Toyota Financial Services Car Loan 2026
By Aditya AmanPublished Sep 28, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.Toyota Financial Services Philippines finances brand-new Toyotas through auto loans and finance leases, and TFS-owned used cars, with applications made at Toyota dealers.
Auto Loan, Finance Lease, Balloon Payment Plus, Used Car Financing: features
- Products
- Finance Lease, Auto Loan, Balloon Payment Plus, Used Car Financing and Kabuhayan On Wheels
- Auto Loan
- For a brand-new Toyota: pay the down payment, then the remaining balance over a fixed term
- Finance Lease
- TFS Finance Lease Plan, described by TFS as lower cash-out
- Balloon Payment Plus
- A finance lease with 20% to 30% down and terms of 24, 36, 48 or 60 months
- Balloon lump sum
- Rush: 65%, 59%, 52% or 45% of the vehicle price for 24 to 60 months; other models differ
- Balloon maintenance
- Monthly payment includes periodic maintenance for the full term, with free PMS up to 60,000 km or 3 years
- Balloon mileage
- Maximum 20,000 km a year
- Balloon end of term
- Pay off the lump sum, or trade the vehicle in to the dealer
- Balloon models
- All Rush, Corolla Cross, Fortuner, Innova, Avanza, Raize and Veloz variants; Hilux GR-S, Conquest, G, E and J
- Used Car Financing
- TFS-owned vehicles only
- Used car down payment
- As low as 10%
- Used car approval
- As fast as 24 hours
- Kabuhayan On Wheels
- Financing for MSEs on the Tamaraw and Lite Ace, with monthly or weekly payments
- Weekly payments
- Monthly amortization split into 4 weekly payments from the 2nd month
Toyota Financial Services car loan requirements
Tick each document as you gather it, then print the list for your branch visit.
1 of 1 still to gather
2 of 2 still to gather
3 of 3 still to gather
5 of 5 still to gather
How to apply for a Toyota Financial Services car loan
- Prepare the listed requirements
- Apply at the nearest Toyota dealer; the online apply links go to the Find Dealers pageOpen Toyota Financial Services's form
Toyota Financial Services car loan fees and terms
What Toyota Financial Services charges beyond interest, and the rules after you sign. Your disclosure statement lists the full amount.
- Rate quote
- Rates used in the calculator are subject to change; the Toyota dealer gives the actual quotation
- Disclosure statement
- Borrowers are advised to study the Disclosure Statement before the loan transaction
- Late payment
- 5% of the monthly amortization for one month of default; beyond a month, ask TFS Collections
- Grace period
- None; the late fee is charged automatically
- Payment methods
- myTOYOTA Wallet recurring payment, post-dated checks, or auto-debit from Metrobank, BPI or BDO
- Collateral release
- Documents are processed 15 working days after the last check clears or the account closes
- Deceased borrower
- Heirs claiming collateral documents pay a ₱300 notary fee
Toyota Financial Services car loan promos
- Until October 24, 2026Kizuna with TFS
Fast-tracked approvals and document releasing at Toyota Balintawak, October 15 to 17, and Toyota Pasig, October 22 to 24, 2026.
Toyota Financial Services car loan hotline and contact
- Customer care
- (02) 7-757-8500 (Metro Manila), Monday to Friday, 8:30am to 4:30pm
- Toll-free
- 1-800-10-857-8500 (PLDT)
- feedback@toyotafinancial.ph
- Collections
- (02) 7-220-1100; collection.cs@toyotafinancial.ph
- Head office
- 32nd floor, GT Tower International Building, Ayala Avenue corner H.V. dela Costa Street, Salcedo Village, Makati City
- Provincial business centers
- Batangas (Lipa), Dagupan (Calasiao), Pampanga (San Fernando), Bacolod, Cebu (Mandaue), Cagayan de Oro, Davao
Toyota Financial Services car loan questions
What are the requirements for a Toyota Financial Services car loan?
One valid government ID; accepted IDs include PhilID, LTO driver's license, passport, UMID, MySSS card, PRC ID, Postal Identity Card and OWWA ID.
What is the Toyota car finance interest rate?
TFS doesn't state a rate on its products page; the calculator's rate is subject to change and your Toyota dealer gives the actual quotation for your unit and term.
Does Toyota offer 0% interest car finance?
Not on a standing basis. TFS Auto Loan rates come from the dealer's quotation, not a stated 0% program; some Toyota dealer promos advertise cash discounts instead, like the September 2026 Choose Your Drive promo.
How can I pay my Toyota Financial Services bill in the Philippines?
Pay through the myTOYOTA Wallet recurring payment, post-dated checks, or auto-debit from a Metrobank, BPI or BDO account.
What are the requirements for getting car finance from Toyota?
TFS doesn't state one fixed checklist; your Toyota dealer handles the application, and TFS advises studying the Disclosure Statement before signing. Requirements depend on which TFS product you use: Auto Loan, Balloon Payment Plus, or Used Car Financing.
Is there a grace period for Toyota Financial?
No. TFS charges its 5% late payment fee automatically the month a payment is missed, with no grace period. If you fall more than a month behind, contact TFS Collections directly.
How do I check my Toyota finance balance?
TFS does not state a self-service online balance checker; call customer care at (02) 7-757-8500 (Metro Manila, Monday to Friday, 8:30am to 4:30pm) or email feedback@toyotafinancial.ph.
Compare before you apply
Answer 5 questions to see the three car loans that fit you best, or check the requirements at every bank.
