2026 Toyota 4Runner Lease Deals (November 2026): $519/mo
The current advertised 2026 Toyota 4Runner lease offer is $519/mo for 39 months with $3,999 due at signing and 12,000 miles a year on the TRD Off-Road Premium (in the California region), valid through November 30, 2026. The program money factor is 0.00285 (6.84% APR equivalent) with a 74% residual. Across 11 trim and region offers on record, payments run $329–$539/mo.
By the CarWhere Research Team · Manufacturer lease program data · Updated daily · Last checked November 8, 2026
- Monthly
- $519/mo
- Term
- 39 months
- Due at signing
- $3,999
- Miles / year
- 12,000
- Money factor
- 0.00285
- Residual
- 74%
- Region
- California
- Offer ends
- November 30, 2026
Toyota 4Runner lease offers by trim and region
Advertised manufacturer lease offers on record — the lowest payment per trim and region, identical offers grouped. Tax, registration and your credit tier change the final number.
| Trim | Region | $/mo | Term | Due at signing | Miles/yr | Money factor | Residual | Ends |
|---|---|---|---|---|---|---|---|---|
| 2026 4Runner SR5 | New York | $329 | 39 mo | $3,999 | 10,000 | 0.00285 | 76% | November 30, 2026 |
| 2026 4Runner SR5 | Pennsylvania | $329 | 39 mo | $4,999 | 10,000 | 0.00285 | 76% | November 30, 2026 |
| 2026 4Runner SR5 | Illinois | $359 | 39 mo | $3,999 | 10,000 | 0.00285 | 76% | November 30, 2026 |
| 2026 4Runner SR5 | Washington | $369 | 39 mo | $3,999 | 10,000 | 0.00285 | 76% | November 30, 2026 |
| 2026 4Runner SR5 | Georgia and Florida | $379 | 36 mo | $4,378 | 10,000 | — | — | November 30, 2026 |
| 2026 4Runner TRD Off-Road | New York | $439 | 39 mo | $3,999 | 10,000 | 0.00285 | 75% | November 30, 2026 |
| 2026 4Runner TRD Off-Road | Illinois | $459 | 39 mo | $3,999 | 10,000 | 0.00285 | 75% | November 30, 2026 |
| 2026 4Runner TRD Off-Road Premium | Pennsylvania | $509 | 39 mo | $4,999 | 10,000 | 0.00285 | 74% | November 30, 2026 |
| 2026 4Runner TRD Off-Road Premium | California | $519 | 39 mo | $3,999 | 12,000 | 0.00285 | 74% | November 30, 2026 |
| 2026 4Runner TRD Off-Road | Florida and Georgia | $529 | 36 mo | $4,528 | 10,000 | — | — | November 30, 2026 |
| 2026 4Runner TRD Off-Road Premium | Washington | $539 | 39 mo | $3,999 | 10,000 | 0.00285 | 74% | November 30, 2026 |
Regions on record: New York, Pennsylvania, Illinois, Washington, Georgia, Florida, and California.
How to tell if a 4Runner lease quote is good
- Compare all-in cost, not the payment. The headline offer costs about $23,721 over 39 months ($3,999 at signing plus the remaining payments) — $608/mo spread evenly. Put any dealer quote through the same math; a lower payment with more due at signing is not a better deal.
- Check the money factor. The program rate is 0.00285 (6.84% APR). Ask for the money factor in writing — if it is higher, the difference is dealer markup and is negotiable.
- Confirm the residual. The program residual is 74% for this term and mileage. Residuals are set by the lender, so a quote using a lower one raises your payment for no reason.
- Negotiate the price first. Advertised payments assume a set selling price. Negotiating the capitalized cost lowers the payment on any term — run your numbers in the lease calculator.
FAQ
What is the best 4Runner lease deal right now?
As of November 2026, $519/mo for 39 months with $3,999 due at signing on the 2026 Toyota 4Runner TRD Off-Road Premium (in the California region), through November 30, 2026. Spread over the term that is about $608/mo all-in before taxes and fees. The lowest payment on record in any region is $329/mo (SR5, New York, 39 months, $3,999 due at signing).
What is the money factor on a 4Runner lease?
0.00285 on the current program — a 6.84% APR equivalent (money factor × 2400), with a 74% residual. That is the manufacturer program rate for top-tier credit; a dealer quote above it includes a markup you can ask to remove.
Is $0 down available on the 4Runner?
The advertised 4Runner offers on record ask $3,999–$4,999 due at signing. Rolling $3,999 into a 39-month lease adds roughly $103/mo (a little more with the money factor), so a zero-down version of the headline offer lands near $608/mo.
When does the current 4Runner lease offer end?
The headline offer is valid through November 30, 2026. Manufacturer lease programs usually change at the start of each month; this page regenerates daily from the current programs.