Also known as: Toyota Financial Services; Lexus Financial Services
Toyota Financial Services (UK) PLC is the captive finance company of Toyota Motor Corporation in the UK. It provides vehicle finance products for new and used Toyota and Lexus vehicles, arranged through authorised Toyota and Lexus dealerships.
Products include Personal Contract Purchase (PCP), Hire Purchase (HP), and personal contract hire for private customers. PCP offers lower monthly payments with an option to pay a larger final payment to own the vehicle, hand it back, or part-exchange. Business finance options are also available through Toyota Fleet Financial Services.
Toyota Financial Services has a reputation for reliable service. Finance is arranged through Toyota and Lexus dealerships rather than directly by the customer, so most people first encounter Toyota Financial Services when buying a car at a showroom.
Toyota Financial Services has been included in the broader motor finance industry landscape affected by the FCA's review of historical commission arrangements. If you have or had a Toyota finance agreement, it may be worth reading the FCA's published consumer guidance.
If you have a Toyota Financial Services agreement and need to contact them, visit the Toyota finance section of toyota.co.uk. Toyota Financial Services (UK) PLC is authorised and regulated by the Financial Conduct Authority.
If you are finding it difficult to manage vehicle finance repayments, speak to Toyota Financial Services as early as possible. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice at no cost to you.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Toyota Financial Services (UK) PLC’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal Contract Purchase (PCP); Hire Purchase (HP); Personal Contract Hire (PCH); Business finance
Trading names and group notes
Subsidiary of Toyota Financial Services Corporation, Japan. Public limited company (PLC).Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Not verified (search results show ~241 reviews on Trustpilot but overall score not clearly confirmed)
~241 reviews
Overall public sentiment
Not fully verified. Some complaint reviews on Trustpilot relate to billing and customer service issues.
Review sources
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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