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0% financing or a rebate on a 2026 Toyota 4Runner?

Gap in total cost

$5,489

  • 0% wins by $5,489.
  • 0% APR: $697 a month, $46,179 total.
  • Rebate at 7.0%: $788 a month, $51,668 total.
  • The rebate wins below 1.9% APR.
  • SR5 2WD, $43,565 with destination.
  • Cheaper than 60% of 176 SUVs (2026) 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$46.2kRebate, 7.0% APR$51.7k
Down payment plus 60 months of payments. Orange: cheaper.
2026 Toyota 4Runner: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
SR5 2WD$43,565$697$788$46,179$51,6680% APR
SR5 4WD$45,565$729$826$48,299$54,1490% APR
TRD Sport 2WD$50,045$801$912$53,048$59,7060% APR
TRD Off-Road 4WD$51,985$832$949$55,104$62,1130% APR
TRD Sport 4WD$52,045$833$950$55,168$62,1870% APR
Hybrid TRD Off Road 4WD$54,785$876$1,002$58,072$65,5870% APR
Hybrid TRD Off-Road HV 4WD$54,785$876$1,002$58,072$65,5870% APR
I Force Max TRD Off-Road$54,785$876$1,002$58,072$65,5870% APR
TRD Sport Premium 2WD$55,405$886$1,014$58,729$66,3560% APR
TRD Sport Premium 4WD$57,405$918$1,052$60,849$68,8370% APR
TRD Off Road Premium 4WD$57,765$924$1,058$61,231$69,2830% APR
TRD Off-Road Premium 4WD$57,765$924$1,058$61,231$69,2830% APR
Limited 2WD$58,195$931$1,067$61,687$69,8170% APR
Limited 4WD$60,195$963$1,105$63,807$72,2980% APR
Hybrid TRD Off Road Premium 4WD$60,565$969$1,112$64,199$72,7570% APR
Hybrid TRD Off-Road Premium HV 4WD$60,565$969$1,112$64,199$72,7570% APR
I Force Max TRD Off-Road Premium$60,565$969$1,112$64,199$72,7570% APR
Hybrid Limited 4WD$62,995$1,008$1,158$66,775$75,7710% APR
Hybrid Limited HV AWD$62,995$1,008$1,158$66,775$75,7710% APR
I Force Max Limited$62,995$1,008$1,158$66,775$75,7710% APR
Hybrid Platinum 4WD$65,655$1,050$1,208$69,594$79,0710% APR
Hybrid Platinum HV AWD$65,655$1,050$1,208$69,594$79,0710% APR
I Force Max Platinum$65,655$1,050$1,208$69,594$79,0710% APR
Hybrid Trailhunter 4WD$69,695$1,115$1,285$73,877$84,0830% APR
Hybrid Trailhunter HV 4WD$69,695$1,115$1,285$73,877$84,0830% APR
I Force Max Trailhunter$69,695$1,115$1,285$73,877$84,0830% APR
Hybrid TRD Pro 4WD$69,895$1,118$1,289$74,089$84,3310% APR
Hybrid TRD Pro HV 4WD$69,895$1,118$1,289$74,089$84,3310% APR
I Force Max TRD Pro$69,895$1,118$1,289$74,089$84,3310% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked