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Old 09-28-2007, 06:12 PM   #1
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07 or 08?

after talkin to couple of dealers and getting the run around...

still no truck!! I'm ok without it, I am not in a dire need of a new vehicle.

but there aren't much of 07 off-rd left.
I found askin for $26436. Alon 200 miles it. It was trade from another dealer.

I guess I'm being cheap. I saved so much of money and wasting it on my down payment kind of upsets me a little...

I guess maybe wait until November to see what comes up...

maybe i would get a better APR then 6.75 from toyota

but it is a pain to finance through a bank cause it takes a while to get it.

whatever.... more waitin time!
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Old 09-28-2007, 06:18 PM   #2
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when i bought my yota last november, i got 6.55 and they financed that through bank of america. i called today to see what my payments would be on 5.95 from another place and it would only lower my payment $2 a month
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Old 09-29-2007, 08:29 PM   #3
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Quote:
Originally Posted by jhodge83 View Post
when i bought my yota last november, i got 6.55 and they financed that through bank of america. i called today to see what my payments would be on 5.95 from another place and it would only lower my payment $2 a month
whoa...
you can finance the car through bank of america???
I talked to toyota dealerand said i have to do it throught ONLY toyota financial!!!
and they can't find another bank for me!!

I mean i can go and finance it myself... it is a pain in the a$$.

my friend went to infiniti to get a car and he can choose from chase or bank of america!!

I asked about bank of america in a branch and they told me i have to do it online myself and i told them about my credit score, they told me it should be 5.84%
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Old 09-29-2007, 08:43 PM   #4
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that was straight from the dealer...there was no real question or answer about who/where to finance
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Old 09-29-2007, 09:32 PM   #5
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You can finance through any bank you want guys... SOmetimes Toyota will tie incentives (low interst, recent graduate, etc) to financing with Toyota Financial Services, but I like always to have a pre-wired draft ready to go. It aids in negotiation!!

If you can get access to a credit union (like Navy Federal) you can get some pretty decent rates (currently 5&#37...

Try search carmax inventories - Last week they had a bunch of 07';s new...
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Old 09-30-2007, 08:21 AM   #6
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Because Tacoma's are basically the best selling trucks in the USA, there are rarley any factory incentives.

I bought an 08 Tacoma crew, 4X4, TRD last month. Paid $500 over invoice. I could have (I actually did... but that's another story) got an 07 Tundra 4X4 DBL cab, TRD for $800 more than the Tacoma because of all the Tundra incentives.
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Old 09-30-2007, 12:39 PM   #7
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Quote:
Originally Posted by rpoint16 View Post
Because Tacoma's are basically the best selling trucks in the USA, there are rarley any factory incentives.

I bought an 08 Tacoma crew, 4X4, TRD last month. Paid $500 over invoice. I could have (I actually did... but that's another story) got an 07 Tundra 4X4 DBL cab, TRD for $800 more than the Tacoma because of all the Tundra incentives.
They sure dont give toyotas away..As a former GM truck customer I was use to all the finance incentives and what not...Dealers will Usualy bump you a point so 6.5% is realy costing them like 5.5% ask emif they will finance you for a flat comp next time or check your local credit union.....
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Old 09-30-2007, 04:42 PM   #8
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Quote:
Originally Posted by ellsworth View Post
They sure dont give toyotas away..As a former GM truck customer I was use to all the finance incentives and what not...Dealers will Usualy bump you a point so 6.5% is realy costing them like 5.5% ask emif they will finance you for a flat comp next time or check your local credit union.....

I think they can leagaly bump up to 4 points in finance. I always do my outside financing- home equity line or cash. The Tundra deal I had was $37400 sticker, I added $900 in options. I negotiated down to $32500 then took off $2500 rebate. $30K plus TT&L.

I think I paid $28500 (+TT&L) for my 08 Tacoma, they just came out, plus I returned the Tundra two days later. They did me a favor so I did not press too hard on the Taco.
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Old 10-01-2007, 07:40 AM   #9
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Quote:
Originally Posted by rpoint16 View Post
I think they can leagaly bump up to 4 points in finance. I always do my outside financing- home equity line or cash. The Tundra deal I had was $37400 sticker, I added $900 in options. I negotiated down to $32500 then took off $2500 rebate. $30K plus TT&L.

I think I paid $28500 (+TT&L) for my 08 Tacoma, they just came out, plus I returned the Tundra two days later. They did me a favor so I did not press too hard on the Taco.
so how much was ur finance thru toyota?
Tundra has a deal right from toyota because they want to get rid of them and make some sales.
Tacoma has nada!

how much was the tacoma without the TTL?
thanks!
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Old 10-01-2007, 05:38 PM   #10
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Quote:
Originally Posted by linkfeeney View Post
so how much was ur finance thru toyota?
Tundra has a deal right from toyota because they want to get rid of them and make some sales.
Tacoma has nada!

how much was the tacoma without the TTL?
thanks!
Sticker on the Tacoma was $32K. I paid $28500 plus TTL. I could have probably done better but like I said, I was returning a new Tundra I purchased two days prior so they were being pretty cool.

Not sure what the Toyota financing is these days. I have a home equity line of credit I used @ 6.49%... tax ded too.
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Old 10-02-2007, 12:30 PM   #11
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Hi,

I just got my 08 taco 4x4 dc or pkg last Thursday, so I went thru the same thing that your talking about. I was looking at the 07's and one dlr north of me actually has 3 left over. I got my 08 for $28,2 OTD with a pass thru/trade with my old car. I had a pre approved loan from Captial One for 6.25%, but it actually turned out better to fianance thru Toyota Motor Credit for 6.35% for 60 months with a no early payoff penalty. My payment are 2 dollars more a month and a lot less hassles. I would say go for the 08 for all the same reasons as stated before.

Take care,

Matt
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Old 10-02-2007, 06:05 PM   #12
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Quote:
Originally Posted by josefmd View Post
Hi,

I just got my 08 taco 4x4 dc or pkg last Thursday, so I went thru the same thing that your talking about. I was looking at the 07's and one dlr north of me actually has 3 left over. I got my 08 for $28,2 OTD with a pass thru/trade with my old car. I had a pre approved loan from Captial One for 6.25%, but it actually turned out better to fianance thru Toyota Motor Credit for 6.35% for 60 months with a no early payoff penalty. My payment are 2 dollars more a month and a lot less hassles. I would say go for the 08 for all the same reasons as stated before.

Take care,

Matt
I also looked thru bank of amerca finance in NJ
they are 5.64%... now I dont know if they are allow to pay off early or not.
but I'm going to ask.

the 07 i saw was total of $26,436 plus whatever crap then Minus the rebate.

the truck had 200 mile which i did not like at all!

if I'm going to get a new one... I was 10 miles or less!!
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Old 10-03-2007, 06:06 AM   #13
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Another thing, watch all the hidden fees that some of those banks throw in the loan. They give you a good % rate, but rape you in other ways.
That price sounds pretty good for a 07, and I wouldn't sweat the 200 mileage thing. Heck, it was just a dlr trade and some old fart drove it to were it sits now.

Good luck,

Matt
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