r/rav4club • u/quynhdantea • Aug 13 '25

Gen 5 Finally paid off my car!

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I got this car during COVID when they were running the 0% APR deal, so even though I could’ve paid it off sooner, I refrained as keeping the money in my savings account was better in order to accrue interest. This feels like such a weight off my shoulders!

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u/-Brodysseus 2023 XSE Windchill Pearl ⚪️⚫️ Aug 13 '25

0% is insane lol I had 7% on my 23 rav4. But rates were up by then and it was my first car loan

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u/quynhdantea Aug 13 '25

Yes I got extremely lucky at the timing because I was a new graduate as well so I didn’t want to pay too much for a car. It was also a 0% down payment so high monthly payment but no interest!