---
title: "The 2025 Toyota 4Runner’s MSRP Doesn’t Tell the Whole Story"
date: "2025-01-31"
modified: "2025-01-31"
authors:
  - name: "Caleb Jacobs"
    job_title: "Senior Editor"
    link: "https://www.thedrive.com/authors/caleb-jacobs"
url: "https://www.thedrive.com/news/the-2025-toyota-4runners-msrp-doesnt-tell-the-whole-story"
categories:
  - "Car Buying"
  - "News"
  - "News by Brand"
  - "Toyota News"
tags:
  - "4runner"
  - "Off-Road"
  - "suv/crossover"
  - "Toyota"
---

# The 2025 Toyota 4Runner’s MSRP Doesn’t Tell the Whole Story

![2025 Toyota 4Runner](<https://www.thedrive.com/wp-content/uploads/2025/01/4Runner-Financing-Hero-1.jpg>)
*\<em\>Caleb Jacobs\</em\>*

For the first time in 15 years, [Toyota](<https://www.thedrive.com/category/toyota-news>) is selling [a truly new 4Runner](<https://www.thedrive.com/car-reviews/2025-toyota-4runner-first-drive-review>). Sure, there have been minor facelifts and updates over the past decade, but the SUV is now on a new platform with fresh powertrain choices and everything for the 2025 model year. You'd expect that to come with a price increase, and in some ways, it's not as extreme as you might think: the base price has gone up just $870 to $42,220. But if you want to pay anywhere close to that, you'll either have to bring cash or finance it elsewhere, because Toyota's in-house credit service is only offering super-high APRs starting at 9%.

This was first pointed out by *[CarsDirect](<https://www.carsdirect.com/deals-articles/2025-toyota-4runner-debuts-with-9-interest-rate>)*, and a quick peek at [Toyota's payment estimator](<https://www.toyota.com/payment-estimator/>) confirms it. Even with an 720+ credit score, which Toyota considers "excellent," it will only quote you at a 9.02% interest rate for 60 months. Extend that out to 72 months and the APR climbs to 9.41%. That means for a 2025 Toyota 4Runner SR5 with the gas-only powertrain and two-wheel drive, you'll pay a little more than $55,000 over six years.

![](<https://www.thedrive.com/wp-content/uploads/2025/01/4Runner-Financing-Inline-1.jpg>)

Now, it's not like the 4Runner is the only new vehicle without stellar financing options. Nobody can expect a hotly anticipated model to hit showrooms with major rebates or 1.9% APR. But this feels especially high considering you can get [a Tacoma](<https://www.thedrive.com/car-reviews/2024-toyota-tacoma-first-drive-review-specs-price-options-impressions>)—which is essentially a 4Runner with a bed anymore—with a 5.99% APR. That discrepancy means a Tacoma with an identical MSRP to a 4Runner would cost about $5,300 less by the time the loan term ends.

I thought this might give someone [a justifiable reason to buy a Land Cruiser](<https://www.thedrive.com/car-reviews/2024-toyota-land-cruiser-review>) over the new 4Runner, but upon further inspection, I found the story there is the same. Toyota's financing options for the Land Cruiser are identical to its sister model's on both 60- and 72-month loan terms. Again, if you're one of the vast majority who can't pay cash for a $40,000+ vehicle upfront, you might be better off checking with other lenders.

![](<https://www.thedrive.com/wp-content/uploads/2025/01/Land-Cruiser-Financing-Inline-1.jpg>)

The price of borrowing money is real darn high.

*Got a tip or question for the author? Contact them directly: caleb@thedrive.com*

## Author
Caleb Jacobs is The Drive’s senior editor. When he’s not searching for stories or poring over copy, he’s usually driving his dump truck or wishing it was running so he could drive it. He was born and raised in the Missouri Ozarks, and he lives there today with his family.

### Author social links  
[LinkedIn](<https://www.linkedin.com/in/caleb-jacobs-319323119>)  
[Instagram](<https://instagram.com/calebjwords>)  
[Twitter](<https://twitter.com/calebjacobs0611>)