Toyota RAV4 car loans

Toyota RAV4: Prices, specs and car loans

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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.

In this guide

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.

EngineTransmissionGrades available on
2.0-litre petrolSix-speed manual or Auto CVT
  • 2WD GX
  • 2WD GX Auto CVT
  • 2WD GXL Auto CVT
  • 2WD Cruiser
2.5-litre petrolEight-speed automatic
  • AWD Edge
2.5-litre hybridAutomatic CVT
  • 2WD/AWD GX
  • 2WD/AWD Cruiser

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

Did you know?

RAV4 is short for Recreational Activity Vehicle (with 4WD). In Japan, Toyota markets the RAV4 as ラヴフォー, or Ravufō, which roughly translates to English as "Love Four".

Toyota RAV4 GX SUV

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 SUV

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 SUV

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.

Want to know more about the RAV4?

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

Understand car loans in ten seconds

Here's what to look for in a car loan offer:

  • Low-interest rates (the lower the rates, the less you'll pay over the course of the loan)
  • No or small application fees
  • No or minimal monthly/annual charges
  • Affordable repayments
  • Option to pay an extra month/payment flexibility

The more criteria a prospective loan meets, the better the deal you're getting.

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.

Borrowing the money over a few extra years can drastically slash the month-to-month costs of your loan. For example, a 3-year car loan for $30,000 as of January 2020 is on average $900 per month. The same money taken over six years works out to nearer $500 a month.

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

Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Wisr Secured Car Loan
From 4.74% (fixed)
3 to 7 years
$195 for refinance and dealer sale ($245 for private sale)
You'll receive a personalised interest rate from 4.74% p.a. to 16.01% p.a. based on your risk profile
A flexible car loan from $5,000 - $63,000 with personalised rates and rewards for strong credit customers.

⭐Special Offer: Wisr's standard establishment fee $605 will be reduced to $195 for applications submitted through Finder. T&Cs apply.
IMB New Car Loan
4.88% (fixed)
1 to 7 years
$275.12 ($250 Application fee + $25.12 PPSR fee)
You'll receive a fixed rate of 4.88% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one that's up to two years old.
Plenti Car Loan
From 4.89% (fixed)
3 to 7 years
from $249 to $799
You'll receive a fixed rate from 4.89% p.a.
Borrow up to $100,000 with a Plenti Car Loan and benefit from no early repayment or exit fees.
Credit Concierge Car Loan
From 2.99% (fixed)
1 to 7 years
You'll receive a fixed rate of 2.99% p.a. with a comparison rate of 4.07% p.a.
Get access to over 20 providers to fund a new or used car.
Alex Bank Car Loan
From 4.99% (fixed)
6 months to 5 years
Waived $295 establishment fee
You'll receive a fixed rate between 4.99% p.a. and 19.99% p.a.
Borrow up to $30,000 for terms between 6 months and 5 years to finance a car. The one-off $295 establishment fee will be waived for loan applications submitted by 3 November 2021. T&Cs apply. - New and Dealer Used Car Loan
3.99% (fixed)
3 to 5 years
You'll receive a fixed rate from 3.99% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment. Settle the loan before 30 November 2021 and enter the draw to win a $1,000 fuel gift voucher. T&Cs apply.
Stratton Finance New Car Loan
From 3.85% (fixed)
3 to 7 years
You'll receive a fixed rate from 3.85% p.a. depending on the lender you are approved with
Apply for up to $250,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
NRMA New Car Loan
From 4.99% (fixed)
1 to 7 years
You'll receive a fixed rate from 4.99% p.a.
Purchase a new or used car up to 3 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
Great Southern Bank Fixed Rate Car Loan
6.79% (fixed)
1 to 7 years
$265 ($175 Establishment Fee + $90 Security Administration Fee)
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
NAB Personal Loan Unsecured Fixed
From 6.99% (fixed)
1 to 7 years
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
Symple Loans Personal Loan
From 5.75% (variable)
1 to 7 years
from 0% to 5% of the loan amount
You'll receive a personalised interest rate from 5.75% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
SocietyOne Car Loan
From 5.95% (fixed)
2 to 5 years
from $0 to $595
You'll receive a fixed rate between 5.95% p.a. and 17.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
OurMoneyMarket Car Loan
From 5.35% (fixed)
1 to 7 years
You'll receive a fixed interest rate from 5.35% p.a. to 14.99% p.a. based on your risk profile.
Borrow between $2,001 and $75,000 to finance a new or used car up to 7 years.
NRMA Used Car Loan
From 6.24% (fixed)
1 to 7 years
You'll receive a fixed rate from 6.24% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.

Compare up to 4 providers

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Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

You'll receive a fixed rate of 4.88% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% 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.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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