Apply for disbursement from 01/04/2026 to further announcement.
| Product | CLASSIC & BALLOON | 50/50 | 50/50 PLUS | |||
| OPTIMAL | FLEXIBLE | FIXED | OPTIMAL | |||
| Interest Rate Period | Promotion months | 8.49%/year (fixed first 12 months) |
11.49%/year (fixed first 6 months) |
9.49%/year (fixed in 12 months) |
7.99%/year (fixed in first 12 months) |
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| After promotion months | Standard Rate (3 months reset) |
Standard Rate (6 months reset) |
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| Conditions | Minimum loan term is 24 months |
Minimum loan term is 12 months |
Loan term is 12 months | Loan term is 24 or 36 months |
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| Early Payment Fee | Apply early payment fee: – First 24 months: 4% x early payment amount. – From 25th – 36th month: 3% x early payment amount. – From 37th – 48th month: 2% x early payment amount. – From 49th – 60th month: 1% x early payment amount. – Not apply early payment fee: + Classic: after 60th month. + Balloon: after 35th month. |
Not apply | Apply early payment fee:
– First 06 months: 2% x early payment amount. – After 6th month: not apply. |
Early payment fee: – 24-month loan: – 36-month loan: |
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* The effect of the interest rate in the notice may be adjusted according to the latest notice of LFS.
* Interest calculation method: Interest payment = (Outstanding balance x Actual payment days x Annual interest rate/ 365). Annual interest rate is calculated: 1 year = 365 days.
2. Standard Rate Calculation
| Product | CLASSIC & BALLOON | 50/50 PLUS |
| Base rate* (current effectiveness) | 9.65% – 10.50%/year | |
| Spread* (current effectiveness) | 3.30%/year | 2.00%/year |
| Standard rate | 12.95% – 13.80%/year | 11.65% – 12.50%/year |
*Specific standard rates are based on payment schedules and/or other official announcements from LFS.
Estimate your loan at: Here
** Average interest rate: Here.
Lexus dealers in Vietnam or Lexus Financial Services (LFS) office
Headquarters:
Rooms 04 & 05, 12th floor, Saigon Center Building 2, No. 67 Le Loi, Sai Gon ward, Ho Chi Minh City.
Representative office:
8th floor, Lotte Center 54 Lieu Giai, Giang Vo Ward, Ha Noi City.
