Tacoma TRD Pro Cost $65,395

If you configure a Tacoma TRD ORP, you end up with about a $55k truck. With that in mind, the 2025 4Runner will about $10k more than the 2024. Personally, I don't see the value in that price jump, but others might.

 

The Tacoma TRD off-road with the highest premium package is $58K before any dealer markups or add ons. The 4Runner has got to be at least $5K more than that. A $63K off-road premium 4Runner. That’s insane. Then you can add a few thousand more to make it a hybrid. Absolute insanity.
Mine had an MSRP just over $40K and paid a little over $37K for it. That’s quite the increase in price.

 

Haha. I thought the one thing we could probably all agree on without controversy would be the fact that the 5th Gen 4Runners are dogs when it comes to power/acceleration. I could care less about racing from stoplight to stoplight and wouldn’t buy a BOF SUV if my first priority was to have extraordinary acceleration (though a G-Wagon could scratch that itch within a BOF). Therefore the lack of power or speed building didn’t drive me mad and I definitely tolerated it because I got a DEAD ASS RELIBALE car with insane resale value that just got me from point A to point B in all conditions, and that was an acceptable tradeoff to me, but I feel like most objective people would say that in the power/acceleration department, the 5th Gen 4Runner

I have honestly read a lot more of “no way I’m gonna pay that much” on this forum than I would have imagined. I feel like the avg American consumer doesn’t really care what something costs and if they can responsibly afford it. The difference between being able to buy it and being able to afford it is a distinction most people conflate. I know many people who spend an inordinate amount on a car and then say “that’s just how much all cars cost now” and they never considered buying a used car, or cheaper model, etc.

 

A 10 year car loan is insane. I don’t know if that many people will be willing to buy a $60K+ 4Runner.

 

I haven't bought a new vehicle in a long time, but holy shit that is a long time to pay off a vehicle.

 

I’m 14th in line for a TRDORP, however if I’m looking at $65k+, I’d just hold out for a GX550 or mid trim LC250 at that point. I actually texted my sales rep and asked to put me down for an SR5 4x4. It’s a compromise, and I could afford the ORP, but I can’t justify it.

 

Scout / International the grandfather to your modern 4x4's.

 

I see far more women driving TRD Pro 4Runners than men. I see far more men driving Limited models than any other model other than SR5. This is Austin, TX. But most importantly is that if a woman is driving a 4Runner, it’s mostly a Pro. And if you see a Pro, is more likely a woman.

 

Dam I' m on a 48 month Toyota loan & will most likely pay this off in the very near future!! My house built in 2000 has been paid off for at least 10 yrs. The only loan I have is the 4Runner. I ain't giving %%% to some banker! All my other "Toys" as my bride calls them are paid for . Looking to sell or trade my 2014 HD Dyna Super Glide Custom 103 cu. for a 2024 Honda CBR 1000RR & that will be bought ought right too.

 

Everyone has different circumstances and not everyone can say the same thing about a paid off house. But paying $65k for a 4Runner and justifying it via a 10 year loan is just plain stupid regardless of income level or other life accomplishments.

My 23 ORP has been paid off, and I don’t mind getting into another sensible loan. But anything above the traditional 60 month is questionable, especially at high interest rates and with these ridiculous car prices.

 

My Daughter bought a 24 3/4 ton last Nov right off thectruck for just over 61,000 and it was loaded z71 4x4 6.2 with the Allison towing and camera package, leather cooled and heated, I think the only option that wasnt there was the moon roof. Floored me when she pulled up in it and told me the price. I would have guessed 80 at least with the prices these days.

 

Just payed my ORP off this month, could have paid cash but borrowed 20 and paid it off in 6 months just to get the bump on the credit score. I couldn't imagine having a 7 8 or 900 dollar car payment for 7 or more years, I remember when the longest loan you could get on a car was 3 years.

 

Lot of people don't know that those 3 numbers affect so much more than your credit

 

Yes sir

 

It depends on the interest rate. If you can make a higher percentage by investing your money than the interest rate the bank is charging then you are better off to let the bank front the money for the car while you use your own money to make more money. It’s even better if you invest that money pre tax like a 401K.

 

Cash is king, there's no better feeling than being debt free and having the assets you need to play and survive

 

Very true, but the current rate environment makes the bogey a lot higher for expected return you'll be earning in place of taking on financing since car loans are priced like 7-10%+ now. Back when rates were 0-2%, borrowing the entirety of the purchase price made sense even if you had a down payment.

 

I drive a lifted limited in ATX! Really wanted any other trim but I got it at an auction in 2017 for $27k with only 30k miles so couldn't pass that up. I dont think I could go without ventilated seats now.

 

I wonder what Trump's promised high tariffs will do to the price of these vehicles.

 

A Tacoma TRD Pro made with the cheapest labor in North America is still $8 grand more than a Ranger Raptor made by the UAW in Detroit.

Nevermind what Trump might do; it looks to me like Toyota has already given us heavy tariffs.

 

In the late 80's, congress put a 25% tariff on 2 door trucks which included the 4Runner and Pathfinder. In 1990 the price of those rose over $5k and spelled the end of the 2 doors. And that is when they were priced in the upper teens. Imagine what a 25% tariff will do the $50k vehicle?

 

The Ineos truck is around $20K more than the SUV. Most likely because of the chicken tax. That’s why Toyota made its pickups here. They are going to have to move production back to the US if they want sales to continue or eat the tariff costs. Only fools will pay more than the already inflated Toyota tax.

 

Nothing wrong with financing responsibly as a practical tool to pay off your vehicle.

But, financing a Gen4 Taco or Gen6 4R or LC250 over seven or more years at 8+ points just because Toyota jacked the MSRP’s is a slightly worse idea than wire-transferring money to an anonymous person emailing you from overseas.

If you already have a deal like that, get the heck out of it. And if you were considering it, look long and hard at cheaper alternatives that won’t tilt your debt ratio to oblivion.

 

Making the Taco in Mexico is juts pure, naked, unadulterated greed. Nissan makes the Frontier in Mississippi. Ford makes the Ranger in Michigan, and the GM Canyorado twins are made in Missouri. Toyota is the only one that makes a "midsize"(LOL) pickup in Mexico in the whole segment.

They used to make the Taco in NUMMI in Fremont, CA. Then they closed NUMMI, laid a bunch of people off and moved it to Texas, and even then it wasn't enough margins so Baja and Guanajuato it goes. Toyota made the bed themselves. They can figured it out I am sure.

 

Have current high prices prevent any Taco bros from buying them? The prices already increase 30-40% since 2019 without rise in tariff rates. Now Toyota knows they can keep raising prices and still get enough takers.

 

I did. :/

 

Toyota’s truck buyers historically are its most loyal followers. They’ll literally argue that the sun rises in the West, if it defends the honor of their Tacoma/4Runner/Tundra.

It’s clear now that TNGA-F is a platform designed to cut internal costs, in order to help finance some ambiguous EV future.

But by also choosing to charge customers so much more, Toyota forces their fanbase to decide between taking on even greater debt for longer periods of time, or just being shut out of getting a new one altogether. That’s a bummer.

 

10yr car loan, wtf???

Never heard of such a thing. I don't think I've heard of anything over 5yr.

If you can't pay off a car within 5yr, def shouldn't be buying it, from a financial perspective.