Toyota Financial Services base MF for 2026 RAV4 XSE Hybrid lease

yaracena

Hi everyone,

I’m looking for confirmation of the current Toyota Financial Services base money factor for a 2026 Toyota RAV4 XSE Hybrid AWD.

Lease details:
36 months
12,000 miles per year
Top-tier credit
Location: 10468

I’ve been quoted a money factor of 0.00280 with a 68% residual ($30,695) by one dealer, who states this is the TFS rate. However, I have reason to believe the base MF may be lower (I’ve seen something closer to the low 0.0017 range from another dealer, though I no longer have it in writing).

Can anyone confirm the current TFS buy rate money factor for this model, term, and mileage, or let me know if 0.00280 reflects dealer markup?

kyfdx

yaracena said:

Hi everyone,

I’m looking for confirmation of the current Toyota Financial Services base money factor for a 2026 Toyota RAV4 XSE Hybrid AWD.

Lease details:
36 months
12,000 miles per year
Top-tier credit
Location: 10468

I’ve been quoted a money factor of 0.00280 with a 68% residual ($30,695) by one dealer, who states this is the TFS rate. However, I have reason to believe the base MF may be lower (I’ve seen something closer to the low 0.0017 range from another dealer, though I no longer have it in writing).

Can anyone confirm the current TFS buy rate money factor for this model, term, and mileage, or let me know if 0.00280 reflects dealer markup?

Please re-post in our existing 2026 RAV4 discussion