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0% financing or a rebate on a 2020 Toyota Camry?

Gap in total cost

$2,214

  • 0% wins by $2,214.
  • 0% APR: $407 a month, $26,945 total.
  • Rebate at 7.0%: $444 a month, $29,159 total.
  • The rebate wins below 3.4% APR.
  • L FWD, $25,420 with destination.
  • Cheaper than 74% of 103 sedans (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$26.9kRebate, 7.0% APR$29.2k
Down payment plus 60 months of payments. Orange: cheaper.
2020 Toyota Camry: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
L FWD$25,420$407$444$26,945$29,1590% APR
LE FWD$25,965$415$454$27,523$29,8350% APR
SE FWD$27,165$435$477$28,795$31,3240% APR
LE AWD$27,365$438$481$29,007$31,5720% APR
SE Nightshade Edition FWD$27,865$446$490$29,537$32,1920% APR
SE Nightshade FWD$27,865$446$490$29,537$32,1920% APR
SE AWD$28,565$457$503$30,279$33,0610% APR
SE Nightshade AWD$29,265$468$517$31,021$33,9290% APR
Hybrid LE FWD$29,425$471$520$31,191$34,1270% APR
XLE FWD$30,450$487$539$32,277$35,3990% APR
XSE FWD$31,000$496$550$32,860$36,0810% APR
Hybrid SE FWD$31,125$498$552$32,993$36,2360% APR
XLE AWD$31,850$510$566$33,761$37,1360% APR
TRD FWD$32,165$515$572$34,095$37,5270% APR
TRD V6 Auto FWD$32,165$515$572$34,095$37,5270% APR
XSE AWD$32,400$518$576$34,344$37,8180% APR
Hybrid XLE FWD$33,725$540$602$35,749$39,4620% APR
XLE V6 FWD$35,575$569$637$37,710$41,7570% APR
XSE V6 FWD$36,125$578$647$38,293$42,4390% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked