A settlement is the amount you need to pay to complete your finance agreement with us and includes any interest and fees payable.
Full settlement occurs if you decide to end the finance agreement, before its stated end date, by paying everything that is due to be paid at that point. You are also entitled, at any time, to pay back part of what is owed under the finance agreement.
The fastest way to request a settlement figure is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. Click on the 'Request Settlement Quote' button on the right-hand side
4. Your settlement quote will be sent promptly to your Document Library
5. You can view your Document Library in ‘My Agreements’. Click on the ‘Agreement Details’ button and select 'Library' under 'More Information'
Alternatively, please contact us by:
• sending a secure message through your My Finance account
• Typing ‘Request Settlement Quote’ in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 9am-6pm)
Please note that we charge up to 58 days of interest on early repayment, in line with Consumer Credit (Early Settlement) Regulations 2004.
The quickest and most secure way to pay your settlement amount is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. Click on the 'Make a Payment' button on the right-hand side
4. Select 'Other Amount' then select the amount to pay
5. Complete the rest of the form
Important: if you are making a payment by credit card, please check any transaction fees with your credit card provider before making a payment to us, as your credit card provider may charge you for using this payment method.
If you choose to repay your agreement early, we will calculate a settlement figure for you in line with the Consumer Credit Act 1974 and the Early Settlement Regulations 2004. For agreements longer than 12 months, we may include up to 58 days' interest in the calculation, depending on how much time is left on your agreement.
You can request a settlement figure at any time to see the exact amount you would need to repay.
Click here for more information
Alternatively, you can make a payment directly to us by calling us on 0370 850 5533 (Monday to Friday 8am to 6pm).
To ensure your payment is allocated to your account without delay, please use your 12 digit agreement number only as the payment reference, with no additional information.
Your agreement number can be found:
1. On the front of your Welcome Pack.
2. On the top right of every Toyota Financial Services letter and statement.
3. On your Direct Debit payment reference shown on your bank account.
4. In the 'My Agreements' page in your My Finance account.
Yes. We can accept Partial Settlements on your agreement. This helps to reduce your overall finance balance and the interest you pay over time. You can make a Partial Settlement on your agreement once every 31 days, in line with our systems update cycle.
Please note, if you have a Personal Contract Purchase (PCP) agreement with us, Partial Settlement will not reduce your Guaranteed Future Value (GFV), which remains due at the end of your agreement. However you can choose to either reduce your remaining term or reduce your monthly payments. If you choose to reduce your monthly payment, it cannot be less than the interest amount for that month.
To make a Partial Settlement, the amount you pay must be more than the amount of your usual monthly Direct Debit, as a minimum. This is to ensure it reduces your finance balance meaningfully.
The fastest and most secure way of managing and making your payments to us is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. Click on the 'Make a Payment' button on the right-hand side
4. Select 'Other Amount' then select 'Make an Overpayment'
5. Choose whether to reduce your monthly amount or reduce the length of term of your agreement
6. Follow the remaining instructions on the screen
Alternatively, you can make a payment directly to us by calling us on 0370 850 5533 (Monday to Friday 8:00am to 6:00pm).
The fastest and most secure way of managing and making your payments to us is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. Click on the 'Make a Payment' button on the right-hand side
4. Select 'Other Amount' then select 'Make an Overpayment'
5. Choose whether to reduce your monthly amount or reduce the length of term of your agreement.
6. Follow the remaining instructions on the screen
Alternatively, you can make a payment directly to us by calling us on 0370 850 5533 (Monday to Friday 8:00am to 6:00pm).
Yes, we can accept overpayments on your agreement once every 31 days.This reflects our system's update cycle which only allows one modifications to an agreement every 31 days.
Please note, if you have a Personal Contract Purchase (PCP) agreement with us, overpayments will not reduce your Guaranteed Future Value (GFV), which is due at the end of your agreement. However you can choose whether the overpayment shortens the length of your agreement or reduces your future monthly payments. If you choose to reduce your monthly payment, it cannot be less than the interest amount for that month.
To make a overpayments, the amount you pay must be more than the amount of your monthly Direct Debit, as a minimum. This is to ensure it reduces your finance balance meaningfully.
The fastest and most secure way to request to change your payment date is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance insert hyperlink https://myfinance.toyota.co.uk/MyFinance/
2. In 'My Agreements', click on the 'Agreement Details' button
3. Click on the 'Change Payment Date' button on the right-hand side
4. You can request a change of payment date by entering your preferred date. Please note: You need to make a payment every calendar month, so bear this in mind when you request your preferred date
5. A confirmation of your payment date change request can take up to 72 hours. This will be sent in a secure message in your My Finance account
Alternatively, please contact us by:
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
If you have a Personal Contract Purchase (PCP) agreement with us, you may be eligible to refinance your final Guaranteed Future Value (GFV).
