Is the Toyota 4Runner lease a good deal?

Advertised at $379/mo, the Toyota 4Runner truly costs about $490/mo once the $4,378 due at signing is spread across the 36-month term. We grade it B.

What is the real monthly cost of the Toyota 4Runner lease?

About $490 per month, versus the $379 advertised payment.

Toyota 4Runner Lease Deals: $379/mo, True Cost $490/mo (November 2026)

Name: Toyota 4Runner lease
Brand: Toyota
Price: 379 USD
Availability: InStock

Updated November 2026 · Offer source

Advertised$379/mo

Due at signing$4,378

Term36 months

True cost$490/mo

GradeB

Offer endsNovember 30, 2026

vs rivals: Volkswagen Atlas $605/mo · Kia Telluride $538/mo · Jeep Grand Cherokee $514/mo

All 33 midsize and large SUVs with a lease, ranked →

Deal grade

Advertised

$379/mo

True cost

$490/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 1.12%. How we grade

How $379 becomes $490

The ad says $379 a month, and it also asks for $4,378 at signing.
$379 of that is your first payment. The other $3,999 is extra money that you pay up front.
Spread across the 36 months of the lease, $3,999 is $111 a month.

$379advertised payment

$111up-front money, each month

$490true cost a month

$4,378

Due at signing

36 mo

Term

$17,643

Total cost

1.12%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 2WD Wagon SR5 L4 8AT MSRP $43,865	$379	$4,378	36 mo	$490	B
2026 TRD Off-Road i-FORCE MAX 4WD Wagon TRD OFF RD Hybrid 8AT MSRP $55,085	$529	$4,528	36 mo	$640	B

The math for the 2026 SR5

Due at signing, with payment 1 in it: $4,378
35 more payments of $379: $13,265
Total for 36 months: $17,643
True cost each month: $490
Cost for each mile, with 30,000 miles allowed: $0.59
Interest rate inside the lease, from a money factor of 0.00308: 7.39%
Price to buy the car when the lease ends: $33,337

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

Deal grade

Advertised

$329/mo

True cost

$449/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 0.97%. How we grade

How $329 becomes $449

The ad says $329 a month, and it also asks for $4,999 at signing.
$329 of that is your first payment. The other $4,670 is extra money that you pay up front.
Spread across the 39 months of the lease, $4,670 is $120 a month.

$329advertised payment

$120up-front money, each month

$449true cost a month

$4,999

Due at signing

39 mo

Term

$17,501

Total cost

0.97%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $46,210	$329	$4,999	39 mo	$449	A
2026 TRD Off-Road Premium i-FORCE MAX 4WD Wagon TRD OFF PR Hybrid 8AT MSRP $62,115	$509	$4,999	39 mo	$624	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $4,999
38 more payments of $329: $12,502
Total for 39 months: $17,501
True cost each month: $449
Cost for each mile, with 32,500 miles allowed: $0.54
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $35,120

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

B+

Deal grade

Advertised

$379/mo

True cost

$472/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 1.02%. How we grade

How $379 becomes $472

The ad says $379 a month, and it also asks for $3,999 at signing.
$379 of that is your first payment. The other $3,620 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,620 is $93 a month.

$379advertised payment

$93up-front money, each month

$472true cost a month

$3,999

Due at signing

39 mo

Term

$18,401

Total cost

1.02%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $46,113	$379	$3,999	39 mo	$472	B+
2026 TRD Off-Road Premium i-FORCE MAX 4WD Wagon TRD OFF PR Hybrid 8AT MSRP $62,054	$559	$3,999	39 mo	$647	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,999
38 more payments of $379: $14,402
Total for 39 months: $18,401
True cost each month: $472
Cost for each mile, with 39,000 miles allowed: $0.47
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $34,585

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

B+

Deal grade

Advertised

$389/mo

True cost

$482/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 1.02%. How we grade

How $389 becomes $482

The ad says $389 a month, and it also asks for $3,999 at signing.
$389 of that is your first payment. The other $3,610 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,610 is $93 a month.

$389advertised payment

$93up-front money, each month

$482true cost a month

$3,999

Due at signing

39 mo

Term

$18,781

Total cost

1.02%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $47,228	$389	$3,999	39 mo	$482	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,999
38 more payments of $389: $14,782
Total for 39 months: $18,781
True cost each month: $482
Cost for each mile, with 32,500 miles allowed: $0.58
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $35,893

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

B+

Deal grade

Advertised

$519/mo

True cost

$608/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 1.02%. How we grade

How $519 becomes $608

The ad says $519 a month, and it also asks for $3,999 at signing.
$519 of that is your first payment. The other $3,480 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,480 is $89 a month.

$519advertised payment

$89up-front money, each month

$608true cost a month

$3,999

Due at signing

39 mo

Term

$23,721

Total cost

1.02%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 TRD Off-Road Premium 4WD Wagon TRD OFF PR L4 8AT MSRP $59,893	$519	$3,999	39 mo	$608	B+
2026 TRD Off-Road Premium 4WD Wagon TRD OFF PR L4 8AT MSRP $59,893	$519	$3,999	36 mo	$616	B+
2026 TRD Off-Road Premium i-FORCE MAX 4WD Wagon TRD OFF PR Hybrid 8AT MSRP $62,909	$559	$3,999	39 mo	$647	B+
2026 TRD Off-Road Premium i-FORCE MAX 4WD Wagon TRD OFF PR Hybrid 8AT MSRP $62,909	$589	$3,999	36 mo	$684	B+

The math for the 2026 TRD Off-Road Premium

Due at signing, with payment 1 in it: $3,999
38 more payments of $519: $19,722
Total for 39 months: $23,721
True cost each month: $608
Cost for each mile, with 39,000 miles allowed: $0.61
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $44,321

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

Deal grade

Advertised

$359/mo

True cost

$452/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 0.98%. How we grade

How $359 becomes $452

The ad says $359 a month, and it also asks for $3,999 at signing.
$359 of that is your first payment. The other $3,640 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,640 is $93 a month.

$359advertised payment

$93up-front money, each month

$452true cost a month

$3,999

Due at signing

39 mo

Term

$17,641

Total cost

0.98%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $46,040	$359	$3,999	39 mo	$452	A
2026 TRD Off-Road i-FORCE MAX 4WD Wagon TRD OFF RD Hybrid 8AT MSRP $57,149	$459	$3,999	39 mo	$550	A
2026 TRD Off-Road i-FORCE MAX 4WD Wagon TRD OFF RD Hybrid 8AT MSRP $57,149	$479	$3,999	36 mo	$577	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,999
38 more payments of $359: $13,642
Total for 39 months: $17,641
True cost each month: $452
Cost for each mile, with 32,500 miles allowed: $0.54
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $34,990

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

Deal grade

Advertised

$369/mo

True cost

$462/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 0.98%. How we grade

How $369 becomes $462

The ad says $369 a month, and it also asks for $3,999 at signing.
$369 of that is your first payment. The other $3,630 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,630 is $93 a month.

$369advertised payment

$93up-front money, each month

$462true cost a month

$3,999

Due at signing

39 mo

Term

$18,021

Total cost

0.98%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $47,023	$369	$3,999	39 mo	$462	A
2026 TRD Off-Road Premium i-FORCE MAX 4WD Wagon TRD OFF PR Hybrid 8AT MSRP $62,874	$539	$3,999	39 mo	$628	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,999
38 more payments of $369: $14,022
Total for 39 months: $18,021
True cost each month: $462
Cost for each mile, with 32,500 miles allowed: $0.55
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $35,737

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

Deal grade

Advertised

$369/mo

True cost

$454/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 0.98%. How we grade

How $369 becomes $454

The ad says $369 a month, and it also asks for $3,699 at signing.
$369 of that is your first payment. The other $3,330 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,330 is $85 a month.

$369advertised payment

$85up-front money, each month

$454true cost a month

$3,699

Due at signing

39 mo

Term

$17,721

Total cost

0.98%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $46,113	$369	$3,699	39 mo	$454	A
2026 TRD Off-Road i-FORCE MAX 4WD Wagon TRD OFF RD Hybrid 8AT MSRP $55,789	$469	$3,699	39 mo	$552	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,699
38 more payments of $369: $14,022
Total for 39 months: $17,721
True cost each month: $454
Cost for each mile, with 32,500 miles allowed: $0.55
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $35,046

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

Deal grade

Advertised

$329/mo

True cost

$423/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 0.92%. How we grade

How $329 becomes $423

The ad says $329 a month, and it also asks for $3,999 at signing.
$329 of that is your first payment. The other $3,670 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,670 is $94 a month.

$329advertised payment

$94up-front money, each month

$423true cost a month

$3,999

Due at signing

39 mo

Term

$16,501

Total cost

0.92%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $46,113	$329	$3,999	39 mo	$423	A
2026 TRD Off-Road i-FORCE MAX 4WD Wagon TRD OFF RD Hybrid 8AT MSRP $56,544	$439	$3,999	39 mo	$530	A

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,999
38 more payments of $329: $12,502
Total for 39 months: $16,501
True cost each month: $423
Cost for each mile, with 32,500 miles allowed: $0.51
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $35,046

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

B+

Deal grade

Advertised

$379/mo

True cost

$472/mo

Graded on true cost as a percent of MSRP, against other midsize and large SUVs. This lease is 1.01%. How we grade

How $379 becomes $472

The ad says $379 a month, and it also asks for $3,999 at signing.
$379 of that is your first payment. The other $3,620 is extra money that you pay up front.
Spread across the 39 months of the lease, $3,620 is $93 a month.

$379advertised payment

$93up-front money, each month

$472true cost a month

$3,999

Due at signing

39 mo

Term

$18,401

Total cost

1.01%

Of MSRP each month

Every offer, ranked by true cost

Trim	Advertised	Due	Term	True cost	Grade
2026 SR5 4WD Wagon SR5 L4 8AT MSRP $46,883	$379	$3,999	39 mo	$472	B+
2026 TRD Off-Road i-FORCE MAX 4WD Wagon TRD OFF RD Hybrid 8AT MSRP $55,284	$479	$3,999	39 mo	$569	B+

The math for the 2026 SR5

Due at signing, with payment 1 in it: $3,999
38 more payments of $379: $14,402
Total for 39 months: $18,401
True cost each month: $472
Cost for each mile, with 39,000 miles allowed: $0.47
Interest rate inside the lease, from a money factor of 0.00285: 6.84%
Price to buy the car when the lease ends: $35,162

Tax, title, license, and dealer fees are extra. Try your own numbers

The offer ends November 30, 2026. See the offer page

How the Toyota 4Runner lease changed

Since October 12, 2026, the true cost stayed at $490 a month.

October 12, 2026: $379/mo, $4,378 due, 36 mo: $490
October 17, 2026: $379/mo, $4,378 due, 36 mo: $490
October 31, 2026: $379/mo, $4,378 due, 36 mo: $490
November 5, 2026: $379/mo, $4,378 due, 36 mo: $490
November 11, 2026: $379/mo, $4,378 due, 36 mo: $490

Each line is the best offer where most regions share it, on the day that we collected the offers.

How it ranks among midsize and large SUVs

The Toyota 4Runner has the 7th lowest true cost of 33 midsize and large SUVs with an advertised lease this month. The lowest is the Subaru Outback at $410 a month.

The middle true cost in the class is $566 a month, and the Toyota 4Runner costs $76 less. Each month it costs 1.12% of its MSRP, and the middle of the class is 1.26%.

The best 4Runner lease in each regionMiami and 4 more regions$379/mo, $4,378 due$490B
Washington and 3 more regions$329/mo, $4,999 due$449A
Phoenix and 2 more regions$379/mo, $3,999 due$472B+
Detroit and 2 more regions$389/mo, $3,999 due$482B+
Los Angeles and 1 more region$519/mo, $3,999 due$608B+
Chicago and 1 more region$359/mo, $3,999 due$452A
Seattle and 1 more region$369/mo, $3,999 due$462A
St. Louis and 1 more region$369/mo, $3,699 due$454A
New York$329/mo, $3,999 due$423A
San Francisco$379/mo, $3,999 due$472B+
Dallas and 4 more regionsNo advertised lease