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Toyota 4Runner Loan Calculator

Our Loan Calculator display shows you how your Toyota 4Runner loan balance compares to the ongoing value of your vehicle. With financing, each monthly payment will reduce the balance of your loan. Unfortunately, during this same period, your vehicle's resale value will decline as well. The purpose of this tool is to show you how you can finance your 4Runner to ensure that your loan balance declines faster than the value of your vehicle.

With your results below, the goal is to have the shaded area be entirely green. This likely means that the value of your vehicle will always be greater than your loan balance. If you see yellow or red, your loan balance at some point will be at or above the value of your vehicle. You want to avoid this as we describe here. For the best financial outcome, adjust your loan terms, or choose a vehicle that doesn't depreciate as rapidly. We've also created a video that explains these scenarios and demonstrates the loan calculator.

Toyota 4Runner Loan Calculator

Vehicle Price
Trade-In / Down Payment
Interest Rate
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Loan Period
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Model Year
Expected Annual Mileage
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Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

Toyota 4Runner Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $55,260 $44,208 +$11,052 (20%)
1 $50,264 $37,686 +$12,578 (25%)
2 $49,181 $30,846 +$18,335 (37%)
3 $48,076 $23,674 +$24,402 (51%)
4 $46,971 $16,155 +$30,816 (66%)
5 $44,562 $8,270 +$36,292 (81%)
6 $43,086 $0 +$43,086 (100%)

Toyota 4Runner Monthly Payment

Loan Term 72 Months
APR 4.75%
Paid in Full Feb, 2030
Total Principal $44,208
Total Interest $6,686
Total Cost of Loan $50,894
Loan Term 72 Months
APR 4.75%
Paid in Full Feb, 2030
Total Principal $44,208
Total Interest $6,686
Total Cost of Loan $50,894

Toyota 4Runner Loan Amortization

Month Interest Principal Balance
Mar, 2024 $174.99 $532.00 $43,676.00
Apr, 2024 $172.88 $534.00 $43,142.00
May, 2024 $170.77 $536.00 $42,606.00
Jun, 2024 $168.65 $538.00 $42,068.00
Jul, 2024 $166.52 $540.00 $41,528.00
Aug, 2024 $164.38 $542.00 $40,986.00

This Toyota 4Runner is expected to lose $12,174 of its resale value during the 72 months of this loan. Check out our Toyota 4Runner Depreciation Calculator for a detailed analysis of the 4Runner's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the 4Runner has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best 4Runner model years to buy to get the best value.

Other Toyota 4Runner Costs of Ownership

Finding a car or truck that saves on financing costs is important. But, it's also imperative to view all major Toyota 4Runner costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses:

Used Toyota 4Runners For Sale

2014 Toyota 4Runner Trail

2014 Toyota 4Runner Trail

Mileage: 127,374
Mileage: 127,374     Price: $22,496
Location: Andover, MA ~ 2 miles away
Dealer: Autouse
Days on Market: 595


2015 Toyota 4Runner Limited

2015 Toyota 4Runner Limited

Mileage: 102,350
Mileage: 102,350     Price: $23,900
Location: North Andover, MA ~ 2 miles away
Dealer: Kinsman Auto Sales
Days on Market: 247
Colors (ext/int): RED / Black


2016 Toyota 4Runner Limited

2016 Toyota 4Runner Limited

Mileage: 86,595
Mileage: 86,595     Price: $30,900
Location: Lawrence, MA ~ 5 miles away
Dealer: Mass Motorsport
Days on Market: 116
Colors (ext/int): BLACK / BROWN