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 pre-owned or used 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. (Effective from 1st June 2023)

IconFinancing Terms

  • Individuals age 18 years old and above.
  • Applicable for Toyota & Lexus Certified Pre-Owned Vehicles with maximum age of car of 6 years.
  • Applicable on selected vehicle makes for Non-Certified Pre-Owned vehicle that with a minimum age of car of 1 year.
  • Applicable on Toyota & Lexus Demo car with maximum age of car of 2 years (selected models only).
  • Applicable on Toyota Van (that available in Toyota TopMark Malaysia only).
  • Only applicable for vehicle available in Toyota TopMark and authorised Toyota outlets.
Margin of finance Maximum 90% financing, minimum loan amount applicable.
Tenure 9 years

IconFee and charges

Standard Fees RM    Optional Fees (if applicable only) RM
Stamp duty - without guarantor 10 Photography cost (used & new reconditioned) 10
Stamp duty - with guarantor 30 Settlement with other financier 30
Ownership, registration and handling charges 50 Inter-branch inspection 50
Photocopy charges 10 Transport charges for inspection 10
Handling charges for Used Vehicle Inspection 100
Handling Charges and stamping fee for Assignment application 230
After Sales Support Service Fees (if applicable only) RM Chargeback Expenses for Recovery (if applicable only) RM
Document retrieval: within branch 10 Travelling charges to inspect/trace vehicle (distance based):-
  • Within 10km
  • Within 30km
  • Within 60km
  • Within 90km
  • More than 90km
Document retrieval: offsite storage 30 Redelivery & disposal of repossessed vehicle 120
Photocopy of registration card 10
Photocopy of HP agreement 10
Road Tax renewal 10
Any Documents request to deliver via Normal Postage, Courier or Email 10
Consent Letter of JPJ for change on engine 50
Letter to JPJ & Custom for transfer vehicle from East to West Malaysia (vice versa) 50
Letter to JPJ for Duplicate Vehicle Registration Card 50
Letter to JPJ for Interchange of Registration Number 50
Ownership claim upon full settlement of account 100
Reminder and Statutory Notice send by Register
Mail :-
  • Reminder
  • Notice on Base Lending Rate (BLR) & Based
Financing Rate (BFR) Revision
  • 4th Scheduled Notice
  • Notice of intention to Responses
  • 5th Scheduled Notice


IconPre-Owned Toyota Flexi 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).

Still on the lookout for the perfect Pre-Owned Vehicle?

Explore now on Toyota TopMark Malaysia

Have peace of mind knowing that each Toyota Certified Pre-Owned Vehicle comes with up to a 2 Year warranty and is vetted through the highest standards to help safeguard you and your loved ones.

Visit here for more information!

Icon Download Product Disclosure Sheet

Product Disclosure Sheet Flexi Plan Download

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