Dealer has 2012 with 14,738 miles 4x2 dclb TRD sport w/towing package for 27,678. When I asked what was the lowest he could go he said 26,900. Told him I'd be better off with new at that price. He said with a new my interest would be 3.9 but since this 2012 is certified used 1.9 was the rate. Told him at that rate I might consider it. He later said he made a mistake and that the rate doesn't apply to tacomas anymore but that he could do 25,900+ TTL.
I think 25.9 is reasonable. What do you all think?
Also does anyone use USAA, PenFed or Alliant? I see they offer really low rates on new cars so might consider joining one of these and going for new. Are there any other credit unions I should look into or are these the best.
Would appreciate any help or tips thanks!