GA Tacoma Owners BS Thread

Figure out what you are willing to pay for the truck and walk in with the check already made out. Tell them to make the deal or you go to another dealership. Money talks.

 

2ng gen Titan regular cab... dont need any options since the base is RWD V8.... hard to price since not alot are sold in the regular cab.

 

would you call/ email first or just show up with the check? 20K is all ill spend either way

 

I know absolutely nothing about Nissan pricing I was thinking you were going after a Tacoma.

 

Well mine is falling apart and I want a 2 door V8...

 

Well just burned a hole through my ass...

Just pulled the trigger on ADS coilovers and shocks with extended travel and clickers on all 4 corners, extended brake lines, and 285/75-16 Milestar Patagonia's.... FML... shit better ride like a caddy

 

Show up. Maybe call ahead and set an appointment with the internet sales manager. They usually can work deals and not have to "go speak with their manager" when it comes to the money side of things. They view it as "you could be blowing smoke" over the phone. You show up in person with a check and they know that you are serious.

 

Truck #1 https://www.romenissan.com/vehicle-details/used-2017-nissan-titan-sv-rome-ga-id-30787643
So Call and say i can pay 20K out the door (all taxes and fees included) and if that is possible ill be willing to test drive and buy on X date? The truck in the link is the 1 i want to buy and want to see about first. It has been on their lot for awhile and is listed as 21k + fees, but i have cash, just never bought from anybody other than family before.

 

Well hells yes!

 

Looking forward to some install pics!

 

If it were me, I'd call or do an internet chat and just say that you'd like an appointment with the internet sales manager. Then, on whatever date you set, show up with the check already made out to the dealership with all details except the memo line and signature filled out. Test drive the vehicle and, if you like it, hand him the check.

When he inevitably gives you some nonsense about not being able to go that low, just tell him that he can either figure out how to make it work or you go to one of the other 4 dealerships. Once you start walking to the door is when he will make the deal.

 

so dont mention the 20k at first?

 

Email like @CowboyTaco said.

Nalley and Hendricks Toyota were total assclowns to me (30yo white male, look not a day older than 21 though) even though I had cash in hand. They actually were less cooperative when I told them I had cash. NEVER tell a dealer you can pay cash, they'd rather you finance and pay it off immediately... Plus they'll be less willing to budge if you're well-off enough to pay cash and are young.

I ended up buying from Toyota of McDonough after emailing about half a dozen dealers back and forth. I brought all the email printouts with me, because the first salesman pulled the same "youngun, lets get you in a TRD PRO for *monthly payment*" and ignored the emails - "you kids can fake those." It took me talking to another sales guy, a guy who was in his 20s, to even take me seriously, who immediately got the commission by just selling the damn truck I came to the lot for at the price I had agreed on online.


Toyota McDonough has free oil changes for life too, which is cool if you don't mind the drive.

 

I have heard decent of them, but they do not have what i am looking for unfortunately. But yeah hopefully they take me serious (24 years old with cash)

 

Don't mention you have cash and finance through the dealership. If you're in college or grad school, they'll be able to knock another ~$800 off (or they were able to for me) through the Toyota Finance (Omni Capital or something like that).

There's no penalty for early payoff if you pay 3 months. So do what I did, let them get the commission with it on finance - they make more money that way - and pay it off in full after 3 payments. It ends up costing you tens of dollars in interest, but is worth the money you'll save in negotiation from my experience.

If you're still having trouble with good negotiations, it can't hurt to check through Costco or TrueCar to see what you can get - but be advised - they'll sell your data so use fake info unless you're planning on going that route.

 

i graduated a year and a half ago, so i dont think i still get a college discount (started saving for the truck since then). would the hard inquiry hurt my credit score, or does it go up as soon as i pay the loan off?

 

Don't stress about credit hard checks. Having a car payment actually helps your credit in most cases. Too many hard checks in a month towards credit cards can look bad as an indicator of financial strife, but a couple while shopping for cars is a blip. Plus, if you're in a situation right out of college where you can pay cash for a Taco, you won't be too worried about your credit soon - buy yourself a house. I made my first $100k in my investment account from selling a house 3 years in after I bought it from equity in it (stay in a house 3+ years and you don't have to pay capital gains when you sell, do a 10-year loan to build equity fast). The real estate market has been absolutely crazy booming since 2008 and will continue to do so, as us millennials mostly rent.

When the loan is active, it is a monthly expense that lenders will consider against your theoretical maximum loan amount, so having it will decrease the ceiling for a loan on a house. That consideration disappears as soon as the debt is paid. With that in mind, the lenders I talked to when I bought the house I'm currently in were willing to finance me for over $600k and were baffled that I was buying "only" a $250k house, so it probably won't matter in your case if you're responsible with your money.


Completely off topic, but relevant to credit, I work in cybersecurity, you and everyone else here should keep your credit locked if you're not actively getting it hard checked. The government passed legislation this year requiring agencies to make credit freezes and unfreezes both free and online. I keep my credit frozen at all times, because the fucking DoD and Bank of America have both leaked literally everything. https://clark.com/credit/credit-freeze-and-thaw-guide/ is the first result in google on this, but it has good links and info on what that means and how to do it if I lost you somewhere along the way.

 

One day you need to school me in finances. My parents didnt do such a good job and my uncle I live with and dad both are pay cash always people.

 

https://www.tacomaworld.com/threads/how-to-buy-used-trucks.641172/
I made a thread for my dilemma