Toyota RAV4 car loans

The Toyota RAV4 is very popular with Aussie buyers right now. Here's everything you need to know about this stylish, compact SUV, as well as how to get a Toyota RAV4 car loan.

Toyota RAV4 SUV: Specs and pricing

Toyota produces four versions of the RAV4 for the Australian market. The trim grades are GX, GXL, Cruiser and Edge. There are a few different engine and transmission combinations.

The starting drive-away price for a GX 2WD entry model is $37,105, in NSW postcode 2000.

Toyota RAV4 GX

Toyota's drive-away price for the entry-level GX RAV4 starts at $37,105 when built as a 2WD with the 2.0-litre petrol engine and manual gearbox. For a 2WD hybrid RAV4, Toyota asks a drive-away cost of $41,776. You can only have the hybrid with an automatic CVT. An AWD hybrid GX is also on sale from $44,866.

Here are some of the standout features of the GX RAV4:

• 17-inch alloy wheels
• Auto-levelling, parabolic LED headlamps
• LED daytime running lights (DRLs) and rear combination lamps
• Halogen front fog lamps
• Power-adjustable side mirrors, with heaters and power-folding
• Electronic parking brake
• 8-inch infotainment screen with Apple CarPlay and Android Auto
• Six speakers
• USB input
• 4.2-inch multi-information display
• Digital radio
• Steering wheel mounted controls for audio, MID and telephone
• Satellite navigation with SUNA live traffic updates
• Smart start system (hybrid only)
• Automatic dual-zone climate control (hybrid only)
• LED projector headlamps (hybrid only)

Safety features include the following:

• Blind spot monitor
• Rear cross-traffic alert
• Reversing camera with static guidelines
• All-round parking sensors
• Toyota Safety Sense:
  • Lane departure alert
  • Lane trace assist (auto CVT only)
  • Pre-collision safety system with pedestrian and cyclist (daytime) detection
  • Road sign assist
  • Automatic high beam
  • Active cruise control (all-speeds on auto CVT, high-speed on manual)
• Hill start assist
• Automatic headlights (light-sensitive)
• Rain-sensing wipers

Toyota RAV4 GXL

Upgrading to the GXL will mean you need to spend from $42,133. A hybrid 2.5-litre 2WD is priced from $44,708, while an AWD hybrid has a price of $47,808.

In addition to the GX spec, you also benefit from the following:

• Automatic CVT on all models
• 18-inch alloy wheels
• Rear and rear-side window privacy glass
• Roof rails
• Premium steering wheel/gear lever
• Auto dual-zone climate control
• Premium embossed cloth seats
• Wireless phone charger – Qi-supported devices
• Smart entry and start system
• Four extra USB ports (total of three in front, two in rear)
• Premium bumper and grille

Safety extras include the following:

• Reversing camera with a back guide monitor
• Auto-dimming rear-view mirror

Toyota RAV4 Cruiser

You'll find the Cruiser starts at a drive-away cost of $45,738. You can think of this model as the top of the line "ordinary" RAV4. An AWD Hybrid Cruiser with an automatic CVT transmission costs $51,483 driveaway.

Adding to the GXL spec, you'll also receive the following:

• 18-inch gloss black alloy wheels (hybrid)/19-inch alloys on petrol
• Tilting and sliding moonroof
• Power tailgate
• Leather accentuated interior
• Ten-way power-adjustable driver's seat (with power lumbar support adjustment) and two-position memory
• Heated front seats
• 7-inch multi-information display
• Nine-speaker premium audio system from JBL
• Chrome exterior door handles
• Ambient cabin lighting

Safety-wise, you also unlock the following:

• Panoramic view monitor

Toyota RAV4 Edge

The Edge ups the RAV4's off-road capabilities, making it a more adventure-ready SUV. There's no hybrid option, though the 2.0-litre petrol is substituted with a larger 2.5-litre petrol. Underscoring its rough terrain inclination is an AWD and 8-speed automatic transmission. The drive-away cost of an Edge RAV4 starts from $53,478.

Improving on the GXL spec RAV4 models, the Edge also benefits from the following:

• 19-inch alloys
• Power tailgate
• Ten-way power-adjustable driver's seat with electric lumbar support adjustment
• Tilt and slide moonroof
• SofTex seat upholstery – hard-wearing, synthetic leather
• Heated and ventilated front seats with three settings
• 7-inch multi-information display
• 9-speaker premium audio by JBL
• Ambient cabin lighting
• Rear torque vectoring diff
• Off-road dial selection, with drive modes
• Edge bumper, wheel-arch mouldings, grille and fog lamp surrounds

Additional safety assists include the following:

• Panoramic view monitor
• Downhill assist control

A panoramic tilt and slide moonroof is optionally available.

