Uncover the True Cost of Owning the 2025 Toyota 4Runner: It’s Not Just About the Starting Price

Toyota’s 2025 4Runner: A New Platform and Powertrain, but High Interest Rates to Match

For the first time in 15 years, Toyota is introducing a truly new 4Runner. While there have been minor facelifts and updates over the past decade, the 2025 model year brings a fresh platform and powertrain options. With a base price of $42,220, you’d expect a price increase, and in some ways, it’s not as extreme as you might think. However, Toyota’s in-house credit service is offering super-high APRs starting at 9%, making it difficult for buyers to finance through the brand.

According to CarsDirect, Toyota’s financing options are punishingly high, with even excellent credit scores (720+) only getting a 9.02% interest rate for 60-month loan terms, rising to 9.41% for 72-month terms. This means a 2025 Toyota 4Runner SR5 with a gas-only powertrain and two-wheel drive will cost a staggering $55,000+ over six years.

What’s Behind the High Interest Rates?

Why is Toyota’s financing so unappealing? It’s not just the 4Runner; this trend applies to other new vehicles, including the Land Cruiser. Toyota’s in-house credit service is offering nearly identical financing terms for the Land Cruiser, with 9% APR for 60-month loan terms and 9.41% for 72-month terms.

The Tacoma Effect

Interestingly, the Tacoma, Toyota’s mid-size pickup truck, which shares a platform with the 4Runner, has more attractive financing options. A Tacoma with the same MSRP as a 4Runner would cost about $5,300 less by the end of the loan term, thanks to a more reasonable 5.99% APR.

The Bottom Line

The high interest rates for the 2025 Toyota 4Runner and Land Cruiser make alternative financing options a more attractive choice. If you’re planning to buy one of these vehicles, be prepared to shop around for better deals or consider other lenders.

Got a Tip or Question?

Reach out to the author: caleb@thedrive.com