Toyota Camry Lease Deals
The Camry remains one of the most consistent lease values in the midsize segment, with strong residuals and frequent TFS subvented money factors.
Updated 2026-06-16 · Reviewed monthly
Est. monthly
$269
36 mo · 12k mi/yr
Due at signing
$2,499
Starting MSRP
$28,400
Residual / MF
59% / 3.00%
Why the Toyota Camry leases the way it does
The monthly payment on a lease is driven by three things: the negotiated capitalized cost, the residual value at lease end, and the money factor (interest rate). On the Camry, a typical 36-month deal amortizes about $11,644 of depreciation across 36 payments, plus a finance charge based on a money factor of roughly 0.00125 (~3.00% APR equivalent).
Lease highlights
- Strong 36-month residuals (~58-60%)
- Hybrid trims qualify for additional incentives
- TFS often waives disposition fee on re-lease
Estimated monthly payment math
- Capitalized cost: ~$28,400 (MSRP, before negotiation)
- Residual (59%): $16,756
- Depreciation over term: $11,644
- Money factor: 0.00125 (~3.00% APR)
- Term: 36 months · 12,000 miles/year
Use our lease calculator to model your specific scenario, and check the payment math guide for a full walkthrough.