requirements

  • An attractive and affordable means of driving a new car every few years

  • Security of fixed payments for the term of the lease

  • No fixed kilometre limits

If you would like to know more, please speak with our team or enquire online now.

Finance a Fleet of Vehicles with Mackay Toyota

Finance a Fleet of Vehicles with Mackay Toyota

Toyota Fleet Management are the experts when it comes to running your company fleet more efficiently. We can work closely with you as your partner to help streamline costs, make the most of your resources and reduce your risk.

Features & Requirements

  • Whatever your industry or fleet size our fleet management products and services are designed to meet your needs.

If you would like to know more, please speak with our team or enquire online now.

Gear up to grow your business with confidence

It’s time to put your business in the fast lane with a smart, fixed-rate business loan from Toyota.

Toyota Personalised Rate

Toyota Personalised Rate

Long gone are the days of one-size-fits-all business fixed rate car loans. Using smart and sophisticated software, we will calculate an interest rate that’s personalised for you.

Choose any Toyota

Choose any Toyota

Select the Toyota that’s right for you from our range of new and used models.

Your business asset

Your business asset

You’ll have the certainty of knowing that your Toyota is an asset of your business, even while you’re paying it off.

Potential tax benefits

Potential tax benefits

If you are a GST-registered business, you could enjoy GST recovery and income tax deductions through depreciation.

How it works

Select your preferred Toyota

Select your preferred Toyota

New or used, purchase the car that’s right for your business.

Decide on your loan payment details

Decide on your loan payment details

Stay in complete control of what and when you pay back.

Put down a deposit (or don’t)

Put down a deposit (or don’t)

A deposit can be paid upfront to reduce your loan amount.

Talk to your nearest dealer

Talk to Mackay Toyota

And start the application process!

What do I need to apply?

Before applying for a business vehicle loan, there are several documents you need as well as some identification. We have a checklist you can print to make sure you have the documents you need before you apply.

Fees that will apply


Establishment Fee - $395
The cost to set-up your approved loan with Toyota Finance. It is payable upon loan settlement, and can be included within the amount financed.
This is referred to in your contract as your Loan Account Establishment Fee.


Vehicle Security Registration Fee - $6
The cost of registering Toyota Finance’s security interest in your vehicle on the Australian Government’s Personal Property Securities Register.


Account Administration Fee - $8/month
A monthly fee for the management of your loan account.

Dealership fees


On-charged Dealer Agency Fee - $890 +GST
This fee covers the dealership’s cost of preparing your finance application on Toyota Finance’s behalf.
The Toyota Finance & Insurance Manager within the dealership is responsible for explaining the different types of finance products to you, and arranging all the necessary paperwork to submit, manage and finalise your finance application.

Toyota Personalised Rate

Long gone are the days of one-size-fits-all fixed rate personal car loans. Using smart and sophisticated software, we will calculate an interest rate that's personalised for you.

Toyota Personalised Rate

Frequently Asked Questions

Who is eligible for a commercial loan?
If you are an individual, partnership or company who uses your vehicle predominately (more than 50%) for business purposes, you are eligible for a commercial loan.


What vehicles are eligible?
All Toyota vehicles are eligible to be financed under a commercial loan. You may also be able to finance various accessories and options with your Toyota to meet your business needs.

  • Disclaimer

    The information provided on this website by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and 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.