Audi Car Finance 
BMW Car Finance 
Ford Car Finance 
Kia Car Finance 
Land Rover Car Finance 
Mercedes Benz Car Finance 
Nissan Car Finance 
Peugeot Car Finance 
Tesla Car Finance 
Toyota Car Finance 
Vauxhall Car Finance 
Volkswagen Car Finance Toyota Finance
Toyota Car Finance
Finance a reliable Toyota with Happy Motor Finance. From the iconic Yaris to the rugged Hilux, get competitive rates with flexible terms to suit your budget.
With no impact to your credit score*
Calculate Your Finance
Estimated monthly payments
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
About Toyota Car Finance
Toyota, founded in 1937, has grown to become the world's largest car manufacturer. The brand's reputation for bulletproof reliability and engineering excellence is unrivalled, and its pioneering work in hybrid technology — starting with the original Prius in 1997 — has positioned Toyota as a leader in efficient motoring.
In the UK, Toyota vehicles are built at the Burnaston plant in Derbyshire and the Deeside engine plant in Wales, making them a truly home-grown choice. Financing a Toyota through Happy Motor Finance is simple, fast, and designed to get you driving as quickly as possible.
Popular Toyota Models We Finance
Toyota offers an outstanding range of vehicles, and we finance them all:
- Toyota Yaris — A multi-award-winning supermini with class-leading hybrid efficiency
- Toyota Yaris Cross — A compact crossover combining Yaris efficiency with SUV practicality
- Toyota Corolla — A polished family hatchback with hybrid power as standard
- Toyota C-HR — A striking crossover with bold styling
- Toyota RAV4 — A capable mid-size SUV with hybrid and plug-in hybrid options
- Toyota GR86 / GR Yaris — Exciting performance cars for driving enthusiasts
- Toyota Hilux — The legendary pickup truck built to last
From city cars to trucks, there's a Toyota for everyone — and we can help you finance it.
What Are My Finance Options?
We offer several ways to finance your Toyota:
- Hire Purchase (HP) — Simple, fixed monthly payments with full ownership once you've paid the final instalment.
- Personal Contract Purchase (PCP) — Lower monthly payments with the flexibility to keep, return, or upgrade your Toyota at the end of the agreement.
- Personal Loan — Borrow the full amount and own the Toyota from day one, with no restrictions on usage or modifications.
Toyota's strong residual values can make PCP particularly attractive, as the final optional payment may be lower than on some rival brands.
Why Toyota is an Excellent Finance Choice
Toyota's legendary reliability makes them an outstanding choice for finance customers. Here's why:
- Low running costs — Toyota's self-charging hybrid technology delivers excellent fuel economy without the need to plug in
- Strong residual values — Toyotas hold their value well, which benefits PCP customers and protects your investment
- Proven reliability — Toyota consistently tops reliability surveys, meaning fewer unexpected repair bills during your finance term
- Low insurance groups — Many Toyota models fall into competitive insurance groups, keeping your overall motoring costs down
These factors combine to make Toyota one of the most cost-effective brands to finance over the long term.
Why Choose Happy Motor Finance for Your Toyota?
Toyota is renowned worldwide for building some of the most reliable cars on the road. At Happy Motor Finance, we help UK customers finance new and used Toyotas with competitive rates and a hassle-free application process.
We consider all credit types and work with a broad panel of lenders to find the best available deal for your circumstances. Whether you're after a fuel-sipping hybrid or a practical family SUV, we'll make Toyota ownership accessible and affordable.
How It Works
Getting car finance doesn't have to be complicated. Here's how our simple process works.
Apply Online
Complete our quick and easy application form in just a few minutes. It won't affect your credit score.
Get Matched
We'll search our panel of lenders to find the best deal for your circumstances.
Choose Your Car
Once approved, choose any car from any reputable dealer. Our Personal Shopper service can help.
Sign & Drive
Sign your finance agreement and drive away in your new car. It really is that simple!
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
Toyota Car Finance FAQ
Ready to Finance Your Toyota?
Apply now for Toyota car finance. Quick, easy, and no effect on your credit score.
With no impact to your credit score*
We act as a credit broker, not a lender
Representative example: borrowing £6,500 over 5 years with a representative APR of 16.9%, an annual interest rate of 16.9% (Fixed) and a deposit of £0.00, the amount payable would be £161.19 per month, with a total cost of credit of £3,171.55 and a total amount payable of £9,671.55. This is an example only, lender fees may apply. The exact rate you will be offered will depend on your circumstances. All finance subject to status.
*After completing the application, lenders will perform a “soft search” that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a “hard search” of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
