With a PCP plan, your regular monthly payments are low because a significant proportion of the Total Amount Payable is repayable at the end of the agreement by one large repayment.
Manufacturer contribution can consist of a contribution towards the cash price and a contribution towards the deposit.
Model shown is MY23 RAV4 Hybrid Design 2.5 VVT-i Auto FWD, £38,795 including optional metallic paint at £645. Prices correct at time of being published. Terms and conditions apply.
*4.9% APR Representative only available on new retail orders of RAV4 between 1 July 2022 and 30 September 2022 when registered and financed through Toyota Financial Services by 30 September 2023 on a 42 month Toyota AccessFlex (PCP) plan with 0%-35% deposit.. Excess mileage charge of 12p per mile applies to mileage in excess of 28,000 miles over the starting mileage stated in this quote. Price correct at time of calculation and includes VAT. Terms and conditions apply. Check with your Toyota Centre about items which may affect your decision to purchase. Other finance offers are available but cannot be used in conjunction with this offer. Indemnities may be required. Finance subject to status to over 18s only. Subject to availability. Affordable finance through AccessToyota. Toyota Centres are independent of Toyota Financial Services.
Toyota Financial Services may pay the Toyota Centre a commission for introducing you to them. Commission may be calculated based on either a fixed amount relating to the vehicle you are financing, a percentage of the amount you borrow, or a combination of both. Toyota Financial Services may also make other types of payment to the Toyota Centres for introducing you to them. Any such amounts will not affect the amounts you pay to Toyota Financial Services under your finance agreement.
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 5 working days before the 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. Permitted maximum mileage is increased pro-rata. Toyota Financial Services (UK) PLC. Registered Office: Great Burgh, Burgh Heath, Epsom, Surrey, KT18 5UZ. Registered in England with Number 02299961. VAT Registration Number 991 2659 83. Authorised and regulated by the Financial Conduct Authority.
Listers Group and its Appointed Representatives are Credit Brokers and not Credit Lenders. We are not independent as we have contractual relationships with a limited number of lenders. Our approach is to introduce you, in the first instance, to the relevant dealership manufacturer supporting finance company. If they are not able to make you a finance offer, we will submit a proposal to our independent finance provider (Black Horse Finance). We do not conduct a market appraisal and we do not choose from a panel of lenders. In the event that both lenders are unable to provide credit, we will refer you to a broker to attempt to source credit for you. Note however, the available terms from this broker may well be inferior to the two lenders we initially introduced to you.
We act on the lenders behalf as an agent when making this introduction. We offer a non-advised service. We cannot advise or provide any recommendation We will provide you with sufficient information on the lender’s financial products, but it is for you to decide whether the finance product you choose is right for you. The decision as to whether to enter into any credit agreement on the terms offered is yours.
We will receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. For your reassurance, the amount of commission we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
If you are an individual, sole trader or small partnership and we are arranging a credit agreement or a consumer hire agreement for you which is regulated under the Consumer Credit Act 1974, you have a right to ask us to disclose the income that we will receive for arranging finance for you. If you would like us to disclose any potential commission prior to you entering into the agreement, please make your request to email@example.com.
Our commission arrangements with our lenders have been negotiated and agreed in advance and set by the Lender. We do not have any discretion to negotiate or adjust your interest rate, APR or any other item included in the total charge for credit. The interest rate and/or APR offered to you may vary according to the age of the vehicle you purchase and/or the amount you borrow.
At the end of a Toyota Personal Contract Plan (PCP) agreement there are three options: i) retain the vehicle – pay the optional final payment to own the vehicle; ii) return the vehicle (you may be charged for excess wear and tear); or iii) replace: part-exchange the vehicle, subject to status. Manufacturer contribution can consist of a contribution towards the cash price and a contribution towards the deposit.