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.
Refinancing an Auto Loan
Refinancing an auto loan means taking out a new loan to replace your current one, usually to get a lower interest rate or better terms. This can lower your monthly payments or save you money on interest over time. It's a good option if your credit score has improved or if interest rates have gone down, but it's important to make sure the benefits outweigh the costs. Use the form below to see the best rates available from reputable lenders instantly.
Toyota 4Runner Projected Resale Value vs Loan Balance
| Year | Resale Value | Loan Balance | Difference |
|---|---|---|---|
| 0 | $51,479 | $41,183 | +$10,296 (20%) |
| 1 | $40,890 | $35,457 | +$5,433 (13%) |
| 2 | $37,096 | $29,319 | +$7,777 (21%) |
| 3 | $36,926 | $22,738 | +$14,188 (38%) |
| 4 | $34,156 | $15,681 | +$18,475 (54%) |
| 5 | $31,593 | $8,114 | +$23,479 (74%) |
| 6 | $29,225 | $0 | +$29,225 (100%) |
Toyota 4Runner Monthly Payment
| Loan Term | 72 Months |
| APR | 6.99% |
| Paid in Full | Jan, 2031 |
| Total Principal | $41,183 |
| Total Interest | $9,357 |
| Total Cost of Loan | $50,540 |
| Loan Term | 72 Months |
| APR | 6.99% |
| Paid in Full | Jan, 2031 |
| Total Principal | $41,183 |
| Total Interest | $9,357 |
| Total Cost of Loan | $50,540 |
Toyota 4Runner Loan Amortization
| Month | Interest | Principal | Balance |
|---|---|---|---|
| Feb, 2025 | $239.89 | $462.00 | $40,721.00 |
| Mar, 2025 | $237.20 | $465.00 | $40,256.00 |
| Apr, 2025 | $234.49 | $467.00 | $39,789.00 |
| May, 2025 | $231.77 | $470.00 | $39,319.00 |
| Jun, 2025 | $229.03 | $473.00 | $38,846.00 |
| Jul, 2025 | $226.28 | $476.00 | $38,370.00 |
This Toyota 4Runner is expected to lose $22,254 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:
Toyota 4Runners For Sale
2019 Toyota 4Runner SR5
$30,997
2024 Toyota 4Runner TRD Pro
$58,928
2006 Toyota 4Runner Sport
$9,000
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