Exhibit 99.2

                           CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                   SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Toyota Motor Credit
Corporation (the "Company") on Form 10-Q for the period ending June 30,
2002 as filed with the Securities and Exchange Commission on the date
hereof (the "Report"), I, John F. Stillo, Chief Financial Officer of
the Company, certify, pursuant to 18 U.S.C. 1350, as adopted pursuant
to 906 of the Sarbanes-Oxley Act of 2002, that:

         (1) The Report fully complies with the requirements of section
13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents,
in all material respects, the financial condition and results of
operations of the Company.

/s/ John F. Stillo
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John F. Stillo
Chief Financial Officer
August 14, 2002