IconHow does it work?

Have the freedom to be in total control of your loan! Toyota Flexi Plan is a great way to own a brand new Toyota car as you can reduce the sum of interest paid and loan tenure by paying extra as and when you can afford it. Meaning, paying less in the long run and settling your loan fast!


  • Interest Savings Auto-Financing Plan
  • Full control to settle your Loan FAST
  • Enjoy the flexibility to adjust monthly payment OR tenure when Base Lending Rate (BLR) changes
    Base Lending Rate : 6.75% p.a.

IconFinancing Terms

Eligibility Individuals age 18 years old and above only for Private registrations
Margin of finance Maximum 90% financing , minimum loan amount applies.
Teanure 9 years

IconFlexi Plan FAQs

  1. Can I switch from Toyota Flexi Plan to fixed rate automotive financing?
    Yes, you may switch at any point of time at no cost.

  2. Are there any late charges and if so, how much?
    Overdue charges will be imposed at 2% above the BLR where the term charges are at a variable rate simple interest calculated on a daily basis.
    For example:
    Toyota Flexi Plan Variable rate = 6.75% p.a.
    Late charges = 6.75% + 2% = 8.75% on the overdue instalment calculated on a daily basis.

  3. 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.

  4. Is there any statutory rebate on variable rate?

  5. 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:
    1. Retain the existing number of instalments (loan period) and change the instalment amount; or
    2. Retain the existing instalment and vary / increase the number of instalments (prolong the tenure).

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

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

  8. Are government employees eligible for this plan?
    Yes! In fact, we have a special campaign for Government Employees called Jom Drive. Click here for more information.

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