The Toyota RAV4 was Australia’s best-selling SUV in 2025. The current range starts with a hybrid and tops out with a plug-in hybrid, so every RAV4 on the new list is electrified to some degree. New RAV4 prices run from $45,990 to $66,430, and NIK Finance compares car loans across 130+ lenders to find the right one for you.
An estimate is fine. You can change it later.
| Toyota RAV4 | |
|---|---|
| New price (2026 range) | $45,990 to $66,430 |
| Body types | SUV |
| Entry and top variants | Gx (2Wd) Hev to Gr Sport (Awd) Phev |
| 2025 new sales | 51,947 (2nd in Australia) |
| 2026 sales (January to September 2026) | 31,209 (4th) |
Prices are list prices from Carsguide, based on Glass’s pricing data. Drive-away prices are higher once on-road costs such as registration and stamp duty are added.
The amount you borrow sets your repayments, and on a RAV4 it depends mostly on the variant and your deposit. These are the loan amounts before on-road costs, which some lenders let you include in the loan.
| Price point | No deposit | 10% deposit | 20% deposit |
|---|---|---|---|
| Entry price ($45,990) | $46,000 | $41,500 | $37,000 |
| Middle of the range ($56,000) | $56,000 | $50,500 | $45,000 |
| Top of the range ($66,430) | $66,500 | $60,000 | $53,000 |
The RAV4 range spans $20,440 from the entry variant to the top, so the variant you choose moves the loan far more than a small difference in interest rate. Settle on the variant and a realistic drive-away price first, then compare finance. Getting pre-approved before you visit the dealer lets you negotiate as a cash buyer and compare any dealer finance offer on equal terms.
See car loan pre-approval and new car loans.
Lenders finance used cars but limit how old a vehicle can be when the loan ends, so the model year affects the term you can get. Here is what earlier RAV4s sell for, and how old each would be at the end of a 5- or 7-year loan.
| Model year | Used price range | Age at end of a 5-year loan | Age at end of a 7-year loan |
|---|---|---|---|
| 2023 | $30,910 to $60,060 | 8 years | 10 years |
| 2021 | $24,750 to $51,590 | 10 years | 12 years |
| 2018 | $13,420 to $28,270 | 13 years | 15 years |
Used prices are Glass’s pricing data via Carsguide and vary with kilometres, condition and variant. Read more about used car loans.
Set to the entry price of a new RAV4. Adjust the price, deposit, term, rate and balloon to see the repayments for the RAV4 you want. Your actual rate depends on your credit profile and the lender.
$737.24 a month at 7.5% p.a.
Car loan rates range from under 6% to over 20% depending on your credit profile, and dealer finance is rarely the sharpest. Your Kreddi Score shows your approval odds and likely rate before you apply, so a decline never lands on your credit file.
Estimates use average lender assumptions and are not an offer of credit. Your actual position depends on which of our 130+ lenders assesses you.
A new Toyota RAV4 is listed from $45,990 to $66,430 for the 2026 range. With a 10% deposit you would borrow about $41,500 for the entry variant or $60,000 for the top variant, before on-road costs. The repayment calculator on this page shows what that costs each month at the rate you enter.
Yes. A 2023 Toyota RAV4 sells for about $30,910 to $60,060 used. Lenders also consider how old the car will be when the loan ends: a 2023 model would be 10 years old at the end of a 7-year loan, so an older RAV4 may mean a shorter term.
You can lease it, but since 1 April 2025 a plug-in hybrid is no longer exempt from fringe benefits tax, except under narrow conditions for arrangements already in place before that date. That reduces the tax advantage, so compare a novated lease against a car loan on total cost.
The rate depends mainly on your credit profile and the lender, not the drivetrain. Some lenders offer discounted green car loans, and whether a hybrid qualifies depends on that lender’s criteria, so ask your broker to check.
Answer a few quick questions to see how lenders will view you for a RAV4, then get a broker’s call back with real rates. No credit check.
Sources
Last reviewed 18 October 2026
NIK Finance Pty Ltd (ACN 685 393 917) is a Credit Representative (567387) of Finsure Finance & Insurance Pty Ltd (Australian Credit Licence 384704). This page is general information only and does not constitute financial advice. Consider your personal circumstances and speak with a licensed broker before applying for credit.