2026 Toyota 4Runner monthly payment by trim
Monthly payment, 2026 Toyota 4Runner
$828a month
- SR5 2WD, 60 months, 10% down.
- Needs about $99,400 a year.
10% down. 7.0% APR. 60 months. 6% tax.
| Trim | MSRP + destination | Tax 6% | Financed | 60 months | 72 months | 84 months | Interest, 60 months |
|---|---|---|---|---|---|---|---|
| SR5 2WD | $43,565 | $2,614 | $41,822 | $828 | $713 | $631 | $7,866 |
| SR5 4WD | $45,565 | $2,734 | $43,742 | $866 | $746 | $660 | $8,227 |
| TRD Sport 2WD | $50,045 | $3,003 | $48,043 | $951 | $819 | $725 | $9,036 |
| TRD Off-Road 4WD | $51,985 | $3,119 | $49,906 | $988 | $851 | $753 | $9,386 |
| TRD Sport 4WD | $52,045 | $3,123 | $49,963 | $989 | $852 | $754 | $9,397 |
| Hybrid TRD Off Road 4WD | $54,785 | $3,287 | $52,594 | $1,041 | $897 | $794 | $9,891 |
| Hybrid TRD Off-Road HV 4WD | $54,785 | $3,287 | $52,594 | $1,041 | $897 | $794 | $9,891 |
| I Force Max TRD Off-Road | $54,785 | $3,287 | $52,594 | $1,041 | $897 | $794 | $9,891 |
| TRD Sport Premium 2WD | $55,405 | $3,324 | $53,189 | $1,053 | $907 | $803 | $10,003 |
| TRD Sport Premium 4WD | $57,405 | $3,444 | $55,109 | $1,091 | $940 | $832 | $10,364 |
| TRD Off Road Premium 4WD | $57,765 | $3,466 | $55,454 | $1,098 | $945 | $837 | $10,429 |
| TRD Off-Road Premium 4WD | $57,765 | $3,466 | $55,454 | $1,098 | $945 | $837 | $10,429 |
| Limited 2WD | $58,195 | $3,492 | $55,867 | $1,106 | $952 | $843 | $10,507 |
| Limited 4WD | $60,195 | $3,612 | $57,787 | $1,144 | $985 | $872 | $10,868 |
| Hybrid TRD Off Road Premium 4WD | $60,565 | $3,634 | $58,142 | $1,151 | $991 | $878 | $10,935 |
| Hybrid TRD Off-Road Premium HV 4WD | $60,565 | $3,634 | $58,142 | $1,151 | $991 | $878 | $10,935 |
| I Force Max TRD Off-Road Premium | $60,565 | $3,634 | $58,142 | $1,151 | $991 | $878 | $10,935 |
| Hybrid Limited 4WD | $62,995 | $3,780 | $60,475 | $1,197 | $1,031 | $913 | $11,374 |
| Hybrid Limited HV AWD | $62,995 | $3,780 | $60,475 | $1,197 | $1,031 | $913 | $11,374 |
| I Force Max Limited | $62,995 | $3,780 | $60,475 | $1,197 | $1,031 | $913 | $11,374 |
| Hybrid Platinum 4WD | $65,655 | $3,939 | $63,029 | $1,248 | $1,075 | $951 | $11,854 |
| Hybrid Platinum HV AWD | $65,655 | $3,939 | $63,029 | $1,248 | $1,075 | $951 | $11,854 |
| I Force Max Platinum | $65,655 | $3,939 | $63,029 | $1,248 | $1,075 | $951 | $11,854 |
| Hybrid Trailhunter 4WD | $69,695 | $4,182 | $66,907 | $1,325 | $1,141 | $1,010 | $12,583 |
| Hybrid Trailhunter HV 4WD | $69,695 | $4,182 | $66,907 | $1,325 | $1,141 | $1,010 | $12,583 |
| I Force Max Trailhunter | $69,695 | $4,182 | $66,907 | $1,325 | $1,141 | $1,010 | $12,583 |
| Hybrid TRD Pro 4WD | $69,895 | $4,194 | $67,099 | $1,329 | $1,144 | $1,013 | $12,619 |
| Hybrid TRD Pro HV 4WD | $69,895 | $4,194 | $67,099 | $1,329 | $1,144 | $1,013 | $12,619 |
| I Force Max TRD Pro | $69,895 | $4,194 | $67,099 | $1,329 | $1,144 | $1,013 | $12,619 |
Dashed mark: destination fee of other trims that year.
Salary needed
| Rule | Down | Term | Payment | Salary needed |
|---|---|---|---|---|
| Payment under 10% of gross pay | 10% | 60 months | $828 | $99,400 |
| 20/4/10: 20% down, 4 years, under 10% of pay | 20% | 48 months | $897 | $107,700 |
Both rules use the payment only. Insurance not included.
What this cannot tell you
MSRP. Dealer price, incentives and insurance differ.
Tax and fees vary by state.
- 2 or more sources
- 1 source
- Model-level, rule or estimate
- Sources disagree