2005 Toyota 4Runner SR5 for $0 Build Credit, Poor Credit, Bad Credit, Good Credit OK OAC











Extremely Reliable 4Runner: A Dream Car to Build Credit
If you’re in the market for a dependable vehicle that has been well-cared for and offers low annual mileage, the 2005 Toyota 4Runner SR5 RWD may just be your ideal choice. With an average of only ~8,000 miles per year over 14 years of ownership, this vehicle is not only reliable but also an excellent option for those looking to build or rebuild their credit through AllCreditAuto.Loan.
Why Choose the 2005 Toyota 4Runner SR5 RWD?
The Toyota 4Runner has built a name for itself over the years as one of the most reliable SUVs on the market. The 2005 SR5 RWD is no exception and comes loaded with features, making it a great investment for various types of drivers. Here are some of the benefits you can expect:
- Rosen Entertainment System: Enjoy traveling with the integrated navigation system, Bluetooth audio and phone connectivity, and rear camera, all designed to offer comfort and convenience.
- Fuel Efficiency: With an average of 20.5 miles per gallon, you can enjoy long trips without worrying about frequent fuel stops.
- All-Terrain Capability: With approximately 15,000 miles on all-terrain tires and a full-size spare, you can confidently tackle various terrains.
- Recent Maintenance: The vehicle has undergone significant maintenance, including new front brakes and rotors in September 2023 and new LED headlights, thermostat, and radiator in June 2025.
- Added Protection: WeatherTech driver and passenger floor mats provide an extra layer of protection against wear and tear, ensuring the vehicle stays in excellent condition.
Important Disclosures
It’s essential to be transparent when purchasing a used vehicle. The back right bumper has a cosmetic crack resulting from being backed into while parked in 2013. This minor issue hasn’t impacted the performance or drivability of the 4Runner. For your peace of mind, refer to the last photo for an image of the damage. Additionally, please note that the tire pressure light is broken—a common issue with 4Runners—but the system still functions; the light blinks and turns solid if tire pressure is low.
Building or Rebuilding Your Credit with AllCreditAuto.Loan
Whether you have poor credit, bad credit, or even good credit, AllCreditAuto.Loan provides a pathway to obtaining your dream vehicle and improving your credit score. Here’s how:
Why Use AllCreditAuto.Loan?
AllCreditAuto.Loan partners with various lenders to offer flexible financing options tailored to your needs. This means that regardless of your credit history, you have a chance to secure a loan with favorable terms.
Easy Application Process
The application process through AllCreditAuto.Loan is straightforward and user-friendly. You can apply online from the comfort of your home, and you’ll receive feedback in a timely manner.
Multiple Loan Options
The platform provides a variety of loan options to ensure you find a rate that works for you. Partner lenders understand the different credit tiers, allowing them to cater to individuals with different credit situations.
Improve Your Credit Score
By making timely payments on your new loan, you can gradually rebuild your credit. Responsible borrowing and prompt repayment are key to establishing a strong credit profile, which opens up future financing opportunities.
The Advantages of Owning a 2005 Toyota 4Runner SR5 RWD
So, why should you choose this specific model? The advantages extend beyond financing opportunities:
- Longevity: Toyota vehicles are reputed for their longevity; owning a 4Runner means you are investing in a car that can last many years with proper care.
- Resale Value: Used Toyotas generally maintain their resale value, which means you can expect a good return should you decide to sell it in the future.
- All-Weather Performance: The 4Runner’s all-terrain capabilities make it suitable for various driving conditions, providing peace of mind whether in the city or off-road.
- Community and Support: Owning a Toyota often comes with the advantage of a large community of enthusiasts, which can provide valuable resources and support.
Conclusion
The 2005 Toyota 4Runner SR5 RWD is more than just a reliable car; it’s a pathway to building or rebuilding your credit through AllCreditAuto.Loan. With its impressive maintenance history, low mileage, and a host of features that enrich the driving experience, this vehicle stands out as a smart investment.
If you’re looking for a way to secure a loan regardless of your credit standing, AllCreditAuto.Loan offers you the opportunity. Don’t miss out on the chance to drive away in a vehicle that not only meets your needs but also helps you pave the way for a healthier financial future. Start your journey today!

$6,495
inner sunset / UCSF
Extremely reliable 4Runner! Well cared for with low annual mileage — averaging only ~8,000 miles per year over 14+ years of ownership.
– Rosen Entertainment System with navigation, bluetooth audio/phone system and rear camera
– 20.5 average MPG
-All-terrain tires with ~15k miles plus a full size spare
– New front brakes and rotors (Sept 2023)
– New LED headlights, thermostat and radiator (June 2025)
– WeatherTech driver and passenger floor mats
Disclosures: Back right bumper has a cosmetic crack from being backed into while parked in 2013. It hasn’t affected performance or drivability. See last photo.
Tire pressure light is broken (common issue for 4Runner), but still works. Light blinks and will turn solid if low pressure.
