2022 Toyota 4Runner Prices

Rates and payment breakdown for leasing, finance or cash

With its standard four-wheel drive, off-road suspension and high ground clearance, the 2022 Toyota 4Runner perfect for tackling tough terrain on both paved and unpaved roads. And when you’re ready to take it out of town, there are plenty of options inside with seating for five (or seven in some model)!

The 4Runner has a lot of interesting features at different trim levels. Before you buy, compare the trims and features to our 2022 Toyota 4Runner Trim Levels Guide.

Finance provides a range of financing and leasing choices to fit your unique needs. To determine which one is ideal for you, look at the prices and expected pricing below.

Please note the following about the payment and pricing on this page before you continue:

  • This table includes a document fee of $598 plus tax, which is not included on Toyota’s website. Actual pricing may vary depending on the dealer’s fees and costs. For reference, BC-based taxes have been added.
  • Pricing information is collected from the Toyota Canada website for the time period displayed at the bottom of the table. Rates and pricing is for reference purposes and pricing or rates may change without notice.
  • Always check with Toyota Canada for the most up-to-date information in the event of a discrepancy.

Please see the guide below for leasing, finance or cash prices for this vehicle.

Cash & Financing Breakdown

The Toyota 4Runner is a fantastic vehicle for those who want an efficient and powerful vehicle. The previous graph shows you all of your financing alternatives and the cost, so have a look!

4Runner PricingTrailSR5TRD SportTRD Off RoadLimitedTRD Pro
MSRP Price$47,250$50,270$53,480$54,670$57,630$65,250
Estimated All-in Price*$55,813$59,196$63,345$65,257$69,227$77,990
Finance ratesTrailSR5TRD SportTRD Off RoadLimitedTRD Pro
3 year term2.99%2.99%2.99%2.99%2.99%2.99%
4 year term3.49%3.49%3.49%3.49%3.49%3.49%
5 year term3.69%3.69%3.69%3.69%3.69%3.69%
6 year term3.79%3.79%3.79%3.79%3.79%3.79%
7 year term3.79%3.79%3.79%3.79%3.79%3.79%
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
3 year finance w/ $0 down (monthly)$1,623$1,721$1,842$1,897$2,013$2,268
Payment reduction (per $1k downpayment)$29.1$29.1$29.1$29.1$29.1$29.1
Cost of borrowing (Annual)$870$923$987$1,017$1,079$1,216
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
4 year finance w/ $0 down (monthly)$1,248$1,323$1,416$1,459$1,547$1,743
Payment reduction (per $1k downpayment)$22.3$22.3$22.3$22.3$22.3$22.4
Cost of borrowing (Annual)$1,017$1,078$1,154$1,189$1,261$1,421
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
5 year finance w/ $0 down (monthly)$1,020$1,082$1,158$1,193$1,265$1,425
Payment reduction (per $1k downpayment)$18.3$18.3$18.3$18.3$18.3$18.3
Cost of borrowing (Annual)$1,079$1,144$1,224$1,261$1,338$1,507
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
6 year finance w/ $0 down (monthly)$868$920$985$1,015$1,076$1,213
Payment reduction (per $1k downpayment)$15.6$15.6$15.6$15.6$15.6$15.6
Cost of borrowing (Annual)$1,112$1,180$1,262$1,301$1,380$1,554
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
7 year finance w/ $0 down (monthly)$758$803$860$886$940$1,059
Payment reduction (per $1k downpayment)$13.6$13.6$13.6$13.6$13.6$13.6
Cost of borrowing (Annual)$1,117$1,185$1,268$1,306$1,385$1,561

How to calculate payment with downpayment included?

The ‘Payment reduction (per $1k downpayment)’ amount is included for this purpose. To give you an example, let’s say you are looking a 5-year lease and the payment is listed in the table like this:

Payment w/ $0 down – $677

Reduction per $1k down – $21.4

This shows you that the payment for 5 years is $677 per month. If you put down a $1,000 deposit, the cost will be reduced by $21.40, resulting in a monthly price of $655.60.

You can simply increase the amount if you want to add more. For example, $5k down payment amounts to $21.40×5, which equals $107. In this case, the monthly payment is $507 with a $5k downpayment on a 5-year lease.

Cost of Borrowing: What is this?

This is how much money you pay based on the stated interest rate. The amount is determined by adding up all of the monthly payments and then adding them to the lease end value with tax included, then subtracting this sum from the all-in full cash total. The monthly leasing cost is typically higher when you opt for a longer lease term or if the lease rate is high.

