LX – Dịch vụ Tài chính Lexus Việt Nam

Round	Day	Reference interest rate	Remaining balance	Interest amount	Principal amount	Installment amount
Fixed interest rate for the first 6 months 6.99%
-	10/04/2025		5,010,000,000			-
-	05/05/2025	6.99%	5,010,000,000	Add into the 2nd period	Add into the last term	-
1	05/06/2025	6.99%	4,592,500,000	52,769,712	417,500,000	470,269,712
2	05/07/2025	6.99%	4,175,000,000	26,384,856	417,500,000	443,884,856
3	05/08/2025	6.99%	3,757,500,000	24,785,774	417,500,000	442,285,774
4	05/09/2025	6.99%	3,340,000,000	22,307,197	417,500,000	439,807,197
5	05/10/2025	6.99%	2,922,500,000	19,188,986	417,500,000	436,688,986
Floating interest rate from 7th month 11.85%
6	05/11/2025	11.85%	2,505,000,000	27,467,497	417,500,000	444,967,497
7	05/12/2025	11.85%	2,087,500,000	24,398,014	417,500,000	441,898,014
8	05/01/2026	11.85%	1,670,000,000	21,009,401	417,500,000	438,509,401
9	05/02/2026	11.85%	1,252,500,000	16,807,521	417,500,000	434,307,521
10	05/03/2026	11.85%	835,000,000	11,385,740	417,500,000	428,885,740
11	10/04/2026	11.85%	0	9,759,205	835,000,000	844,759,205
Total :				256,263,902	5,010,000,000	5,266,263,902

Round	Reference interest rate	Interest amount	Principal amount	Installment amount
Cuối kỳ: 10/04/2026	5.99	300,099,000	5,010,000,000	5,310,099,000

Round	Day	Reference interest rate	Remaining balance	Interest amount	Principal amount	Installment amount
Fixed interest rate for the first 6 months 6.99%
-	10/04/2025		5,010,000,000			-
-	05/05/2025	6.99%	5,010,000,000	Add into the 2nd period	Add into the last term	-
1	05/06/2025	6.99%	4,766,458,333	52,769,712	243,541,667	296,311,379
2	05/07/2025	6.99%	4,522,916,667	27,384,283	243,541,667	270,925,949
3	05/08/2025	6.99%	4,279,375,000	26,851,255	243,541,667	270,392,922
4	05/09/2025	6.99%	4,035,833,333	25,405,418	243,541,667	268,947,085
5	05/10/2025	6.99%	3,792,291,667	23,186,692	243,541,667	266,728,358
Floating interest rate from 7th month 11.85%
6	05/11/2025	11.85%	3,548,750,000	35,642,347	243,541,667	279,184,013
7	05/12/2025	11.85%	3,305,208,333	34,563,853	243,541,667	278,105,519
8	05/01/2026	11.85%	3,061,666,667	33,264,884	243,541,667	276,806,551
9	05/02/2026	11.85%	2,818,125,000	30,813,788	243,541,667	274,355,454
10	05/03/2026	11.85%	2,574,583,333	25,617,914	243,541,667	269,159,581
11	10/04/2026	11.85%	0	30,090,884	2,574,583,333	2,604,674,217
Total :				345,591,030	5,010,000,000	5,355,591,030

1. After the Customer pays off the loan, when will LFS delete the Secured Transaction for the Customer?

After 3 days since the Customer settles the loan, LFS will delete the secured transaction for the Customer on the Online system. In case the customer sends a request to LFS, “Receive the result of deleting the Secured Transaction Registration” “, LFS will support sending it to the Customer’s home address (usually within 2 weeks from the date of contract liquidation).

2. What information should customers pay attention to when paying a part of the principal debt (reducing the principal)?

As part of the credit contract, LFS provides an Early Payment service to facilitate customers to arrange a flexible payment schedule. When using the Early Payment service, please note the following points:

1. The minimum Early Payment amount equals 2 (two) monthly ORIGINAL payments.

2. The early payment principal deduction date must be the next payment due date. Therefore, if an Early Payment is incurred between two Payment Scheduled periods, the early principal deduction date will be the next payment due date.

