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Toyota RAV4 Loan Calculator

Our Loan Calculator display shows you how your Toyota RAV4 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 RAV4 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 RAV4 Loan Calculator

Vehicle Price
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Trade-In / Down Payment
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Interest Rate
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Credit Score
Loan Period
Sales Tax Rate
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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 RAV4 Projected Resale Value vs Loan Balance

Year Resale Value Loan Balance Difference
0 $35,135 $28,108 +$7,027 (20%)
1 $30,683 $23,960 +$6,723 (22%)
2 $29,865 $19,611 +$10,254 (34%)
3 $29,162 $15,051 +$14,111 (48%)
4 $28,459 $10,269 +$18,190 (64%)
5 $27,757 $5,255 +$22,502 (81%)
6 $27,054 $0 +$27,054 (100%)

Toyota RAV4 Monthly Payment

Loan Term 72 Months
APR 4.75%
Paid in Full Jul, 2030
$449.43
Total Principal $28,108
Total Interest $4,249
Total Cost of Loan $32,357
$449.43
Loan Term 72 Months
APR 4.75%
Paid in Full Jul, 2030
Total Principal $28,108
Total Interest $4,249
Total Cost of Loan $32,357

Toyota RAV4 Loan Amortization

Month Interest Principal Balance
Aug, 2024 $111.26 $338.00 $27,770.00
Sep, 2024 $109.92 $340.00 $27,430.00
Oct, 2024 $108.58 $341.00 $27,089.00
Nov, 2024 $107.23 $342.00 $26,747.00
Dec, 2024 $105.87 $344.00 $26,403.00
Jan, 2025 $104.51 $345.00 $26,058.00

This Toyota RAV4 is expected to lose $8,081 of its resale value during the 72 months of this loan. Check out our Toyota RAV4 Depreciation Calculator for a detailed analysis of the RAV4's past and expected future depreciation. This user-friendly tool allows you to interactively see how well the RAV4 has, and will continue to, hold its value, during your specific ownership period. It will even suggest to you the best RAV4 model years to buy to get the best value.

Other Toyota RAV4 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 RAV4 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:

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