We can provide you with a refinance quote at any point during the last 120 days of your agreement. An accurate quote to refinance is only possible after your final monthly payment has been paid and eligibility criteria has been met. Once approved for refinance, we will send your new finance documents to you in the last month of your existing agreement.
If you have a Toyota Personal Contract Purchase (PCP) finance agreement with us and can't refinance, there are several other options available to you:
1. Upgrade your car
If you are thinking of changing the vehicle for a new one, visit your local Toyota Centre where the team can give you a part exchange valuation, discuss finance options, and arrange a test drive. If the value of the current vehicle is more than the Guaranteed Future Value (GFV) amount that is stated in your agreement, you can put that equity value towards the next vehicle.
2. Keep your car - Pay the outstanding balance in full
Pay the Guaranteed Future Value (GFV) plus any option to purchase fee and we’ll transfer ownership of the vehicle to you.
3. Hand the car back to us
Alternatively, you can give the vehicle back with nothing more to pay. This is subject to not exceeding the maximum mileage, fair wear and tear conditions and being up to date with all the payments due under your agreement. If you would prefer this option, please contact us by:
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
For more information about refinancing your Guaranteed Future Value (GFV), to request a quote or apply to refinance, please contact our Customer Solutions Team by:
• sending a secure message through your My Finance account. Select ‘Re-finance Enquiry’ for Enquiry Type
• emailing customersolutions@uk.toyota-fs.com
• phoning 0345 607 7744 (our opening hours are Monday to Friday 9.00am-6.30pm)
As you approach the end of your finance agreement, you have a number of options to choose from depending on the type of finance product you have.
To find out more about your end of agreement options, please click the link below relating to the finance product you have with us:
Personal Contract Purchase (PCP)
Alternatively, please contact us by:
• sending a secure message through your My Finance account (Opens in new window)
• typing ‘Speak to an Agent’ using the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
The fastest way to view your current balance on your finance agreement is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. You can view your balance to pay under 'Outstanding Balance' on the left-hand side.
Alternatively, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
The fastest way to update your personal details held with us is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In the top right navigation, click on 'My Details', then click on Personal Details
3. Scroll to the bottom of the page and click on the 'Edit details'
4. Amend your details, save and exit
Alternatively, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
The fastest and most secure way to update your bank details is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. Click on the 'Change Bank Details' button on the right-hand side of the screen
4. You will see your current Direct Debit Details.
5. Click on 'Change Bank Details' and follow the instructions
Alternatively, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
This is the unique 12-digit number for your finance agreement with us. Your finance agreement number can be found:
1. On the front of your Welcome Pack.
2. On the top right of every Toyota Financial Services letter and statement.
3. On your Direct Debit payment reference shown on your bank account.
4. In the 'My Agreements' page in your My Finance account
If you cannot find your agreement number, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
"The fastest and most secure way to access and your finance documents is through your My Finance account. To do this, follow the steps below:
1. Log on or create your account in My Finance
2. In 'My Agreements', click on the 'Agreement Details' button
3. Below 'More Information' there are 2 tabs 'Transactions' and 'Library'
4. Select 'Library' to view all correspondence associated with your finance agreement, including annual statements, letters and settlement quotes
If you can't locate your documents, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
The Terms and Conditions for your finance agreement can be found in your finance document pack that was sent to you when your agreement started. They are not available in your My Finance account.
If you require another copy of your Terms and Conditions, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
A mileage allowance is applicable to Personal Contract Purchase (PCP), Personal Contract Hire (PCH) or Business Contract Hire (BCH) finance agreements. Your mileage allowance is the annual number of miles you agreed to when you entered into your finance agreement with us. At the end of the finance agreement, if you have exceeded your mileage limit, any excess mileage charge will be payable if you choose to the return the vehicle.
You can find your mileage allowance and excess mileage charge in your finance agreement.
If you can't find your agreement, you can contact us by:
• typing 'Speak to an Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
If you would like support managing your payments, or if you’re finding it stressful or difficult to make your current payments, or have concerns about making them in future, please contact us by:
• Typing ‘Speak to an Agent’ in the Live Messenger found at the bottom right of this page
• Phoning 0370 243 0804 (our opening hours are Monday to Friday 9am-5.30pm)
• Emailing at customeroutcomes@uk.toyota-fs.com
Remember the earlier you get in touch the sooner we can help.
We recognise this will be a very difficult time for you and we will do all we can to support you through this time.
