Is my Payoff amount a good selling price?

You sound very bitter !

 

@Cucvfan FYI You can still buy 2020 TRD Off Roads with 2WD... And the tow package only became standard in 2018.

 

Not bitter at all. Just wondering why someone says it hard to believe that I paid what I paid for my truck. They go on to ask if my truck is a 4x4?
If they own a TRD off road, they should know this info.

 

This is in line with what I paid for a 2019 in November. I'm in Southern California. Got 0% for 5 years too.

 

Good catch.

 

They make 2wd offroads, and also make offroads without the tow package. Youll find no tow package trucks everywhere, and most 2wd offroads in the south or southwest.

E: someone beat me to the punch on this.

 

Jesus H Crikey, you're upside down on your truck and you're going to drop a bunch of savings on your wedding?

You need to think about that.

 

Don’t judge, Judgy McJudgerson.

 

I prefer Mr. McJudgerson.

 

Yep, and it looks like $3000 dollar truck too.

 

OP have you considered bi-weekly payments? It certainly helps me budget for the payment but YMMV.

https://www.navyfederal.org/calcs/autobiweekly.php

 

Just keep it...

 

I have seen many offroads without 4wd. Not many without a tow package.

 

This is what happens when you buy things you can’t afford.

 

Wow, Mrs. McJudgerson, does your husband know you're out at this hour.

Give OP a break, people's lives change. Their situations change.

 

You realize two payments that add up to the same as one is still the same. Hmmmm , I cannot budget for one $400 dollar payment but I can make 2 $200 dollar ones work. Just find it funny

 

Same. We did drop 2k going to Vegas and having a wedding on top of the stratosphere, and renting a suite for our friends at the Hilton elara. But 2k aiiint shit

 

I have a 2017 2WD OR and I have a friend with one as well

 

Everyone is different and in some situations it does help. I do weekly payments on everything now from the house, vehicles, insurance, savings. Biweekly and weekly, you end up making extra payments than you would doing just monthly, pay less interest and pay things off quicker. Not much quicker on a small notes but on a house your shaving off years. The transition sucked and we struggled for a bit but the structure has changed my life and more importantly my families lives for the better.

 

I believe the lender would take the proceeds from the cancelled “products” and apply the credit to the back of the loan, essentially reducing the loan balance. Would not reduce the monthly payment amount, just allow the loan to be paid off sooner than originally scheduled (if applicable).