They are big liars!!!!!!!! I bought a Camry from Ryde Toyota 4 years ago. I asked Rabi a few times that I don't want any big payment at the end under any name and he said "no big payment, you pay fixed amount for 4 years and that's it" now after 4 years they said you need to pay $8000, under "future guarantee value", at the time I asked what that means the finance guy said it means "we guarantee that your car will worth at least that much after 4 years" and when I talked to him he said "yes, that's happened to so many people at that time. we done that because it was no regulation and we could do and say anything we wanted to", so they even proud that they lied to so many people. the finance guy suggested that " if you have a problem complain hahaha" Do NOT trust them.
Told one thing by their staff on the phone then completely contradictory information by their online customer relations team. No apology or admittance that I was given the incorrect information, just continued assurance that they were right and I was wrong (for over a month!). The worst customer experience I have ever had.
I have dealt with this company for the past year and they have repeatedly ignored my emails, invoiced incorrect amount and also attempted zero assistance when I have asked for anything. They write invoices at the skill of a child first learning how to use a computer. Ignore emails for weeks then offer no means of solutions. Contacting them is just a repetitive circle of absolutely no help whatsoever. I registered a complaint that they ignored and just routed me back to the original person I was complaining about that refuses to provide me with any assistance. They request thousands of dollars with no form of receipt or acknowledgement of payment. I have seen scam companies operate better.
These bullies made no attempt to reach me via email or phone on their file for $112. They sent letters to my home address which was my old address five years ago, which I didn't receive. And then reported to a credit company. When asked about it they sent a blunt response. Please beware.
Toyota Finance were fantastic when I needed a loan. They were very helpful and made me feel very comfortable when talking to them. I was able to get my car because they made the payments affordable.
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Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 4.67% would cost $34,096.76 including fees.
Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 4.89% would cost $34,276.58 including fees.
Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 4.74% would cost $33,949.23 including fees.
Terms from 2 to 5 years. Representative example: a 3 year $10,000 loan at 5.95% would cost $11,538.74 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 4.69% would cost $33,888.17 including fees.
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may inﬂuence the cost of the loan.
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