1. Who is Toyota Capital Malaysia Sdn Bhd?
    Toyota Capital Malaysia Sdn Bhd (Formerly known as UMW Toyota Capital Sdn. Bhd.) is a subsidiary of Toyota Financial Services Corporation, which specialises in vehicle finance for Toyota Motor Corporation worldwide.

  2. What automotive financing solutions does Toyota Capital Malaysia offer?
    Acting as one-stop center, we offer automotive financing options to meet your needs - for personal or business, for a single vehicle or a fleet. Contact us for more information.

  3. Will I be able to work out my insurance scheme at the same time when I purchase car under a Toyota Capital automotive financing plan?
    Yes. When you purchase a car under a Toyota Capital automotive financing plan, you will also be able to work out your insurance scheme at the same time. You can choose to renew with our insurance panels:- MSIG Insurance (Malaysia) and Etiqa.

  4. As Toyota Capital Malaysia customer, will I be entitled to any value added services?
    We offer road tax and insurance renewal services and when you renew your motor insurance with our insurance panels, you will be enjoying hassle free convenience.Contact us for more information.

  5. Where is Toyota Capital Malaysia located??
    We have dedicated Toyota Capital Malaysia branches in Selangor, Johor, Penang, Kuching and Kota Kinabalu. Contact us for more information about Toyota Capital Malaysia branches' addresses and location maps. In addition, we have representatives at UMW Toyota Motor branches in almost every state. Click here for UMW Toyota Motor Branches.

  6. What are the operating hours of Toyota Capital Malaysia?
    Our operating hours are from 8.00am to 5.30pm (Monday to Friday, excluding public holidays).

  7. How can I contact Toyota Capital Malaysia?
    You may call us at 603-7962 6000 or Contact us for more informations .

  8. How can I make payment to Toyota Capital Malaysia?
    Toyota Capital Malaysia accepts payment through various of channels. Contact us for information about Ways2Pay.

  9. Do I need to pay any administrative fees for taking automotive financing with Toyota Capital Malaysia?
    Minimal administrative fees will be levied depending on types of automotive financing solutions.

  10. How can I request for the refund of my excess payment?
    Please complete the Giro Form in full and forward via e-mail to cs@toyotacapital.com.my or fax it to 03-7962 6076. Click here to download the Giro Form.

  11. How can I inform Toyota Capital on my new correspondence address?
    Please complete our Change of Address form in full and forward via email to cs@toyotacapital.com.my for verification purpose.
    Click here to download the Form (English)
    Click here to download the Form (BM)

  12. How can I request original Registration Card for my own safe-keeping?
    Please complete our Authorization form in full and forward via email to cs@toyotacapital.com.myfor verification purpose. for verification purpose.
    Click here to download the Authorization Form

  13. I would like to know more on Toyota Capital promotion on Products and Services?
    You may complete our Go Green Advertisement form and forward via email to cs@toyotacapital.com.my
    Click here to download the Go Green Form

  14. How can I check on my loan balance and other related matter pertaining to my loan?
    Kindly complete our TCAPM Request Form and forward via email to cs@toyotacapital.com.my
    Click here to download our standard TCAPM Request form

  15. I am interested taking loan with Toyota Capital. How can I apply it?
    Click here to download the form (Existing Customer)
    Click here to download the form (New Customer)

  16. Will Toyota Capital send me the official receipt after I make monthly payment?
    No issuance of Official Receipt as Statement of Account will be provided upon request.
    Download TCAP EZ Connect app from Appstore / Play store or email us a cs@toyotacapital.com.my to request for Statement of Account.
  1. What is this Toyota EZ Beli?
    This is an easy auto-financing plan, for anyone to get their first Toyota with even lower instalment.

  2. What is Toyota EZ Beli ?
    Toyota EZ Beli is Hire Purchase plan where you enjoy lower monthly installments in first 3 years of the loan tenure and moderately increase along the tenure.

  3. How long is this loan tenure?
    Toyota EZ Beli is offered on a 9-year tenure for a new Toyota. Of the 9-year tenure, Tier 1 is the first 1st to 3rd year, Tier 2 is 4th to 6th year and Tier 3 is 7th to 9th year.

  4. How much can I borrow?
    The maximum loan is 90% of the vehicle's On The Road price. Including Insurance & Road Tax.

  5. What is the different between this plan compared to other hire purchase plan?
    Toyota EZ Beli allows you to enjoy lower monthly repayments in the first 3 years of the loan term and subsequently increase moderately as your career move up. While a conventional Hire Purchase plan requires you to pay the same monthly instalments throughout the loan term.

  6. How low is the monthly installment?
    It is only RM498 per month for based on loan of RM73,800 for Yaris 1,5J. Valid in Pen. Mysia, except Langkawi. Other plan installments may be in the range of RM790 per month.

  7. I am attracted to your lower monthly payments in Tier 1. Will I be able to afford the higher payments in Tier 2 or Tier 3?
    No worries! The repayments in Tier 2 are only slightly higher, with your career moving up, you'll be able to service the instalment. At end of Tier 2, you may choose to trade in the car for a new Toyota with Toyota EZ Beli again!

  8. After Tier 2 ended, if I cannot afford the higher repayments in Tier 3, what is my option?
    You may opt for early settlement of your car loan. Just trade in your vehicle for a new Toyota, and the trade-in value can be used to offset the outstanding balance of your loan.

  9. I just started my 1st job 2 weeks ago, am I eligible for this car financing package?
    The beauty of this Financing Package is that you can apply for this even if you just started to work, all you need is to provide photocopy of letter of employment, Diploma/ University Certificate, MyKad and Driving License.

