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HP and PCP available, subject to status
Finance for used Toyotas from verified UK dealers
Representative 19.8% APR. No impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score. ?We're partnered with Car Finance 24/7. As an Introducer Appointed Representative of Carfinance247 Limited (FCA FRN: 653019), we receive a commission if you purchase finance products through the link above. We do not provide advice or make recommendations.
*A soft search has no impact on your credit score. If you choose to proceed with a full application, a hard search will be carried out which may impact your credit score.
Toyota offers a wide range from the affordable Aygo to the premium Land Cruiser. Most people financing a used Toyota are looking at models like the Yaris, Corolla, or C-HR, which are competitively priced on the used market.
The monthly cost depends on the model, the amount you borrow, the term length, and the APR you are offered. Rates start from 9.9% APR. Representative 19.8% APR.
Toyota has a strong reputation for reliability. Used Toyotas have a reputation for holding their value on the used market, which tends to keep PCP balloon payments at realistic levels and gives you the potential to build equity.
Toyota's hybrid models (Yaris Hybrid, Corolla Hybrid, RAV4 Hybrid) are particularly popular because they offer lower running costs without the range anxiety of a fully electric car.
Use the calculator further down this page to estimate monthly payments.
Wondering how much car finance you can get on your salary? Use our calculator to estimate monthly payments based on the car price, your credit grade and preferred term length.
Toyota is one of the most popular brands to finance in the UK. Whether you are looking at a used Yaris or a used C-HR, HP and PCP are both available via Brumble. Once approved, you can get your car from any verified UK dealer. Here are some of the most commonly financed Toyota models.
Toyota Yaris
A reliable supermini available as a hybrid. Used Yaris models are affordable to run and typically have strong MOT pass rates.
Toyota Corolla
Available as a hatchback, saloon, or estate, all with hybrid powertrains. Could be a practical choice with a strong reliability reputation.
Toyota RAV4
A mid-size SUV available as a hybrid or plug-in hybrid. Used RAV4s have a reputation for holding their value.
Toyota C-HR
A distinctive compact crossover with hybrid power. Stands out from the crowd and offers good fuel economy.
Toyota Aygo / Aygo X
Toyota's smallest and most affordable car. Used Aygos are among the cheapest cars to finance and insure.
Toyota Yaris Cross
A compact hybrid SUV that combines Yaris running costs with crossover practicality. Strong used demand.
Toyota Hilux
Toyota's pick-up truck, known for durability. Used Hiluxes tend to be in demand and HP may suit owners who do higher mileage.
The amount you can finance depends on your individual circumstances. Subject to status and affordability.
With HP (Hire Purchase), you make fixed monthly payments and own the Toyota at the end. No mileage limits apply. Toyota builds some of the most reliable cars on the road, so keeping one long-term on HP could be a practical option. Many Toyota owners run their cars well past 100,000 miles with minimal issues.
Find out more about HP car finance →
Toyota PCP is a popular option because Toyota has a reputation for holding value well relative to many competitors. This means the balloon payment at the end of the agreement tends to be set at a higher level, which may keep monthly payments lower. If the car holds its value, you could end the agreement with equity to put towards your next car.
Toyota's self-charging hybrid models are particularly well-suited to PCP. They combine low running costs during the agreement with a reputation for holding their value at the end.
Toyota PCP is often available on models such as the Yaris, Corolla, RAV4, C-HR, and Yaris Cross, subject to status. Each model has different used values, which affects the balloon payment and monthly cost.
Find out more about PCP car finance →
With both HP and PCP, you have the right to end the agreement early. Voluntary termination is available once you have paid at least half of the total amount payable.
Both HP and PCP may be available with no deposit on many Toyota models, subject to status and affordability.
Via Brumble, you can check what options you could be eligible for with a soft search. There is no impact on your credit score. If you then choose to proceed, a hard credit search will be carried out which may impact your credit score.
Leasing and finance are different. With a lease, you never own the car. With finance, you have the option to own it.
Toyota builds cars that last. Many owners keep their Toyotas for a decade or more because the reliability is so strong. HP lets you pay off the car and keep driving it indefinitely with no further payments. This is where Toyota really shines compared to leasing, where you hand the car back and start paying again.
