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0% financing or a rebate on a 2020 Toyota 4Runner?

Gap in total cost

$4,357

  • 0% wins by $4,357.
  • 0% APR: $597 a month, $39,533 total.
  • Rebate at 7.0%: $669 a month, $43,890 total.
  • The rebate wins below 2.3% APR.
  • SR5 2WD, $37,295 with destination.
  • Cheaper than 53% of 134 SUVs (2020) by MSRP.

Pick another car

Offers change monthly. Enter the dealer's numbers.

7.0% APR. 60 months. 6% sales tax on the price. Tax on the price before the rebate.

0% APR$39.5kRebate, 7.0% APR$43.9k
Down payment plus 60 months of payments. Orange: cheaper.
2020 Toyota 4Runner: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
SR5 2WD$37,295$597$669$39,533$43,8900% APR
SR5 4WD$39,170$627$705$41,520$46,2160% APR
SR5 Premium 2WD$40,490$648$730$42,919$47,8540% APR
TRD Off-Road 4WD$41,015$656$740$43,476$48,5050% APR
SR5 Premium 4WD$42,365$678$766$44,907$50,1800% APR
TRD Off Road Premium 4WD$43,745$700$792$46,370$51,8920% APR
TRD Off-Road Premium 4WD$43,745$700$792$46,370$51,8920% APR
Venture 4WD$45,560$729$826$48,294$54,1430% APR
Limited 2WD$46,160$739$838$48,930$54,8870% APR
Nightshade 2WD$47,900$766$871$50,774$57,0460% APR
Limited 4WD$48,195$771$877$51,087$57,4120% APR
Nightshade 4WD$49,935$799$910$52,931$59,5710% APR
Nightshade Special Edition 4WD$49,935$799$910$52,931$59,5710% APR
TRD Pro 4WD$51,040$817$931$54,102$60,9410% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked