2026 Toyota RAV4 Lease Deals (November 2026): $279/mo
The current advertised 2026 Toyota RAV4 lease offer is $279/mo for 36 months with $3,999 due at signing and 10,000 miles a year on the LE (in the California region), valid through November 30, 2026. The program money factor is 0.00324 (7.78% APR equivalent) with a 77% residual. Across 7 trim and region offers on record, payments run $279–$389/mo.
By the CarWhere Research Team · Manufacturer lease program data · Updated daily · Last checked November 9, 2026
- Monthly
- $279/mo
- Term
- 36 months
- Due at signing
- $3,999
- Miles / year
- 10,000
- Money factor
- 0.00324
- Residual
- 77%
- Region
- California
- Offer ends
- November 30, 2026
Toyota RAV4 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 RAV4 LE | Pennsylvania | $279 | 39 mo | $3,999 | 10,000 | 0.00324 | 78% | November 30, 2026 |
| 2026 RAV4 LE | California | $279 | 36 mo | $3,999 | 10,000 | 0.00324 | 77% | November 30, 2026 |
| 2026 RAV4 LE | Texas | $299 | 39 mo | $3,999 | 10,000 | 0.00325 | 77% | November 30, 2026 |
| 2026 RAV4 LE | Georgia and Florida | $299 | 36 mo | $4,298 | 10,000 | — | — | November 30, 2026 |
| 2026 RAV4 LE | Illinois | $309 | 39 mo | $3,999 | 10,000 | 0.00324 | 78% | November 30, 2026 |
| 2026 RAV4 LE | New York | $379 | 39 mo | $379 | 10,000 | 0.00324 | 78% | November 30, 2026 |
| 2026 RAV4 XLE Premium | Washington | $389 | 39 mo | $3,999 | 10,000 | 0.00324 | 74% | November 30, 2026 |
Regions on record: Pennsylvania, California, Texas, Georgia, Florida, Illinois, New York, and Washington.
How to tell if a RAV4 lease quote is good
- Compare all-in cost, not the payment. The headline offer costs about $13,764 over 36 months ($3,999 at signing plus the remaining payments) — $382/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 0.00324 (7.78% 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 77% 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 RAV4 lease deal right now?
As of November 2026, $279/mo for 36 months with $3,999 due at signing on the 2026 Toyota RAV4 LE (in the California region), through November 30, 2026. Spread over the term that is about $382/mo all-in before taxes and fees.
What is the money factor on a RAV4 lease?
0.00324 on the current program — a 7.78% APR equivalent (money factor × 2400), with a 77% 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 RAV4?
Yes — New York has a $379/mo offer on the LE with only $379 due at signing. Any lease can be structured with $0 down by rolling the down payment into the monthly payment.
When does the current RAV4 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.