Personalfinance
Personal finance solutions
There’s a Lexus for every kind of journey. There’s also a Lexus Financial Services product for every life journey. We’ve designed our loans and leases to be flexible so that you can shape them to your unique needs.
Consumer fixed rate loan
Tailored to your circumstances, a Consumer Fixed Rate Loan provides you with the security of a fixed interest rate for the term of your vehicle loan.
Providing you with great flexibility to choose your vehicle, your loan term, your payment option and deposit amount (if any), the Consumer Fixed Rate Loan can get you into the Lexus you want.7
Lexus Financial Services also offers a fixed rate loan for businesses.
HOW DOES IT WORK?
Get in touch with your preferred Lexus Dealer
Decide on your loan payment details
Pay a deposit (or don’t), that’s your choice
Driveaway in your new or used Lexus or non-Lexus vehicleBENEFITS
- A personalised interest rate that is fixed for the life of the loan
- Select the new or used Lexus that’s right for you
- Customise your deposit amount, your repayment term (1-7 years) and your repayment frequency
- Incorporate on road costs into your fixed rate loan
Target Market Determination document available here.
Full-Service Lease
We’ve reinvented the new car experience with a Full-Service Lease package that delivers the best of Lexus, all in one.
Our all-in-one package includes insurance8, maintenance and registration. All of this organised for you and bundled into one simple monthly payment (excluding optional extras).
Lexus Ownership Solutions
Determined by Lexus Financial Services, the Guaranteed Future Value2 is the minimum value of your new Lexus at the end of your vehicle loan contract, subject to fair wear and tear and agreed kilometres being met.
At the end of your loan term, you have the option to replace, retain or return your vehicle.
novated lease
A Novated Lease uses salary packaging. Your employer pays for your vehicle lease and running costs out of your salary package, through a combination of pre-tax and post-tax salary deductions.7
Lexus Financial Services also offers a novated lease for businesses.
HOW DOES IT WORK?
Choose the right Lexus for you
Set up your lease through your employer and decide on a term that works for you (1-5 years)Enjoy your vehicle. Your employer will take care of the repayments through salary deductionsAt the end of your lease, you may buy the vehicle outright, extend the lease or get a new vehicle with a new novated leaseBENEFITS
- Choose and drive the Lexus that suits your lifestyle
- The option to include all vehicle running costs including servicing and fuel
- Fixed payments for the term of the lease
- Flexibility with a range of lease terms from 1-5 years
- Competitive servicing, maintenance and tyres
- Further savings with a fuel card
Interested in next steps?
You may like to contact us, as our experts will be able to answer any questions and talk through your options.
This document summarises the main types of fees across personal Lexus vehicle loans.
Alternatively, you may like to read the frequently asked questions to learn more.
FINANCE CALCULATOR
For an indicative repayment amount please enter your postcode or suburb
VEHICLE DETAILS 1
Select model below to continue
![This is vehicle detail img]()
The price is based on exterior and interior.
For more detailed customisation use Build & Price.
Lexus Ownership SolutionsFixed Rate Loan
With a Lexus Ownership Solutions loan we’ll let you know the Guaranteed Future Value2 of your vehicle and you have the ability to replace, retain or return the vehicle at the end of your loan contract.
Deposit
A lump sum amount you can pay upfront to help reduce your regular payment.
Interest
Select a rate that suits you. Your final Lexus Personalised Rate will be calculated at your chosen dealer.
Deposit
A lump sum amount you can pay upfront to help reduce your regular payment.
Interest
Select a rate that suits you. Your final Lexus Personalised Rate will be calculated at your chosen dealer.
3
DRIVE AWAY
4
ESTIMATED REPAYMENT WITH LEXUS OWNERSHIP SOLUTIONS
GUARANTEED FUTURE VALUE2
Disclaimers
The information provided by the finance calculator is indicative only and is not a formal or binding quote. It is of a general nature which is based on the accuracy of information you have provided and does not take into account your personal needs and financial circumstances. 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. Conditions, fees and charges apply. Finance is available to approved applicants of Lexus Financial Services, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
1.Vehicle image is indicative only. Calculator Pricing reflects your actual vehicle specifications and enhancement pack selection.
2.The Guaranteed Future Value (GFV) is the minimum value of your new or approved demonstrator Lexus at the end of your finance contract, as determined by Lexus Financial Services (LFS). If you decide to return your car to Lexus at the end of your term, LFS will pay you the agreed GFV, which will be put against your final payment subject to fair wear and tear conditions and agreed kilometres being met. The information provided is general in nature. You should seek your own financial advice to determine whether Lexus Ownership Solutions is appropriate for your individual circumstances. Terms, conditions, fees and charges apply. Lexus Ownership Solutions GFV products are available to approved customers of Lexus Financial Services, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536.
3.Recommended driveaway price (RDP) shown is based on a vehicle with selected optional features or metallic/premium paint, garaged at the postcode entered, and includes 12 months registration, 12 months compulsory third party insurance (CTP), maximum dealer delivery charge and stamp duty. Please note actual driveaway price may differ based on your delivery location, applicable statutory charges/taxes, and CTP requirements etc. in your state/territory. Lexus Australia reserves the right to vary or discontinue the current interior and exterior colours, trims and colour/trim/model combinations. Colours and trims displayed are a guide only and may vary from actual colours due to display process. Speak to your Lexus dealer to confirm when ordering your vehicle.
4.The information provided by the finance calculator is indicative only and is not a formal or binding quote. It is of a general nature which is based on the accuracy of information you have provided and does not take into account your personal needs and financial circumstances. 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. Conditions, fees and charges apply. Finance is available to approved applicants of Lexus Financial Services, a division of Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536
5.Additional interest charges accrue whenever a balloon final payment option is selected.
Disclaimers
7.Approved applicants only. Terms, conditions, fees and charges apply. A minimum loan term of 12 months applies. The maximum loan term will vary depending on the finance product selected and will be subject to Lexus Financial Services policy and procedure. You may be required to pay a deposit for capacity reasons. Additional interest charges will accrue if you select a balloon final payment option and early termination fees may apply if you elect to make additional repayments during the loan term.
8.Terms and conditions apply. Insurance excess applies. This advice is general in nature and does not take into account your objectives, financial situation or needs. Before making a decision to purchase our insurance product you should consider the appropriateness of the advice taking into account your own objectives, financial situation and needs and refer to the current PDS and Target Market Determination for the relevant product available from participating Dealers, via our website at lexusinsurance.com.au or by calling 1300 888 840. Lexus Insurance purchased in a dealership or via the Lexus Insurance National Customer Solutions Centre is facilitated by Toyota Finance Australia Limited ABN 48 002 435 181, AFSL and Australian Credit Licence 392536 as agent for, and on behalf of, the insurer. The insurer of Lexus Insurance is Aioi Nissay Dowa Insurance Company Australia Pty Ltd ABN 11 132 524 282, AFSL 443540 (Adica). If Lexus Insurance is purchased online, the issuer and insurer is Adica.
The information provided by Lexus Financial Services, 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 obtain your own independent legal, taxation and financial advice.
The information provided by Lexus Financial Services, 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 obtain your own independent legal, taxation and financial advice.
