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

Gap in total cost

$4,083

  • 0% wins by $4,083.
  • 0% APR: $572 a month, $37,922 total.
  • Rebate at 7.0%: $640 a month, $42,004 total.
  • The rebate wins below 2.4% APR.
  • L FWD, $35,775 with destination.
  • Cheaper than 56% of 134 SUVs (2020) by MSRP.

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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$37.9kRebate, 7.0% APR$42.0k
Down payment plus 60 months of payments. Orange: cheaper.
2020 Toyota Highlander: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
L FWD$35,775$572$640$37,922$42,0040% APR
L AWD$37,375$598$671$39,618$43,9890% APR
LE FWD$37,975$608$682$40,254$44,7330% APR
Hybrid LE FWD$39,375$630$709$41,738$46,4700% APR
LE AWD$39,575$633$713$41,950$46,7180% APR
XLE FWD$40,775$652$735$43,222$48,2070% APR
Hybrid LE AWD$40,975$656$739$43,434$48,4550% APR
Hybrid XLE FWD$42,175$675$762$44,706$49,9430% APR
XLE AWD$42,375$678$766$44,918$50,1920% APR
Hybrid XLE AWD$43,775$700$792$46,402$51,9280% APR
Limited FWD$44,825$717$812$47,515$53,2310% APR
Hybrid Limited FWD$46,225$740$839$48,999$54,9680% APR
Limited AWD$46,775$748$849$49,582$55,6500% APR
Limited Platinum FWD$48,025$768$873$50,907$57,2010% APR
Platinum FWD$48,025$768$873$50,907$57,2010% APR
Hybrid Limited AWD$48,175$771$876$51,066$57,3870% APR
Hybrid Limited Platinum FWD$49,425$791$900$52,391$58,9370% APR
Hybrid Platinum FWD$49,425$791$900$52,391$58,9370% APR
Limited Platinum AWD$49,975$800$910$52,974$59,6200% APR
Platinum AWD$49,975$800$910$52,974$59,6200% APR
Hybrid Limited Platinum AWD$51,375$822$937$54,458$61,3560% APR
Hybrid Platinum AWD$51,375$822$937$54,458$61,3560% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked