Toyota RAV4 Auto Loans | Searcher

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The Toyota RAV4 is very popular with Australian buyers right now. Here’s everything you need to know about this compact and stylish SUV, plus how to get a Toyota RAV4 car loan.

In this guide

Toyota RAV4 SUV: Specifications and Prices

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

2.0 liter gasoline Six-speed manual or automatic CVT
  • 2WD GX
  • 2WD GX automatic CVT
  • 2WD GXL automatic CVT
  • 2-wheel drive cruiser
2.5 liter gasoline Eight-speed automatic
2.5 liter hybrid Automatic CVT
  • 2WD / AWD GX
  • 2WD / AWD GXL
  • 2WD / AWD Cruiser

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

RAV4 is the abbreviation for Recreational Activity Vehicle (with 4WD). In Japan, Toyota markets the RAV4 under the name ラ ヴ フ ォ ー, or Ravufō, which roughly translates into English as “Love Four”.

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

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

  • 17 inch alloy wheels
  • Auto-leveling LED parabolic headlights
  • LED daytime running lights (DRL) and rear combination lights
  • Halogen front fog lights
  • Electrically adjustable exterior mirrors with heating and electric 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 controls for audio, MID and phone
  • Satellite navigation with live SUNA traffic updates
  • Smart start system (hybrid only)
  • Dual-zone automatic climate control (hybrid only)
  • LED floodlights (hybrid only)

Safety features include the following:

  • Blind Spot Monitor
  • Rear cross traffic alert
  • Rear view camera with static directions
  • Versatile parking sensors
  • Toyota Safety Sense:
    • Lane Departure Warning
    • Lane Keeping Assist (Automatic CVT only)
    • Pre-collision safety system with detection of pedestrians and cyclists (daytime)
    • Road sign assistance
    • Automatic high beam
    • Active cruise control (all speeds on automatic CVT, high speed on manual)
  • Hill start aid
  • Automatic headlights (light sensitive)
  • Rain sensing wipers


Upgrading to the GXL means you’ll have to spend $ 42,133. A 2.5-liter hybrid 2WD is offered from $ 44,708, while an AWD hybrid has a price of $ 47,808.

In addition to the GX specification, you also get the following benefits:

  • Automatic CVT on all models
  • 18 inch alloy wheels
  • Privacy glass for rear and rear side windows
  • Roof rails
  • Premium steering wheel / shifter
  • Dual-zone automatic air conditioning
  • Premium waffle cloth seats
  • Wireless Phone Charger – Qi Compatible Devices
  • Smart entry and start system
  • Four additional USB ports (three total on the front, two on the back)
  • Premium bumper and grille

Safety supplements include the following:

  • Reversing camera with rear guidance monitor
  • Auto-dimming rearview mirror

Toyota RAV4 Cruiser SUV

You will find that the Cruiser starts at a cost of $ 45,738. You can think of this model as the top-of-the-line “regular” RAV4. An AWD Hybrid Cruiser with an automatic CVT transmission costs $ 51,483 to go by car.

In addition to the GXL specification, you will also receive the following:

  • 18-inch gloss black alloy wheels (hybrids) 19-inch alloys on petrol
  • Tilt and slide sunroof
  • Electric tailgate
  • Leather accented interior
  • Driver’s seat with 10-way power adjustment (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

From a security perspective, you also unlock the following:

Toyota RAV4 Edge SUV

The Edge enhances the off-road capabilities of the RAV4, making it a more adventure-ready SUV. There is no hybrid option, although the 2.0-liter gasoline is being replaced by a larger 2.5-liter gasoline. Highlighting its inclination of rugged terrain, an all-wheel drive and an 8-speed automatic transmission. The cost of moving an Edge RAV4 starts from $ 53,478.

Upgrading the GXL specification RAV4 models, the Edge also enjoys the following benefits:

  • 19 inch alloys
  • Electric tailgate
  • 10-way power driver’s seat with power lumbar support adjustment
  • Tilt and slide sunroof
  • SofTex seat padding – hard-wearing synthetic leather
  • Three-way heated and ventilated front seats
  • 7-inch multi-information display
  • Premium 9-speaker audio by JBL
  • Ambient cabin lighting
  • Rear torque vector differential
  • Off-road dial selection, with driving modes
  • Bumper trim, wheel arch moldings, grille and fog light surrounds

Additional safety aids are as follows:

  • Panoramic view monitor
  • Hill Descent Assist Control

An optional tilt and slide panoramic sunroof is available.

Want to know more about the RAV4?

Why buy a RAV4?

Here are the main selling points of the RAV4:

  • Hybrid option
  • Affordable
  • Operation / maintenance costs
  • Spacious interior
  • Build quality
  • Long list of security features
  • Fuel economy
  • Practice
  • Cozy stroll
  • Good manager

Understand auto credit in ten seconds

Here’s what to look for in an auto loan offer:

  • Low interest rate (the lower the rates, the less you will pay over the life of the loan)
  • No administration fees or minimal fees
  • No or minimal monthly / annual fees
  • Affordable reimbursements
  • Possibility to pay an additional month / payment flexibility

The more a potential loan meets the criteria, the better the deal you get.

How to compare auto loans for the Toyota RAV4

Auto financing can seem confusing, and there are a number of ways you can finance your purchase.

Here we are going to focus on two different types of auto loans: secured and unsecured.

Guaranteed auto loans

Since a secured auto loan takes the vehicle you buy as registered collateral, interest rates tend to be more beneficial. Indeed, for a lender, the registration that he files in the Personal Property Security Register (PPSR) reduces the risk for him since he can recover the vehicle if you stop repaying the car loan.

Therefore, they offer lower interest rates and generally accept loans of higher values. Secured loans also have some drawbacks:

  • There are more conditions that the vehicle you are purchasing must meet, including the maximum age
  • You are limited to using the borrowed money for the purchase of the car only – not for related or unrelated costs

Unsecured car loan

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

There are downsides however. Without the collateral on the loan, the finance company takes on greater risk. As a result, they raise interest rates which means that you will be paying more throughout an unsecured auto loan deal compared to an identical secured alternative. There are also more demanding application criteria and you will not be able to borrow as much.

When calculating your budget, remember to include things like monthly fees, application / processing fees, and interest rate. This will give you the real cost of your auto credit.

How To Compare Auto Loans With Finder

Using our tool couldn’t be easier. Decide how much you need to borrow, set how long you want to pay off the loan, and override this calculate button.

If you can’t afford the monthly repayments, try extending the term of the loan. This helps spread the costs and can dramatically reduce your spending month-to-month. However, you will be paying more interest, so keep that in mind.

Borrowing money over a few more years can dramatically reduce your monthly loan costs. For example, a car loan over 3 years for $ 30,000 in January 2020 is on average $ 900 per month. The same money taken over six years is getting closer $ 500 per month.

Car loan jargon and terms make your head spin? Read our simple guide to auto loans. You will learn about the different types of auto financing, learn to speak terminology, and understand the application process.

Toyota RAV4 car loan comparison

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