2022 Toyota Camry Prices

Rates and payment breakdown for leasing, finance or cash

The new Toyota Camry for 2022 is far from typical. It’s available with FWD and AWD as well, and it has two engine alternatives.

The touchscreen display allows you to use Apple CarPlay and Android Auto, so no matter what gadget we have on hand, you can listen to your favourite music and podcasts as well.

Compare the trims and features to our 2022 Toyota Camry Trim Levels Guide before you buy.

Finance has many alternatives to fit your specific requirements, as demonstrated by the number of choices available. Look at the costs and projected pricing below to see which one is appropriate for you.

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

For people who want an efficient pickup truck with a strong engine, the Toyota Tacoma is ideal. The preceding table displays the financing options and prices for you, so have a look!

Camry PricingBase FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
MSRP Price$27,750$29,290$29,890$31,550$31,690$32,530$34,330$35,890$36,730$37,040$37,690$41,390
Estimated All-in Price*$33,928$35,653$36,325$38,184$38,341$39,282$41,298$43,045$43,986$44,333$45,061$49,205
Finance ratesBase FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
3 year term2.99%2.99%2.99%2.99%2.99%2.99%2.99%2.99%2.99%2.99%2.99%2.99%
4 year term3.49%3.49%3.49%3.49%3.49%3.49%3.49%3.49%3.49%3.49%3.49%3.49%
5 year term3.69%3.69%3.69%3.69%3.69%3.69%3.69%3.69%3.69%3.69%3.69%3.69%
6 year term3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%
7 year term3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%3.79%
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
3 year finance w/ $0 down (monthly)$987$1,037$1,056$1,110$1,115$1,142$1,201$1,252$1,279$1,289$1,310$1,431
Payment reduction (per $1k downpayment)$29.1$29.1$29.1$29.1$29.1$29.1$29.1$29.1$29.1$29.1$29.1$29.1
Cost of borrowing (Annual)$529$556$566$595$598$612$644$671$686$691$702$767
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
4 year finance w/ $0 down (monthly)$758$797$812$853$857$878$923$962$983$991$1,007$1,100
Payment reduction (per $1k downpayment)$22.4$22.4$22.3$22.4$22.4$22.4$22.4$22.4$22.4$22.4$22.4$22.3
Cost of borrowing (Annual)$618$650$662$696$699$716$752$784$801$808$821$896
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
5 year finance w/ $0 down (monthly)$620$652$664$698$701$718$755$787$804$810$824$899
Payment reduction (per $1k downpayment)$18.3$18.3$18.3$18.3$18.3$18.3$18.3$18.3$18.3$18.3$18.3$18.3
Cost of borrowing (Annual)$656$689$702$738$741$759$798$832$850$857$871$951
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
6 year finance w/ $0 down (monthly)$528$554$565$594$596$611$642$669$684$689$701$765
Payment reduction (per $1k downpayment)$15.6$15.6$15.6$15.6$15.6$15.6$15.6$15.6$15.6$15.6$15.6$15.6
Cost of borrowing (Annual)$676$711$724$761$764$783$823$858$877$884$898$981
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
7 year finance w/ $0 down (monthly)$460$484$493$518$520$533$561$584$597$602$612$668
Payment reduction (per $1k downpayment)$13.6$13.6$13.6$13.6$13.6$13.6$13.6$13.6$13.6$13.6$13.6$13.6
Cost of borrowing (Annual)$679$713$727$764$767$786$826$861$880$887$902$985

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 Tacoma is a tough truck with excellent driving performance. Use this table to discover and compare lease rates for the Toyota Tacoma.

Camry Lease ratesBase FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
2 year term4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%
3 year term4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%4.99%
4 year term5.49%5.49%5.49%5.49%5.49%5.49%5.49%5.49%5.49%5.49%5.49%5.49%
5 year term5.69%5.69%5.69%5.69%5.69%5.69%5.69%5.69%5.69%5.69%5.69%5.69%
Security Deposit (Max amount)$5,500$5,500$5,500$5,500$5,500$5,500$5,500$5,500$5,500$5,500$5,500$5,500
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
2 year lease w/ $0 down (monthly)$759$794$768$846$793$854$879$961$931$987$986$1,125
Payment reduction (per $1k downpayment)$48.9$48.9$48.9$48.9$48.9$48.9$48.9$48.9$48.9$48.9$48.9$48.9
Cost of borrowing (Annual)$1,313$1,381$1,433$1,481$1,523$1,533$1,622$1,661$1,729$23,878$24,281$26,480
Lease end buyout value$16,373$17,281$18,532$18,615$19,965$19,518$20,941$20,816$22,405$21,483$22,237$23,178
Savings w/ Security Deposit Added (full term)$776$817$848$876$901$908$962$985$1,026$1,015$1,175$1,116
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
3 year lease w/ $0 down (monthly)$583$610$595$650$617$659$680$738$722$759$760$862
Payment reduction (per $1k downpayment)$33.4$33.4$33.4$33.4$33.4$33.4$33.4$33.4$33.4$33.4$33.4$33.4
Cost of borrowing (Annual)$1,276$1,341$1,392$1,438$1,480$1,489$1,576$1,614$1,681$16,441$16,722$18,227
Lease end buyout value$14,985$15,817$17,037$17,037$18,380$17,892$19,225$19,022$20,569$19,631$20,353$21,109
Savings w/ Security Deposit Added (full term)$1,139$1,199$1,245$1,287$1,323$1,333$1,411$1,446$1,506$1,490$1,203$1,637
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
4 year lease w/ $0 down (monthly)$515$540$531$576$552$585$607$654$644$672$675$761
Payment reduction (per $1k downpayment)$25.9$25.9$25.9$25.9$25.9$25.9$25.9$25.9$25.9$25.9$25.9$25.9
Cost of borrowing (Annual)$1,347$1,417$1,471$1,519$1,564$1,574$1,666$1,705$1,776$12,840$13,063$14,228
Lease end buyout value$13,043$13,766$14,945$14,829$16,162$15,614$16,822$16,509$17,998$17,038$17,714$18,212
Savings w/ Security Deposit Added (full term)$1,470$1,547$1,606$1,659$1,706$1,718$1,819$1,864$1,941$1,921$1,244$2,109
Base FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
5 year lease w/ $0 down (monthly)$479$503$497$537$519$547$568$609$604$627$631$707
Payment reduction (per $1k downpayment)$21.4$21.4$21.4$21.4$21.4$21.4$21.4$21.4$21.4$21.4$21.4$21.4
Cost of borrowing (Annual)$1,325$1,393$1,448$1,494$1,539$1,547$1,638$1,675$1,746$10,592$10,778$11,733
Lease end buyout value$10,545$11,130$12,255$11,989$13,310$12,687$13,732$13,279$14,692$13,705$14,322$14,487
Savings w/ Security Deposit Added (full term)$1,757$1,848$1,919$1,982$2,040$2,053$2,174$2,224$2,317$2,291$1,283$2,515
Monthly w/ security depositBase FWDLE FWDSE FWDLE Upgrade FWDSE AWDSE Upgrade FWDSE Upgrade AWDXSE FWDNightshade AWDTRD V6 FWDXSE AWDXSE V6 FWD
2 years$727$760$733$809$755$816$839$920$889$945$937$1,079
3 years$551$577$560$615$580$622$641$698$680$718$727$817
4 years$484$507$497$542$516$549$569$615$604$632$649$717
5 years$450$472$465$504$485$513$532$572$566$589$609$665
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 you will end up SAVING for the entire term 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:

Share This:

Leave a Reply