Toyota RAV4
Your numbers
Pick how you'd buy it. Every number updates as you change the inputs.
Repayments in arrears at the example rate. Not a loan offer: your rate depends on your credit, the lender and the asset. A bigger balloon lowers repayments but adds interest.
Rates on this car
Manufacturer offers we found, and what the market is charging right now.
No manufacturer low-rate finance found for this car in our latest check.
Good-credit borrowers typically 6.95%–9.95% (Oct 2026). Business chattel mortgage rates vary by lender and ABN history.
Rates are estimates from public sources, not offers from Under the Bonnet. Market source
What owners are reporting
Recalls and common problems. Recalls are fixed free by the dealer, so they're not a reason to skip a car, but check the VIN before you buy.
- RecallOct 2026
5,925 RAV4 plug-in hybrids (all 2026 PHEV variants): a software fault can cause sudden loss of drive power. Regular hybrids aren't affected.
Source
Check any car's recalls by VIN at vehiclerecalls.gov.au.
What applies to this car
Tax and rule checks for the variant and price above, using 2026–27 thresholds.
GST credit
A GST-registered business can generally claim the GST in the price, about $4,454, on its next BAS.
Depreciation limit
At $48,990 this is under the $69,883 car limit, so the full business-use cost can be depreciated.
Luxury car tax
Below the $80,809 LCT threshold.
FBT on a novated lease
A novated lease works, but FBT applies (usually reduced to nil with post-tax contributions). Savings are smaller than for an EV.
Instant asset write-off
The permanent $20,000 write-off only covers assets costing less than $20,000. This car is over that, so it goes in the small business depreciation pool instead.
Running costs
Our estimates. Change them to match how you drive and what you pay.
Alternatives
Same deposit, term, rate and balloon, at each car's typical variant.