To find out about the support we can offer you and to help us understand your individual circumstances, contact us by:
• typing 'Speak to and Agent' in the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
At Toyota Financial Services, we’re committed to supporting you and helping you get back on track. If you would like support managing your payments, or if you’re finding it stressful or difficult to make your current payments, or have concerns about making them in future, please contact us to find out about the support we can offer you and to help us understand your individual circumstances.
You can contact us by:
Typing ‘Speak to an Agent’ in the Live Messenger found at the bottom right of this page
Phoning 0370 243 0804 (our opening hours are Monday to Friday 9am-5.30pm)
Emailing at customeroutcomes@uk.toyota-fs.com
Remember the earlier you get in touch the sooner we can help.
There are also several not-for-profit organisations who offer free and impartial help and advice click here (Opens in new window) to find out more.
At Toyota Financial Services our aim is to provide you with the highest standards of service. However, there may be an occasion when you feel you have cause for complaint. If so, we will do all we can to address your concerns and ensure that you receive a timely and fair response.
To make a complaint, please contact us by:
• emailing complaints@uk.toyota-fs.com
• phoning 0333 041 0501 (our opening hours are Monday to Friday 9am-5.30pm)
• write to: The Customer Relations Team, Toyota Financial Services, Great Burgh, Burgh Heath, Epsom, Surrey, KT18 5UZ
We will acknowledge your complaint in writing within five working days of receipt. We will provide you with a point of contact and keep you informed of any progress along the way.
Once you have submitted a complaint, we will acknowledge it in writing within five working days of receipt. We will provide you with a point of contact and keep you informed of any progress along the way.
We will seek to agree a resolution with you and endeavour to issue a final response letter within eight weeks, clearly outlining our position. If there is any delay to this, we will let you know.
To speak to us about your existing complaint, please contact us by:
• emailing complaints@uk.toyota-fs.com
• phoning 0333 041 0501 (our opening hours are Monday to Friday 9am-5.30pm)
This data shows the number of Lending and Hire Purchase complaints received in relation to lending provided by Toyota Financial Services, Lexus Financial Services, and Redline Finance during the period from 1 October 2025 to 31 March 2026.
For general enquiries about your finance agreement, please contact us by:
• sending a secure message through your My Finance account
• using the Live Messenger found at the bottom right of this page
• emailing customerexperience@uk.toyota-fs.com
• phoning 0370 850 5533 (our opening hours are Monday to Friday 8am-6pm)
If you’re finding it stressful or difficult to make your current payments, or have concerns about making them in future, please contact us to find out about the support we can offer you and to help us understand your individual circumstances.
You can contact us by:
• Typing ‘Speak to an Agent’ in the Live Messenger found at the bottom right of this page
• Phoning 0370 243 0804 (our opening hours are Monday to Friday 9am-5.30pm)
• Emailing at customeroutcomes@uk.toyota-fs.com
Remember the earlier you get in touch the sooner we can help.
There are also several not-for-profit organisations who offer free and impartial help and advice such as www.citizensadvice.org.uk; www.nationaldebtline.org; www.moneyhelper.org.uk; and www.stepchange.org
The quickest and easiest way to manage your finance agreement.
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Toyota Financial Services, Great Burgh, Burgh Heath, Epsom, Surrey,
KT18 5UZ
Prefer to call us?
Use the phone numbers below to speak to the right team.
General finance enquiries
0370 850 5533
Mon-Fri, 8am-6pm
Excludes bank holidays
Struggling to make payments
0370 243 0804
Mon-Fri, 9am-5.30pm
Excludes bank holidays
End of agreement options
0345 607 7744
Mon-Fri, 9am-6pm
Excludes bank holidays
Need additional support
0370 243 0804
Mon-Fri, 9am-5.30pm
Excludes bank holidays
If you're finding it stressful or difficult to make your current payments, or have concerns about making them in future, please let us know as we're here to help. We have a range of options available to support your individual circumstances. At Toyota Financial Services we are committed to supporting you and helping you find the best solution.
Call us on 0370 243 0804
Mon-Fri, 9am-5.30pm
Excludes bank holidays
Or email at CustomerOutcomes@toyota-fs.com
We're committed to providing a high standard of service. If something has gone wrong, or you're unhappy with any part of your experience, you can find out how to make a complaint here.
If you took out an AccessFlex PCP agreement between 1st June 2020 and 9th November 2022, you can ask to pause your monthly payments for up to three months, for any reason. You can request this one month at a time or for three months in a row.
If you defer a payment, the length of your agreement will increase by the same number of months. For example, if you defer two payments, your agreement will be extended by two months.
If you’d like to talk to us about pausing your payments, please contact us using the contact details at the top of this page.