3. After deducting the principal, the monthly principal amount to be paid remains unchanged and the Contract Term will be shorter than the original term. LFS will send a new Payment Schedule to the Customer.

3. Customers want to pay part of the principal or all of the principal (early settlement), what procedures must be followed?

After transferring money, please send to LFS one of the following two documents to complete the request for early repayment (take a picture of the document sent via email or Zalo of LFS)

1. A written request for principal reduction/early liquidation with the signature of the Owner/Co-borrower matching the signature on the Credit Contract, or

2. Money transfer authorization with the signature of the Owner/Co-borrower matching the signature on the Credit Contract.

*Note for early settlement request:

– If Customer buys a car at a dealer in Ho Chi Minh City area: after 1 day of payment, you can bring the original ID card and payment slip to the LFS office to complete the procedures for liquidation of the Contract and receive the Sign back. original signature.

– If Customer buys a car at a dealer in another area (not in Ho Chi Minh City): Within 3 working days (from the date the deposit is in LFS account and LFS receives all valid documents), will staff will contact you to get back the original registration at the dealer where the customer bought the car.

4. How can the Customer check the PAYMENT AMOUNT FOR LFS AFTER 1 DAY? Or PAYING POLICY AMOUNT?

Option 1: Customers compose a message according to the instruction syntax and send the phone number 0942 340 109:

CHECK THE AMOUNT PAYED FOR LFS AFTER 1 DAY:

Syntax: dadong [license plate]

For example: dadong 51g12345 to 0942340109

CHECK OUT PAYING POLICY AMOUNT FOR LFS:

Syntax: sotien [license plate]

For example: sotien 51g12345 to 0942340109

Option 2: Customers can look up payment schedule information, payment history via Customer Portal: https://toyotafinance.com.vn/ by logging in to their account and selecting Loan Information, Click on the contract you want to see details.

5. If the Customer pays late for the monthly installment, how does LFS calculate late interest?

– According to the provisions of the Credit Contract, the Customer is obliged to pay in full and on time the monthly payment amount according to the Payment Schedule enclosed with the Credit Contract or the Payment Schedule sent to the Customer every 3 months. month.

– In case the Customer pays later than the Monthly Payment Date and the contract incurs a late penalty, the Customer is kindly requested to pay the extra amount up to the actual payment date or contact LFS to get the payment. detailed amount notice.

– On the side of LFS, in order to comply with the provisions of law on the transfer of overdue debts and classification of debt groups, LFS will classify loans with overdue balances greater than 0 dong.

6. What are the “Content of Remittance” Notes when making a loan payment to LFS?

When making a transfer to Toyota Finance Vietnam – TFSVN, the Customer should note the “Content of Money Transfer” as follows:

[CAR OWNER’S NAME] make loan payments to [VEHICLE NUMBER NUMBER] or [LOAN CONTRACT NUMBER]

-> Note: [LACE NUMBER] must be written in full. Example: 61A1234

7. Through which payment channels can customers make monthly loan payments to LFS?

LFS payment channels:

Option 1. Pay cash via Payoo – Viettel at payment points such as Winmart+, Cirkle K, Family Mart, FPT shop, etc.

Option 2. Payment via E-Wallet: “ShopeePay”, “ViettelPay”, “Viettel Bankplus” & “Payoo””

Option 3. Payment via bank: Techcombank, Citibank according to the account information of Toyota Finance Vietnam – TFSVN:

TECHCOMBANK: Account number: 10221579904016; Account name: TFSVN; Bank: Techcombank – CN.HCM.

CITI BANK: Account number: 888888xxxxxx; Account name:TFSVN ;Bank: Citibank – CN. HCM.

In which xxxxxx is the last 6 digits of the customer’s loan contract.

