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Personal Contract Purchase

Personal Contract Purchase (PCP), also known as AccessToyota or Toyota AccessFlex, are flexible and popular plans that provide you with the option to change your car on a regular basis. Pay a Deposit → Regular monthly payments → Choose to retain, return or even renew your Toyota.

PCP Explained

Is this plan for me?

  • I would like to keep my monthly payments as low as possible.
  • I would like to choose how much I pay upfront.
  • I want flexibility at the end of my plan.
  • I want to help protect against an unexpected fall in used vehicle prices.
  • I like to drive the newest models.


About Toyota AccessFlex

Enjoy all the benefits of Toyota Access - (PCP) with Toyota AccessFlex there is a 3-month payment break option included for 0% APR Access Toyota offers.

Toyota AccessFlex is a PCP plan that gives you the option and flexibility to change your car on a regular basis.

Taking a payment break

If you have a Toyota AccessFlex agreement you can request to defer up to 3 of your monthly payments during your agreement. This can be requested a month at a time over your agreement term or over 3 consecutive months and will extend your agreement by the number of months you defer.

You can use the vehicle during any monthly break and during the additional deferred monthly period commencing from the end of your agreement.

Toyota AccessFlex payment breaks may be requested if:

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  • You have made the first 3 monthly payments due under your agreement

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  • Your break must be taken during the term of your agreement and not in the last month

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  • You are not currently in arrears of your agreement nor experiencing financial difficulties

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  • There are more than 5 working days to your next Direct Debit payment and you haven’t already used all 3 months of your payment break allowance

Request Payment Break

Toyota AccessFlex Core Terms

By taking a Toyota AccessFlex monthly payment break, you defer that monthly payment until the end of your agreement. You can defer up to 3 monthly payments (but not the final repayment), either consecutively or on 3 separate occasions during your agreement. The term of your agreement will be extended by one month in respect of each monthly payment deferred, up to a total possible extension of 3 months. Payment breaks cannot be taken to assist with financial difficulties, in respect of the first 3 monthly payments due under the agreement, within the 5 working days before the payment due date, or if any sums due under the agreement are unpaid. The vehicle may be used during any deferred monthly break period. No associated fees charged and monthly payment remains the same.


  • You will have an agreed maximum total mileage at the beginning of your Toyota AccessFlex agreement. 
  • For each month you defer a payment, your agreement term will be extended by one month. Your maximum total mileage will increase pro-rata with this extension. 
  • We will notify you of your new mileage allowance when we approve your deferral request. 
  • If you exceed the agreed mileage and choose to return the vehicle to us, then an excess mileage charge will be payable. This will be calculated according to the charges outlined in your agreement.