Leasing Payment Breakdown

The Toyota 4Runner is a tough vehicle capable for any family trip. It doesn’t drive like many of its competitors; instead, it has some zing and personality with its 4-wheel drive ability. This table may be used to compute the amount of your projected monthly payments for this vehicle.

4Runner Lease ratesTrailSR5TRD SportTRD Off RoadLimitedTRD Pro
2 year term5.49%5.49%5.49%5.49%5.49%5.49%
3 year term5.49%5.49%5.49%5.49%5.49%5.49%
4 year term5.59%5.59%5.59%5.59%5.59%5.59%
5 year term5.69%5.69%5.69%5.69%5.69%5.69%
Security Deposit (Max amount)$7,500$7,500$7,500$7,500$7,500$7,500
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
2 year lease w/ $0 down (monthly)$1,015$1,072$1,166$1,200$1,295$1,577
Payment reduction (per $1k downpayment)$49.2$49.2$49.6$50.0$50.5$50.6
Cost of borrowing (Annual)$2,535$2,691$2,686$2,587$2,545$2,946
Lease end buyout value$32,603$34,686$36,366$37,176$38,612$41,108
Savings w/ Security Deposit Added (full term)$1,372$1,457$1,552$1,599$1,688$1,861
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
3 year lease w/ $0 down (monthly)$829$876$950$978$1,052$1,265
Payment reduction (per $1k downpayment)$33.7$33.7$34.0$34.3$34.6$34.7
Cost of borrowing (Annual)$2,453$2,603$2,663$2,635$2,669$3,072
Lease end buyout value$29,768$31,670$33,158$33,895$35,154$37,193
Savings w/ Security Deposit Added (full term)$2,001$2,124$2,263$2,332$2,462$2,714
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
4 year lease w/ $0 down (monthly)$746$789$854$879$943$1,119
Payment reduction (per $1k downpayment)$26.0$26.0$26.2$26.4$26.7$26.7
Cost of borrowing (Annual)$2,402$2,550$2,642$2,650$2,722$3,064
Lease end buyout value$26,460$28,151$29,414$30,069$31,120$32,625
Savings w/ Security Deposit Added (full term)$2,579$2,736$2,915$3,004$3,170$3,493
TrailSR5TRD SportTRD Off RoadLimitedTRD Pro
5 year lease w/ $0 down (monthly)$686$727$785$808$866$1,016
Payment reduction (per $1k downpayment)$21.4$21.4$21.6$21.8$22.0$21.9
Cost of borrowing (Annual)$2,366$2,511$2,621$2,649$2,743$3,025
Lease end buyout value$23,625$25,135$26,205$26,788$27,662$28,710
Savings w/ Security Deposit Added (full term)$3,134$3,326$3,541$3,650$3,852$4,241
How to calculate payment with downpayment included?

The ‘Payment reduction (per $1k downpayment)’ amount is included for this purpose. To give you an example, let’s say you are looking a 5-year lease and the payment is listed in the table like this:

Payment w/ $0 down – $677

Reduction per $1k down – $21.4

This shows you that the payment for 5 years is $677 per month. If you put down a $1,000 deposit, the cost will be reduced by $21.40, resulting in a monthly price of $655.60.

You can simply increase the amount if you want to add more. For example, $5k down payment amounts to $21.40×5, which equals $107. In this case, the monthly payment is $507 with a $5k downpayment on a 5-year lease.

Lease end value: What is this?

You have the option to purchase out the vehicle at the end of your lease. To gain complete ownership of the car, you must pay the ‘lease end value’ to take ownership of it. Remember that this amount is taxable and that dealerships may charge additional fees to execute this procedure.

Security Deposit: What is this?

To lower the interest rate, you may add a Security Deposit when you lease a car. Doing so, the interest rate will be reduced by up to 1.5%. You can see the total accumulated amount of money you will end up SAVING when a security deposit is added with the lease.

The maximum amount stipulated in the table can be adjusted to be less, but providing a lesser amount will affect the rate reduction. The deposit is, in the end, simply a deposit, and the full amount of money is returned to you at the conclusion of your lease term.

Cost of Borrowing: What is this?

This is how much money you pay based on the stated interest rate. The amount is determined by adding up all of the monthly payments and then adding them to the lease end value with tax included, then subtracting this sum from the all-in full cash total. The monthly leasing cost is typically higher when you opt for a longer lease term or if the lease rate is high.

See our breakdown of the trims and features on this:

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