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 the Hire-Purchase (Amendment) Act 2026 (HPAA)?
   The Hire-Purchase (Amendment) Act 2026 amends the existing Hire-Purchase Act 1967 to modernise Malaysia's hire-purchase framework. It replaces interest calculation methods such as flat rates and the "Rule of 78" with a more transparent approach based on the Effective Interest Rate (EIR) and a reducing-balance method, where interest is calculated on the outstanding loan amount.
2. When will HPAA take effect?
   HPAA takes effect from 1 June 2026, with a transition (grace) period until 31 March 2027 for hire-purchase providers to update their systems and processes.
3. Will Toyota Capital Malaysia ("TCAPM") implement HPAA immediately?
   At this stage, we are in the process of upgrading our systems to support the new requirements. We will implement the necessary changes in line with regulatory timelines before the end of the transition period (31 March 2027).
4. Does HPAA affect my existing hire-purchase agreement?
   No.
   Your existing agreement remains unchanged and will continue under the original terms and conditions unless otherwise advised.
5. Will my monthly instalment change due to HPAA now?
   No.
   There will not be any changes to your current monthly instalment, unless otherwise stated in the agreement.
6. Am I eligible for goodwill discount?
   As part of the transition, TCAPM will offer a goodwill discount at the point of early settlement for existing fixed-rate hire-purchase/AITAB agreements and/or any agreements that apply the Rule of 78 method. The goodwill discount programme will commence on 1 June 2026. The agreement must be entered into before 1 June 2026 or during the transition period for system enhancements, which remains in effect until 31 March 2027. Eligibility is subject to applicable terms and conditions. For further information, please contact us at cs@toyotacapital.com.my.
7. Will new HPAA-compliant products be available now?
   During the transition period, we may continue to offer existing fixed rate products under Rule of 78 fixed-rate method while system upgrades are ongoing. Notwithstanding the above, we currently offer variable rate financing products that are compliant with the HPAA, providing customers with an immediate HPAA-compliant financing option..
8. Where can I get more information?
   Please contact us at cs@toyotacapital.com.my or visit this page for the latest updates on HPAA implementation.

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 = 6.50%
   Late charges = 6.50% + 2% = 8.50% 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.

Dear Valued Customers,

In line with the expansion of the Sales and Service Tax (SST) scope effective 1 July 2025, some of our services are now classified as taxable service under the Service Tax Regulations 2018. As mandated by the Royal Malaysian Customs Department (RMCD), these services will be subject to service tax.

For further reference, the official guideline is available on the RMCD website: https://mysst.customs.gov.my/industryguides

We remain committed to full compliance with the latest regulatory guidelines and will take all necessary steps to ensure a smooth transition with minimal disruption to you. We will continue to monitor updates from the authorities and provide timely communication should there be any further developments. Please look out for further updates from us regarding the SST implementation.

Thank you for your continuous support.

1. What is Service Tax (ST) ?
   Service Tax is a consumption tax introduced by the Malaysian Government. It operates as a single-stage tax, meaning it is charged only once.
   
   Specific categories of services are imposed with Service Tax whereby businesses are required to charge and collect the Service Tax from customers and subsequently remit to Royal Malaysian Custom Department (RMCD).

2. What services in TCAPM are subject to ST?
   Under the expanded scope of taxable services, the following services are subject to Service Tax :
   

   1. Rental / Leasing Services
      Applicable to subscriptions under KiNTO.
   2. Financial Services
      Fee-based charges under Hire Purchase, including:
      • Administration fees
      • Processing fees
      • Settlement fees
      • Postage fees

3. What is the ST rate? And When will the ST be effective?
   Service Tax rate is 6% / 8%
   

   1. Rental / leasing services effective from 1st Sept 2025
   2. Financial services (fee based) effective from 1st Oct 2025

4. How to calculate Service Tax payment for financial services?
   Assuming the service fee is RM 100 and is subject to Service Tax at 8%, the computation would be as follows:
   
   

   Fee	RM 100
   Service Tax @ 8%	RM8
   Total payable	RM 108

5. Are Islamic products subject to Service Tax?
   Yes, all fee-based services under Hire-Purchase or KINTO are subject to Service Tax unless specifically exempted by the RMCD

6. How will I know if I have been charged with Service Tax?
   Service tax will be reflected in e-Invoice and statements of account.

7. If the customer is given a discount, will Service Tax be charged before or after discounts have been taken into account on a transaction?
   Service Tax will be charged on the final price, i.e. after taking into account the discounts and rebate.

8. Based on RMCD's announcement, the ST is chargeable from 1st October 2025. Why I only get charged from 1st January 2026 onward?
   Service Tax is applicable to service fees/charges under our Hire-Purchase starting 1st October 2025.
   
   As a gesture of goodwill, TCAPM has absorbed the Service Tax from 1st October 2025 until 31st December 2025 as a temporary measure to ease the transition and minimise the immediate impact on our customers.
   
   Starting from 1st January 2026, Service Tax will be applied to the applicable service fees/charges.

9. Why the ST cannot be continued to be absorbed by TCAPM from 1st January 2026 onwards? Why do I need to pay after 1st January 2026?
   Starting 1st January 2026, we will begin charging Service Tax in line with the regulatory requirements issued by the RMCD. Continuing to absorb the Service tax indefinitely would not be sustainable for our business operations and could affect our ability to maintain service quality and compliance.
   
   We remain committed to full compliance and transparency, and we will continue to take all necessary steps to ensure a smooth transition with minimal disruption to you. We thank you for your understanding and continued support.

10. Can I request waiver for the Service Tax?
    Unfortunately Service Tax cannot be waived at our discretion as it is a statutory obligation.

11. Where can I refer to for the relevant guidelines issued by Customs with regards to the Service Tax for financial services providers?
    All regulation, policy and guide can be referred from RMCD website: https://mysst.customs.gov.my/IndustryGuides