Why buy a RAV4?

Here are the major selling points of the RAV4:

• Hybrid option
• Affordable
• Running/servicing costs
• Spacious interior
• Build quality
• Long list of safety features
• Fuel economy
• Practical
• Cushy ride
• Good handler

How to compare car loans for the Toyota RAV4

Car finance can look confusing and there are several different ways of funding your purchase.

Here, we will concentrate on two different types of car loans: secured and unsecured.

Secured car loans

Because a secured car loan takes the vehicle you purchase as a registered piece of collateral, the interest rates tend to be more favourable. That's because to a lender, the entry they lodge with the Personal Property Security Register (PPSR) helps reduce the risk to them since they can recover the vehicle if you stop repaying the car loan.

Consequently, they offer lower interest rates and typically accept loans of higher values. Secured loans also come with some downsides:

• There are more conditions the vehicle you buy must meet, including maximum age
• You're restricted to using the borrowed money for the car purchase only – not for related or unrelated costs

Unsecured car loan

An alternative to a secured car loan is an unsecured loan. No security is taken on the loan, so there are fewer restrictions placed on the type and age of vehicle you buy. You're also able to spend money on associated or miscellaneous costs on your car purchase.

There are downsides though. Without the collateral on the loan, the finance company is taking on greater risk. As a result, they increase interest rates, which means you'll pay more throughout an unsecured car loan agreement vs an identical secured alternative. There's also more exacting application criteria and you won't be able to borrow as much.

When calculating your budget, don't forget to include things like monthly fees, application/processing charges and the rate of interest. This will give you the true cost of your car loan.

How to compare car loans with Finder

Using our tool couldn't be simpler. Decide how much you need to borrow, set the length of time you wish to repay the loan over and smash that calculate button.

If you can't afford the monthly repayments, try extending out the loan term. This helps spread out the cost and can reduce your outgoings on a month-to-month basis massively. However, you will pay out more in interest, so bear that in mind.

Car loan jargon and terms got your head spinning? Read our simple guide to car loans. You'll learn about the different types of car finance, learn how to speak the terminology and understand the application process.

Toyota RAV4 Car Loans Comparison

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
OurMoneyMarket New Car Loan Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
Simplify New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
loans.com.au - New - Variable Rate Special Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.74%	Comp. Rate (p.a.) 7.36% to 8.85%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	Go to siteMore Info Compare
Credit Concierge New Car Loan Fixed1 - 7 Years $10,000 - $100,000	Interest Rate (p.a.) 6.29% to 16.45%	Comp. Rate (p.a.) 7.41% to 17.91%	Application Fee $553	Monthly Fee $10	Monthly Repayment $637.97	Go to siteMore Info Compare
Simplify Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
OurMoneyMarket Used Car Loan - No Vehicle Age Limit Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.
loans.com.au - Variable Rate Used Car < 5 years Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.74% to 7.74%	Comp. Rate (p.a.) 8.85% to 8.99%	Application Fee $400	Monthly Fee $8	Monthly Repayment $644.82	Go to siteMore Info Compare
RACV New Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.29% to 16.99%	Comp. Rate (p.a.) 8% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $635.67	Go to siteMore Info Compare	You'll receive a fixed rate from 7.29% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
Credit Concierge Used Car Loan Fixed1 - 7 Years $10,000 - $1,000,000	Interest Rate (p.a.) 6.8% to 17.45%	Comp. Rate (p.a.) 7.56% to 18.91%	Application Fee $553	Monthly Fee $10	Monthly Repayment $642.74	Go to siteMore Info Compare
RACV Used Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 8.49% to 16.99%	Comp. Rate (p.a.) 9.21% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $647.01	Go to siteMore Info Compare	You'll receive a fixed rate from 8.49% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.

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Written by

Ben Gribbin

Writer

Ben Gribbin is an automotive writer at Finder. He is a life-long car enthusiast, bringing many years of experience working with and writing about cars. During his time, Ben has been a freelance writer, editor and reviewer for a number of leading publications across the UK. He was voted the Guild of Motoring Writers Breakthrough Blogger in 2015. See full bio