The 2025 Toyota 4Runner has arrived with a bold new design, upgraded performance, and enhanced technology. Starting at $42,220, the latest 4Runner promises to continue its legacy as a tough, capable off-roader while adding a touch of sophistication. If you’re eyeing this rugged SUV, you might be wondering: is it better to lease or buy a new 4Runner?
Both options have their advantages, depending on your budget, driving habits, and long-term goals. Let’s explore the pros and cons of leasing vs. buying a Toyota 4Runner.
Leasing a 2025 Toyota 4Runner
Leasing a 4Runner allows you to drive a brand-new vehicle without the financial commitment of ownership. Monthly lease payments are generally lower than loan payments since you’re only paying for the car’s depreciation during the lease term, not the full value.
Benefits of leasing a Toyota 4Runner:
- Lower monthly payments compared to buying
- Ability to drive a new model every few years
- Factory warranty coverage often extends throughout the lease period
- Lower maintenance costs with a newer vehicle
The 4Runner’s expected strong resale value also makes it an attractive lease option. Leasing lets you avoid concerns about long-term depreciation while still driving one of the most capable SUVs on the market.
However, leasing has its limits:
- Mileage limits apply
- Modifications are restricted
- You won’t build equity in the vehicle
For drivers who like having the latest model and don’t want to worry about long-term ownership, leasing could be the best choice.
Buying a 2025 Toyota 4Runner: Building Equity and Long-Term Value
Buying a 4Runner means taking full ownership, which gives you flexibility and long-term value. While monthly payments are higher, you’ll eventually pay off the loan and own the vehicle outright.
Advantages of buying a Toyota 4Runner:
- No mileage limits
- Ability to modify the vehicle
- Long-term cost savings after the loan is paid off
- Strong resale value. 4Runners typically retain their value better than most SUVs
Toyota’s strong resale value is a key reason why buying a 4Runner makes sense for many drivers. Kelley Blue Book estimates that a 4Runner bought for $50,000 today could still sell for $7,500 more than the average midsize SUV after five years. That makes the 4Runner a solid long-term investment.
But buying also comes with some downsides:
- Higher monthly payments compared to leasing
- Out-of-warranty repair costs after the coverage period ends
- Greater upfront costs, including down payment and taxes
If you plan to keep your 4Runner for more than five years or want the freedom to modify it for off-road adventures, buying may be the better choice.
How to Decide: Leasing vs. Buying Toyota Vehicles
The decision to lease or buy depends on how you plan to use your 4Runner. If you want to drive the latest model every few years and prefer lower monthly payments, leasing is the way to go. On the other hand, if you want to keep the 4Runner long-term and benefit from its high resale value, buying makes more sense.
With Toyota’s reputation for reliability and the 4Runner’s strong resale value, either option can be a good financial decision. Whether you lease or buy, you’ll be driving one of the most capable and enduring SUVs on the market.
