Type your own numbers and see the same car priced as cash, as a loan, and as a lease, with the taxes and state fees for Arizona. Nothing you type leaves this page.
Cash
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out the door
Sales tax
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Title, registration, and fees
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Trade-in
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Due at the dealership
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Finance
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Amount financed
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Total interest
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Payments plus cash down
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Lease
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Due at signing
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Total over the lease
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Value at lease end
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Lease or buy, over 36 months
You pay
You own at the end
Real cost
Lease
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Nothing; you hand it back
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Finance
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Equity of ...
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Cash
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A car worth about ...
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An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are the average new-car APR for each credit tier (used-car APR for a used car) from Experian's State of the Automotive Finance Market, second quarter 2026, VantageScore 4.0. The starting money factor, residual, and acquisition fee are starting figures only; the leasing company sets the real ones. Taxes and state fees are estimates for Arizona; the dealership's paperwork and your motor vehicle agency have the final numbers. What you own at the end assumes the car is worth the residual. Nothing you type is sent, saved, or used to check your credit.
Every new Toyota carries a 3 year / 36,000 mile basic warranty, 5 year / 60,000 mile powertrain coverage, and ToyotaCare complimentary maintenance for 2 years / 25,000 miles.
The Toyota Camry starts around $29K, the manufacturer's suggested price for the base model before options and destination. Plus each dealership's own documentary fee (not a government fee), taxes, and government fees. Higher trims cost more; the XSE tops the range.
What trims does the Toyota Camry come in?
Four: LE, SE, XLE, and XSE.
What gas mileage does the Toyota Camry get?
44-51 mpg, depending on the trim and powertrain, per the manufacturer's published figures.
How many seats does the Toyota Camry have?
5.
Should I lease or buy a Toyota Camry?
It depends on how long you will keep it and how far you drive. Type the price you agreed on into the calculator above and compare the lease and the loan over the same months, with your state's taxes and your own credit tier.