Option 4. Direct payment via LFS Customer Portal. To view detailed payment instructions, customers access LFS’s Customer Portal: https://toyotafinance.com.vn/ and select “Payment instructions”.

8. What is the date of the monthly payment of the LFS loan?

LFS has 03 days for customers to choose monthly payment: 5th – 15th – 25th. Customers can choose when signing a credit contract and apply throughout the loan period.

9. If the Customer loses/tears or damages the “Certificate of Mortgage Receipt” or “Copy Certified Vehicle Registration”, will LFS re-issue another copy?

LFS wants the Customer to keep it carefully, to avoid losing / tearing or damaging the “Mortgage Receipt” or the “Copy Certified Vehicle Registration”. In this case, the Customer can still request the LFS to re-issue by sending a written “Application” according to the LFS form attached to the Customer together with the Credit Agreement set. Specify the content of the request and the reason (Drop, tear, damage by the Customer)

10. Conditions for LFS to re-issue “Copy Certified Vehicle Registration” and renew “Mortgage Receipt”?

Customer has no overdue debt & valid vehicle insurance.

11. When sending the original vehicle registration to the LFS Office, how long does it take for the Customer to receive the “Mortgage Receipt” & “Copy Certified Vehicle Registration”?

“Mortgage Receipt” & “Copy Certified Vehicle Registration” will be sent EXPRESS DELIVERY to Customer’s home address (as information on LFS’s Loan Application). After about 03 working days, Customers will receive.

12. After Disbursement, When will “Credit Contract” & “Payment Schedule” be sent to Customer by LFS?

Credit Contract, Payment Schedule, Payment Instructions, and some other information will be sent by EXPRESS DELIVERY to the Customer approximately after 15 working days from the date of disbursement.

13. What do I need to apply for a Vehicle Material Insurance renewal application to LFS? And how to send?

“Customers send Vehicle Material Insurance Renewal Application to LFS by image file & send it via Email or Zalo of TFSVN. The file includes:

The Insurance Policy has the Beneficiary clause:

Toyota Finance Vietnam Company Limited (TFSVN); Address: Room 04 – 05, Floor 12, Saigon Center Building 2, No. 67 Le Loi Street, Ben Nghe Ward, District 1, Ho Chi Minh City, is the first and only beneficiary of insurance benefits. :

In case the vehicle is damaged within the insurance coverage with a loss of up to VND 20 million, the Insurance Company will directly compensate the car owner.

In case the vehicle is damaged within the insurance coverage with a loss of over VND 20 million, the Insurance Company will only compensate the car owner with the approval of LFS.

In case of total loss, the Insurance Company compensates LFS directly. After collecting the loan amount (interest + principal) and other costs, LFS will be responsible for transferring the rest to the car owner.

Any change in the content of beneficiaries & beneficiaries’ interests (LFS) must be approved in writing by LFS.

Invoice or Receipt confirming premium payment.
Certificate of voluntary insurance for vehicle material (bodywork).

14. If the Customer’s Vehicle Insurance has expired, but the Customer does not know to renew, will it affect the LFS loan process?

Every month, the Customer Care – Customer Service Center of LFS will call / text to remind and guide the Customer to renew the Vehicle Material Insurance Policy when the insurance validity is about to expire for 1 month. Delayed renewal of insurance policy will affect LFS’s eligibility to renew the “Mortgage Receipt” and issue a “Copy Certified Vehicle Registration” to the Customer.

15. Are customers required to buy Vehicle Material Insurance when borrowing at LFS?

The Customer must purchase Vehicle Physical Insurance because the Vehicle is the collateral for the Customer’s loan at LFS. And Customer must purchase/renew Vehicle Material Insurance for the entire validity period of the Credit Contract…

16. Car loan documents for corporate customers?

Apply for a business car loan using the form of LFS

Company Legal Papers

Proof of financial capacity

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50-50 Product

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Estimated installment schedule (VNĐ)

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Award 2023