  10. I'm looking at national make car because the monthly commitment are lower which I can comfortably pay, but is there option for me to choose a Toyota?
    Look no further! You can now buy a Toyota with monthly commitment less than RM599! This is made possible by Toyota EZ Beli.

  11. Can I pay more in Tier 1 & 2 instalment and what will happen to my loan if I pay more?
    Yes, you can pay more in Tier 1 instalment. The additional payment is treated as advance payment.

  12. Do I get interest rebates from my advance payment?
    You'll still get to enjoy the rebate once you settle your loan at end of Tier 2!

  13. Are only 3-Tier plans available?
    We also have 2-Tier automotive financing plans for your consideration. Click here to explore the 2-Tier option.
  1. What is Toyota Drive?
    Toyota Drive is an Islamic lease product which offers many features and benefits that are not available in Hire Purchase.

  2. Why is Toyota Drive offered to limited models only?
    Toyota Drive is targeted at major Passenger Car (PC) models as Malaysia is one of the biggest PC markets in this region.

  3. Who can apply for Toyota Drive?
    It is open individuals (above legal age) and companies.

  4. What are the lease periods available for Toyota Drive?
    You can opt for a lease period of between 3 to 5 years.

  5. Why is there a need to collect the 1st month rental and security deposit at the inception of the lease?
    As Toyota Drive is built on lease principles, it requires rentals to be paid at the beginning of the month. The security deposit is refundable at the end of the lease less any excess charges, if applicable.

  6. Can I make a down payment if I want to?
    Yes you can.

  7. What is LEV?
    This is Toyota Capital's projection of the value of your vehicle at the end of an agreed lease period.

  8. In the event of an accident, will my LEV continue to be guaranteed?
    Yes, provided that all repair jobs are done at authorised UMW Toyota Motor workshops.

  9. Do I need to pay any administrative fees for taking automotive financing with Toyota Capital Malaysia?
    Minimal administrative fees will be levied depending on types of automotive financing solutions.

  10. What is GAP?
    GAP stands for Guaranteed Auto Protection.

  11. How will I benefit from GAP coverage?
    Throughout the lease period, Toyota Capital protects you from having to pay the difference between the insurance settlement amount, which is based on the market value of the vehicle, and the outstanding amount to settle in the event of a total loss arising from theft or accident. Where insurance proceeds exceed the settlement amount, you will receive a refund. Certain conditions apply.

  12. Do I need to pay extra for the GAP coverage?
    There are no additional charges for GAP coverage.

  13. What are the options available to me at the end of the lease?
    There are a number of options available:-
    1. Trade-in for a new Toyota vehicle
    2. Return existing vehicle and simply walk away
    3. Keep existing vehicle by:
      1. Financing at new vehicle rates
      2. Purchase the vehicle at our guaranteed Lease End Value (LEV)

  14. What is the rate if I refinance?
    If you refinance under Hire Purchase, Toyota Capital will offer you the prevailing NEW vehicle rate.

  15. If I were to return my vehicle, what important things should I know?
    If you opt to return the vehicle at the end of lease, you are liable to pay for any repairs or replacements to the vehicle that exceed the normal wear and tear clause. Driving beyond your contracted kilometres will incur additional kilometre charges.

  16. Can I choose the Takaful/Insurance provider?
    No, the Takaful/Insurance must be underwritten by the Takaful/Insurance company appointed by Toyota Capital Malaysia. This is to ensure that you can enjoy the benefits of Toyota Drive.

  17. Who will renew my Takaful/Insurance and road tax?
    Toyota Capital will renew your Takaful/Insurance and road tax yearly and deliver the policy and road tax disc to you at no extra charge.
  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%
    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?
    No.

  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).

  6. If the Base Lending Rate (BLR) changed, will the agreed spread change?
    No, the contracted spread as per the loan agreement is fixed throughtout the contracted tenure.

  7. Is Toyota Flexi Plan applicable to all Toyota models?
    Yes, it is open to all Toyota models.
  1. What is Al-Ijarah Thumma Al Bai' (AITAB)?
    AITAB is an Islamic Automotive Financing plan which is in compliance with Syariah principles.
    • Al-Ijarah means a lease contract that binds the lessor (Toyota Capital Malaysia) and lessee (customer).
    • Al Bai means a sale contract wherein the ownership is transferred to the lessee at the end of the leasing period for a specified consideration.

    AITAB - in a nutshell - is the Islamic version of "conventional" Hire Purchase whereby the parties enter into a lease contract for a specified tenure and subsequently enter into a sale contract at the expiry of the lease tenure.


  2. What is the prevailing rate now?
    We offer attractive and competitive rates to our customers. To find out more, kindly Contact Us.


  3. What is the margin of finance and term of tenure offered?
    We offer a maximum of 90% financing for up to 9 years' tenure.

  4. Can non-Muslims enjoy this Islamic Automotive Financing Plan?
    Yes. Non-Muslims are welcome to experience this Islamic Automotive Financing Plan.
  1. What is Hire Purchase (HP)?
    Hire Purchase means you can buy motor vehicles in which the purchaser (hirer) takes possession of the vehicle as soon as he has paid a minimum deposit of 10% and upon full payment of all the agreed number of fixed monthly instalments, the hirer automatically owns the vehicle. HP is governed by the Hire Purchase Act, 1967 (Amended 1991).


  2. What is the prevailing rate now?
    We offer attractive and competitive rates to our customers. To find out more, kindly Contact Us.

  3. What is the margin of finance and term of tenure offered?
    We offer a maximum of 90% financing for up to 9 years' tenure.