With PCP, Toyota's reputation for holding value means there is potential to build equity. If the used market remains favourable, your Toyota could be worth more than the balloon payment. Leasing removes that opportunity.
Finance also gives you the right to voluntary termination and early settlement. Leasing penalises early exit.
Yes. Both HP and PCP may be available on used and second hand Toyotas from verified UK dealers.
Toyota's reliability reputation means used models are in high demand. DVSA MOT data consistently shows Toyota among the top manufacturers for pass rates, which gives buyers confidence in the long-term quality of used models.
Most lenders allow the car to be up to around 14 to 16 years old at the end of the agreement. Given Toyota's longevity, even older models can be reliable choices.
Check the car's history with our MOT checker and tax checker. Our Toyota reliability report covers common issues by model and age.
Approval depends on your circumstances, not the brand. Toyota models are generally well-priced, which means the borrowing amounts tend to be reasonable. A used Yaris or Aygo is one of the most affordable cars you can finance.
If you have a lower credit score, choosing a more affordable Toyota model reduces the amount you need to borrow, which could improve your chances. Our bad credit car finance page has more tips.
If you are a student or young driver, a used Aygo or Yaris could be a realistic and affordable option on finance.
According to DVSA MOT data analysed by Brumble, Toyota has a national MOT pass rate of 75%, based on 1.60 million tests in the 2025 test year. The national average across all brands is 72.4%.
This places Toyota above the national average, which could indicate that used Toyotas may be less likely to have issues at MOT time compared to some other brands. However, individual results depend on the car's age, mileage, and maintenance history.
The most common MOT advisory and failure items on Toyota vehicles include suspension wear, brake pads, and tyre condition. Checking these areas before purchasing could help you avoid unexpected costs during your finance agreement.
Our free MOT checker lets you look up any vehicle's full MOT history by registration number. For a more detailed assessment, our Toyota reliability report breaks down pass rates by model, age, and mileage.
Source: Brumble analysis of DVSA anonymised MOT test results, 2025 test year. Published under Open Government Licence v3.0.
Toyota occasionally runs 0% finance promotions on selected new models. These promotions, sometimes described as zero interest or 0% APR, are not available all the time and are not available on used cars. They typically require an excellent credit score.
If a 0% promotion is not available, Brumble's partner offers used car finance as an alternative. Rates start from 9.9% APR, subject to status.
Check your eligibility for both HP and PCP deals in minutes (Representative 19.8% APR) - with no impact on your credit score. Our partner uses a soft search to give you a quote. If you proceed, a hard search will be conducted which may impact your credit score.
Check Your EligibilityThere are lots of ways to approach car finance, and the right option depends on your circumstances. Whether you have bad credit, need a no deposit option, or just want to understand PCP vs HP, we have a guide for you.
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Guide
Understand the key differences between PCP and HP finance, so you can pick the option that suits how you plan to use the car.
Guide
A plain-English overview of how car finance works in the UK, including deposit, APR, terms, and what happens at the end of the agreement.
Compare Toyota car insurance quotes from 130+ UK insurers.
Thinking of selling your car? Get a free valuation via our partnership with Motorway.
Common questions about Toyota car finance.
Toyota consistently ranks among the top manufacturers for reliability in DVSA MOT data and owner satisfaction surveys. This reliability also supports a reputation for holding value, which could work in your favour on PCP.
Toyota's self-charging hybrids (Yaris Hybrid, Corolla Hybrid, RAV4 Hybrid) offer lower fuel costs than pure petrol models without needing to plug in. They have a reputation for holding their value too. Both HP and PCP may be available on used hybrid Toyotas. Subject to status.
It depends on the age, mileage, and specification of the Yaris, plus the term length and APR. Used Yaris models are among the most affordable cars to finance. Use the calculator on this page to estimate payments. Representative 19.8% APR.
It may be possible. Toyota models are generally affordable, which means smaller borrowing amounts. This could improve your chances with some lenders. A soft search lets you check with no risk. Subject to status.
Toyota has a reputation for holding value well relative to many competitors. This means PCP balloon payments tend to be set at realistic levels, and there is potential to build equity if the car holds its value.
Many finance options are available with no deposit, subject to status and affordability. A deposit is not required but could reduce your monthly payments.
Yes. Request a settlement figure from your lender at any time. With HP, you also have the right to voluntary termination once you have paid at least half of the total amount payable.
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