Partner Inventory
2022 Toyota RAV4 TRD Off Road
Listed and sold by DCH Toyota of Oxnard in Oxnard, CA. Car Dogs does not own this vehicle — we just make the introduction and keep the numbers honest.
The ride
Offering price — available to any buyer, cash or financed. Includes all dealer-installed equipment. Excludes government taxes and registration plus the state-capped dealer document and electronic filing fees, all itemized in the breakdown. No add-on is required.
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Year
2022
Mileage
55,089 mi
Fuel Type
Gasoline
Exterior
Cavalry Blue
Interior
Black
Transmission
Automatic
Drivetrain
AWD
Engine
4
The honest math
Price breakdown
Every dollar, itemized — the way it should be shown before you sit down.
- Offering price
- $32,640
- Cash price with dealer fees
- $32,758
- Government taxes & fees
- $3,362
- Estimated out-the-door
- $36,120
Any buyer, no strings
Includes $118 in doc + e-filing fees
Estimated for ZIP 92336
Cash, no add-ons, no trade
Estimate only — the dealer's worksheet is final. Change the ZIP to re-run the tax.
How we get to the offering price
Offering price — full cash price for this vehicle
Includes every dealer charge and any dealer-installed equipment already on the car, except the state-capped document and electronic filing fees itemized below. Excludes government taxes and fees. No financing, trade-in, add-on or membership is required to pay this price.
$32,640
Dealer fees — $118
Dealer document processing fee (estimated)
This dealer does not publish the fee on this listing, so we show California's maximum of $85. It is charged by the selling dealer, not by Car Dogs.
$85
Electronic filing / registration service fee (estimated)
Typical California dealer charge of $33 for submitting your registration electronically to the DMV. It is a dealer charge, not a government tax — ask for the exact amount in writing.
$33
Total dealer fees
$118
Government taxes and fees — $3,362
Estimated sales tax (8.75% for ZIP 92336)
$2,856
Registration, title and license (DMV estimate)
$506
Optional add-ons — none required, none on this deal
You may decline every item below and still buy this vehicle at the offering price. None of them is a condition of purchase or of financing. The ranges are what dealers in this market usually ask, so you know the number before it lands on a worksheet.
This dealer publishes no dealer-installed accessories or added-equipment charges on this listing. If any appear on a worksheet, they were added after the fact — ask for them to be removed.
Paint & fabric / interior protection
Not on this deal. Typical dealer asking price $600–$1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
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Theft deterrent / VIN etch
Not on this deal. Typical dealer asking price $200–$1,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Extended service contract (VSC)
Not on this deal. Typical dealer asking price $1,800–$4,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
GAP coverage
Not on this deal. Typical dealer asking price $400–$1,200. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Tire & wheel protection
Not on this deal. Typical dealer asking price $700–$1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
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Key replacement
Not on this deal. Typical dealer asking price $300–$800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Appearance package (tint, ceramic, paint film)
Not on this deal. Typical dealer asking price $400–$2,500. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
What you should know
- Car Dogs is not the seller
- This vehicle is offered by our partner dealership. Car Dogs is an independent advocate and referral service. We do not sell, lease, finance or hold title to any vehicle, and we cannot approve credit. Every price, term and approval comes from the dealer or lender in writing.
- The offering price is the price
- The offering price is the full cash price for this vehicle, excluding only required government charges and the California-capped dealer document and electronic filing fees. Those two dealer fees are itemized in the breakdown and added into the cash price and out-the-door total shown here, so nothing appears later. The offering price is available to any consumer, whether you pay cash, bring your own financing, or finance through the dealer. It never depends on you buying an add-on, financing with a particular lender, or trading a vehicle in.
- Rebates you may or may not qualify for
- Factory incentives such as bonus cash for financing through the manufacturer's lender, military, first-responder, college-graduate, loyalty or competitive-owner programs are conditional. Because not every buyer qualifies, they are never folded into the price we advertise. We list each one separately with the manufacturer's own eligibility language so you can see what it would take to earn it, and what the car costs if you do not.
- No add-on is required
- Optional add-ons — service contracts, GAP, paint or fabric protection, VIN etching, theft or key packages, nitrogen tires — are not required to buy this vehicle or to qualify for financing. You cannot be charged for any add-on you did not agree to, and you may decline all of them and still buy at the offering price.
