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0% financing or a rebate on a 2026 Toyota Camry?

Gap in total cost

$2,968

  • 0% wins by $2,968.
  • 0% APR: $474 a month, $31,376 total.
  • Rebate at 7.0%: $523 a month, $34,344 total.
  • The rebate wins below 2.9% APR.
  • LE FWD, $29,600 with destination.
  • Cheaper than 81% of 69 sedans (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$31.4kRebate, 7.0% APR$34.3k
Down payment plus 60 months of payments. Orange: cheaper.
2026 Toyota Camry: both offers by trim, 10% down
TrimPrice0% APR a monthRebate a month0% APR totalRebate totalCheaper
LE FWD$29,600$474$523$31,376$34,3440% APR
LE AWD$31,125$498$552$32,993$36,2360% APR
SE FWD$32,100$514$571$34,026$37,4450% APR
Nightshade FWD$33,100$530$590$35,086$38,6860% APR
SE AWD$33,625$538$600$35,643$39,3370% APR
Nightshade AWD$34,625$554$619$36,703$40,5780% APR
XLE FWD$34,800$557$622$36,888$40,7950% APR
XSE FWD$36,000$576$645$38,160$42,2840% APR
XLE AWD$36,325$581$651$38,505$42,6870% APR
XSE AWD$37,525$600$674$39,777$44,1750% APR

What this cannot tell you

Dealer price and fees differ.

Some states tax the price after the rebate.

How values are checked