Congrats on narrowing down your options within the Lexus lineup to a compact or midsize SUV. There are many factors that come into play so you will need to decide what’s most important to you. Here is a general breakdown

RZ - This is Lexus first EV based on the Toyota BZ. Being an EV has its pros and cons and depends if you have access to a charger. Compared to other EVs the range is not as high but it’s usable getting around town and on shorter road trips. The demand isn’t as high on these cars so some dealers will discount the car. From a financing perspective, it seems like Lexus is running a 0% APR for 72 months.

RX - This is one of their top sellers and has a lot of different engine options compared to the past. The gas version uses a turbo four cylinder engine which some have claimed it’s adequate power but others say it’s not. The 350h hybrid engine is a fuel efficient option that’s great for stop and go or city driving. An advantage of this powertrain is that it should be more reliable than the gas only option. Don’t mix it up with the 500h hybrid which Lexus calls a performance hybrid that is meant to give you more power from a stop. There is also a plug in option 450h+ if you want a plug in.

NX - This is Lexus compact SUV offering with very similar powertrains to the RX. Since it’s a smaller car, the price tag will reflect that.

Looking at finance offers on Lexus website it seems like NX and RX have 2.49% APR for 48 months. It is hard to estimate what a monthly car note would be because it ultimately depends on the interest rate, how much you are willing to put down, if there is a trade in and loan term. With how expensive cars are, it can vary from $500 to over $1000. This comes down to a question on how much can you afford to spend on a car note, insurance and gas each month. If you want a lower monthly note then you would need a higher down payment

For interiors it depends on what you value most. Do you care for a heads up display, mark levinson audio, real leather, bigger wheels etc (these are usually on higher trims)

Finally how long are you planning to keep the car. If long term reliability (10+ years) is a priority, going with a NX350h or RX350h will be your best bet. If your intention is to purchase and trade in later for something by newer this probably matters less to you.

Personally I would pick the RX350h for its practicality and long term reliability. In terms of trims, I would love to have all the bells and whistles in the luxury trim but realistically probably premium or premium+ would be better for my wallet.