Accelerate your investments

Toyota Financial Services’ IncomeDriver Notes™ offers you an opportunity to invest with a company you believe in and a partner you can trust.

2% Interest Rate

Overview

Our IncomeDriver Notes™ pay a competitive interest rate and are redeemable at any time. IncomeDriver Notes™ are not a bank account or a money market fund and are not FDIC-insured. IncomeDriver Notes™ are offered in the U.S. only, and only by means of a prospectus.

Why choose IncomeDriver Notes™?

Higher Returns

Higher
returns

Earning is easier with higher interest rates than typical savings accounts

Easy Initial Investment

Easy initial
investment

All it takes is $500 to start earning with us

Simple access to funds

Simple access
to funds

No long-term commitments so you can spend your money how you like, when you like

A smarter way to invest

Compare IncomeDriver Notes™ rates to those of other popular investment options and see how you can start making more of your investments.2

Rate Comparison Chart

Compare IncomeDriver Notes™ rates to those of other popular investment options and see how you can start making more of your investments.2

1As of September 24, 2018, national rates for Money Market and Interest Checking are calculated within an annual percentage yield. This information is based upon the rates published by the Federal Deposit Insurance Corporation.

2 IncomeDriver Notes™ do not constitute a savings, deposit or other bank account and are not insured by or subject to the protection of the Federal Deposit Insurance Corporation. The IncomeDriver Notes™ are not a money market fund, which are typically diversified funds consisting of short-term debt securities of many issuers, and therefore do not meet the diversifications and investment quality standards set forth for money market funds by the Investment Company Act of 1940.

Get started today

It’s never too late, or too early, to begin investing with a trusted partner like Toyota Financial Services. Take a look at how simple it is to start.

One

Verify your eligibility

IncomeDriver Notes™ are available to individuals and entities with a U.S. address and a SSN or Federal Tax ID number.

Two

Learn about your investment

Review the prospectus. The prospectus is the legal document we filed with the Securities and Exchange Commission (SEC) that provides details about Toyota Motor Credit Corporation and our IncomeDriver Notes™ program, which may help you make a more informed decision.

Three

Complete the enrollment application

Visit our secure enrollment website to complete your enrollment application and electronically fund your initial investment from your U.S. bank account. Cash and checks cannot be accepted.

Four

Start Investing

You will earn daily interest on your principal investment. Your interest will be automatically reinvested at the end of each month.

Program documents

Enrollment

Privacy Notice

Privacy Notice

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Terms of Use

Terms of Use

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Prospectus

Prospectus

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Account Change Forms

Update profile or bank information

Update your profile or bank account information

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Retitle a custodial investment

Retitle a custodial investment

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Authorize an Attorney-in-Fact, Guardian or Conservator

Authorize an Attorney-in-Fact, Guardian, or Conservator

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Corporate Resolution

Corporate, trust, partnership certification

Identify individuals who can transact on corporate, trust, or partnership Notes

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Frequently asked questions

The IncomeDriver Notes™ program is a direct investment in senior notes issued by Toyota Motor Credit Corporation (“TMCC”). IncomeDriver Notes™ pay a variable rate of interest and are redeemable at any time. IncomeDriver Notes™ are not a bank account or a money market fund and are not FDIC insured. IncomeDriver Notes™ are offered in the U.S. only, and only by means of a prospectus. Review the prospectus before you invest.

Individuals and entities with a valid Social Security number (SSN) or U.S. federal taxpayer identification number (TIN) and a U.S. address are eligible. IncomeDriver Notes™ may be held individually or jointly, among up to three individuals, or by corporations, partnerships, limited liability companies, firms, associations, or as custodial or trust investments.

The current interest rate is 2.50%. The interest rate is variable and subject to change at any time. Interest is compounded daily at the rate in effect each day, based on a 365/366-day year.

No, IncomeDriver Notes™ are not a savings, deposit or other bank account and are not insured by or subject to the protection of the Federal Deposit Insurance Corporation.

Toyota Motor Credit Corporation, which does business under the Toyota Financial Services (TFS) service mark, is one of the largest consumer finance companies in the U.S. and one of the highest-rated captive auto finance companies in the world. As of March 31, 2018, TMCC employed approximately 3,300 associates nationwide and had managed assets in excess of $120 billion. For information about earnings results, filings with the Securities and Exchange Commission, and company presentations, visit our Investor Relations Center.

You can contact the IncomeDriver Notes™ Customer Service Center at 1‑844‑464‑4673. Our representatives are available Monday through Friday between 8 a.m. and 7 p.m. (ET). You can also review more frequently asked questions by clicking here.