- Taxes and government fees are estimates
- Sales tax, registration, title and license amounts shown are estimates based on published California rates and the ZIP code entered. Your actual amounts depend on where the vehicle is registered, its weight and plate class, and DMV fees in effect at delivery.
- Payments shown are estimates, not offers of credit
- Any monthly payment figure on this site is an estimate for comparison only. It is not an offer of credit or a commitment to lend. Rate, term and approval are subject to lender underwriting and your credit.
- MSRP and discount comparisons
- MSRP is the manufacturer's suggested retail price and is only shown on new vehicles the factory sets it for. We never strike a list price through a used vehicle, and any "off MSRP" figure reflects a dealer discount available to every buyer — conditional factory rebates are excluded from it.
- Availability and accuracy
- Listings are synced from the dealer's own inventory feed and can change without notice. A vehicle may be sold, in transit, or repriced between syncs. We verify availability with the dealer before any introduction, and we will tell you if the car is gone.
- How Car Dogs gets paid
- You never pay Car Dogs. If you ask for an introduction and complete a purchase, the dealer pays us a flat referral fee. We are not paid more when you pay more, and no partner can buy a better placement, ranking or recommendation on this site.
Cost to finance this vehicle
The payment, the total you pay over the whole term, and the interest inside it.
Estimated monthly payment
$613
8.90% APR · 72-month term · $2,000 cash down. Estimate only, on approved credit. Your actual rate, term and payment depend on the lender's decision and are confirmed in your retail installment contract. Not an offer of credit.
Over 72 months you would pay $46,160 in total, including $10,040 of interest.
$613 a month × 72 months = $44,160 in payments, plus $2,000 paid up front, at 8.90% APR on $34,120 financed.
No trade-in, rebate or optional add-on is assumed here. Change the numbers to match the offer you were given, and a Car Dog will check the worksheet against it for free.
Build your deal
$542/mo est.
Loan term
Credit
Rate: 6.69% APR · based on SchoolsFirst FCU published rates
- Dealer offering price
- $32,640
- Document processing fee
- $85
- Electronic filing fee
- $35
- CA sales tax (est.)
- $2,536
- DMV registration & license (est.)
- $282
- Estimated out the door
- $35,578
- Less down payment
- −$3,500
- Amount financed
- $32,078
Rate and payment disclosures
- Estimate only. This is not an offer of credit, a pre-approval or a guarantee of any rate, term or payment. Car Dogs is not a lender and does not arrange financing.
- Excellent credit uses the lowest APR SchoolsFirst FCU publishes on its public rate page for a used vehicle at this term, checked automatically (rates effective 2026-10-04). Good, Fair and Rebuilding are Car Dogs estimates inside that lender's published range, which tops out at 18% APR.
- Factory offers come from manufacturer programs as listed by Car and Driver. They require excellent credit through the automaker's finance company, are limited to specific model years, trims and terms, often can't be combined with cash rebates, and end on the date shown.
- Your actual APR depends on your full credit history, income, the vehicle, the amount financed, the term and the lender. Lenders may charge a higher rate, and dealers may add a markup to the lender's buy rate. Always compare the APR on the signed retail installment contract.
- Payment includes estimated California sales tax for your ZIP, the $85 doc fee, the $35 electronic filing fee and an estimated DMV amount. It excludes optional add-ons, service contracts, GAP, trade-in payoff and rebates. Exact DMV fees and the out-the-door price are set in writing by the dealer.
Take it home
Want this vehicle?
Nicholas can confirm availability, run your numbers, and introduce you to the dealer on your terms.
Or build the whole deal yourself first — cash, finance or lease on this VIN, add-ons priced honestly.
Advice is always free. Partners pay us only if you choose an intro.
Watch this vehicle
We'll email you if the price on this one comes down or it sells — so you're not refreshing the page or wondering if you missed it.
Car Dogs is not the seller. Vehicles are offered by partner dealerships that pay us a flat referral fee only if you ask for an introduction and buy — never you, and never a share of your deal.
$32,640
2022 Toyota RAV4 TRD Off Road