If you’re shopping for a 2025 Toyota RAV4, one of the biggest decisions you’ll face is whether to lease or finance. Both options have advantages, and the right choice depends on your budget, driving habits, and long-term plans.

The AutoCompanion Car Lease & Finance Calculator makes this decision much easier by showing you penny-perfect payments and true out-the-door pricing for both leasing and financing.

Example 1: Leasing a Toyota RAV4

Vehicle: 2025 Toyota RAV4 XLE
MSRP: $34,000
Lease Terms: 36 months, 10,000 miles per year

• MSRP: $34,000

• Dealer Discount: -$2,000

• Net Cap Cost: $32,000

• Residual Value: 61% ($20,740)

• Money Factor: 0.00175 (~4.2% APR equivalent)

• Acquisition Fee: $650

• Taxes & Fees (Los Angeles, 9.5%): $1,300

👉 Monthly Payment: ~$389
👉 Due at Signing (DAS / Out-the-Door Upfront): ~$2,995

How the Calculator Helps:
With the AutoCompanion Calculator, you can see exactly how the residual value, money factor, incentives, taxes, and fees combine to create your $389/month lease. You can also adjust mileage or upfront cash to instantly see how payments change.

Example 2: Financing a Toyota RAV4

Vehicle: 2025 Toyota RAV4 XLE
MSRP: $34,000
Loan Terms: 60 months, 5.99% APR

• MSRP: $34,000

• Dealer Discount: -$2,000

• Sales Price: $32,000

• APR: 5.99%

• Loan Term: 60 months

• Taxes & Fees (Los Angeles): $3,690

👉 Out-the-Door Price: ~$35,690
👉 Monthly Payment: ~$616

How the Calculator Helps:
Instead of just giving you a generic “$616/mo” number, the calculator shows your true out-the-door price (sales price + taxes + DMV fees). This means you can budget realistically without worrying about hidden costs.

Lease vs Finance: Side-by-Side Comparison

How the Calculator Helps:
The AutoCompanion Calculator lets you see this comparison in real time. Instead of crunching numbers manually, you can run both a lease and finance scenario for the same vehicle—and instantly understand which option works best for your lifestyle.

Which Option is Better for You?

• Leasing makes sense if you want lower monthly payments, like driving a new car every few years, and don’t exceed mileage limits.

• Financing is better if you plan to keep the car long-term, want to build equity, and prefer unlimited mileage.

How the Calculator Helps:
Everyone’s situation is different. The calculator gives you the flexibility to customize scenarios—adjusting mileage, loan terms, down payments, or incentives—so you can see exactly how each choice affects your monthly payment and out-the-door total.

Final Thoughts

Deciding between leasing and financing a 2025 Toyota RAV4 doesn’t have to be complicated. The AutoCompanion Lease & Finance Calculator makes it easy by:

• Showing true out-the-door pricing for lease, finance, and cash.

• Breaking down MSRP, discounts, rebates, taxes, and fees so nothing is hidden.

• Allowing you to compare scenarios instantly side by side.

Whether you’re considering a $389/month lease or a $616/month loan, the calculator ensures the payment you see is the payment you’ll pay—giving you confidence and clarity before you step into the dealership.