Toyota Highlander Loan Calculator

Our Loan Calculator display shows you how your Toyota Highlander 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 Highlander 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.

Toyota Highlander Loan Calculator

Vehicle Price
$
Trade-In / Down Payment
$
Interest Rate
%
Credit Score
Loan Period
Sales Tax Rate
%
Model Year
Expected Annual Mileage
tip: Update the price if you change the model year.      reset this form

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Projected Resale Value
Loan Balance Exceeds Resale Value
Loan Balance Near Resale Value
Loan Balance Below Resale Value

Toyota Highlander Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $37,824 $37,824 $0 (0%)
1 $36,697 $29,334 +$7,363 (20%)
2 $34,078 $20,229 +$13,849 (41%)
3 $31,018 $10,467 +$20,551 (66%)
4 $29,287 $0 +$29,287 (100%)

Toyota Highlander Monthly Payment

Loan Term 48 Months
APR 6.99%
Paid in Full Nov, 2028
$905.57
Total Principal $37,824
Total Interest $5,643
Total Cost of Loan $43,467
$905.57
Loan Term 48 Months
APR 6.99%
Paid in Full Nov, 2028
Total Principal $37,824
Total Interest $5,643
Total Cost of Loan $43,467

Toyota Highlander Loan Amortization

Month Interest Principal Balance
Dec, 2024 $220.32 $685.00 $37,139.00
Jan, 2025 $216.33 $689.00 $36,450.00
Feb, 2025 $212.32 $693.00 $35,757.00
Mar, 2025 $208.28 $697.00 $35,060.00
Apr, 2025 $204.22 $701.00 $34,359.00
May, 2025 $200.14 $705.00 $33,654.00

This Toyota Highlander is expected to lose $8,537 of its resale value during the 48 months of this loan. Check out our Toyota Highlander Depreciation Calculator for a detailed analysis of the Highlander's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the Highlander has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best Highlander model years to buy to get the best value.

Other Toyota Highlander 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 Highlander 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 Highlanders For Sale

2009 Toyota Highlander Limited Hybrid

Mileage: 189,799
Mileage: 189,799     Price: $9,399
Location: Sterling, VA ~ 3 miles away
Dealer: Stohlman Subaru Of Sterling
Days on Market: 184
Colors (ext/int): Black / Ash

$9,399


2022 Toyota Highlander XLE

Mileage: 51,106
Mileage: 51,106     Price: $33,482
Location: Sterling, VA ~ 3 miles away
Dealer: Autonation Honda Dulles
Days on Market: 34
Colors (ext/int): Midnight Black / Black

$33,482


2013 Toyota Highlander Base

Mileage: 144,714
Mileage: 144,714     Price: $10,500
Location: Sterling, VA ~ 3 miles away
Dealer: Safford Brown Cdjr Of Sterling
Days on Market: 311
Colors (ext/int): Green / Sand Beige

$10,500


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