Is 20w50 okay for your 1995 4-cylinder Camry?

Yes, 20W-50 oil can be used in a 1995 4-cylinder Camry, particularly in warmer climates or if the engine has higher mileage and is experiencing oil consumption issues. However, the manufacturer's recommended oil viscosity is typically 5W-30 or 10W-30 for this model, which provides better fuel economy and engine protection under normal operating conditions. It's best to consult your owner's manual or a mechanic for guidance based on your specific driving conditions.