yup, what smiley said. most toyota engines are non-interference.
and each and every single car with a transversely mounted engine (fwd), and virtually all modern longitudinal engines (rwd), don't have a fan belt since they have electric fans.
cambelt replacements suck because on most modern cars they are a pig to get to, and also you have to replace the waterpump and a few other things usually, simply because for the amount of about you're forking out for, it makes more sense to do them while you've got that part of the engine opened up anyway.
Its kind of a really violent ticking sound, quite noticable when the revs are low, very much engine orientated. I don't seem to feel that is low on power but that might be an oversight on the girl side of things