Toyota Capital Services
Here are some of the most frequently-asked questions regarding Toyota Capital and our products and services. If you have a question for us, you may be able to get an instant answer from our FAQs below.

Please select a topic from the menu below to view the frequently-asked questions on that topic.
Q1. Can I switch from Toyota Flexi Plan to fixed rate automotive financing?
Yes you may switch at any point of time at no cost.

Q2. Are there any late charges and if so, how much?
Late charges will be imposed at the rate of 2% above the prevailing rate of Toyota Flexi Plan term charges.
Toyota Flexi Plan Variable rate = 6.50%
Late charges = 8.50% on the overdue instalment

Q3. How is the early settlement interest calculated?
If you settle within 7 days from the due date, no interest will be charged up to the next due date. If you pay after 7 days, the full interest accrued up to the next due date will be charged to your account.

Q4. Is there any statutory rebate on variable rate?

Q5. When can Toyota Capital Malaysia revise the Base Lending Rate (BLR)?
It can be changed at any time during the tenure of the agreement. We will notify our customers via registered mail, giving 14 days to exercise the options below:

Retain the existing number of instalments (loan period) and change the instalment amount; or
Retain the existing instalment and vary / increase the number of instalments (prolong the tenure).

Q6. If the Base Lending Rate (BLR) changed, will the agreed spread change?
No, the contracted spread as per the loan agreement is fixed throughout the contracted tenure.

Q7. Is Toyota Flexi Plan applicable to all Toyota models?
Yes, it is open to all Toyota models.

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Find out more about them so you can choose the one that best fits your needs.
Toyota 2-Tier Plan
Toyota Drive
Flexi Plan
Hire Purchase
Choose the most convenient method for your repayments.

Via ATMs and Cash Deposit Machines
at certain bank networks
  Payment at CIMB
  Payment at Maybank
Via Online Banking
Mail in your Cheque / Bank Draft
Walk in to Toyota Capital Office (Cash / Cheque)
With effect from 01 June 2019   6.75% per annum