What are you paying for 2020 Tacomas?

Good luck man, definitely shoot for 12% off MSRP without the rebate and you're good. Don't let them get you with all the bullshit come finance time, like extended warranty, extracare, etc. And good luck with trade, thats gonna be your biggest fight honestly with used car inventory stacking up and values free falling too.

 

Thanks. Yeah the whole trade thing is probably what I’m most worried about for the same reasons you listed

 

What’s a pre delivery service charge?

 

Thats what we were all asking, seems ridiculous.

 

Toyota offers that to SET also they are just to stingy to post it online but if you say you saw it online then dealers in the southeast will admit that its actually true, but probably reluctantly

 

Damn thats shady, so they can include it in the discount and while they pocket it.

 

My trade value is down 24,000 to 23,300 in less than a month. Luckily we previously agreed on my trade value when I ordered my truck a couple weeks ago

 

All I know is someone on here back a while ago when talking to the dealer found out that the rebate all the other regions were getting he could get if he didn't do the special rate financing, so yes they are trying to hide it but my guess is that SET is trying to pocket the extra as much as dealers trying to make extra

 

Exactly and yes you can't do both no matter what region. It actually is better for them if you take the rebate since TFS covers that and they don't have to lose that on the truck, so makes sense they wouldnt mention it because they can say look we are discounting it this much (including the rebate that the customer is unaware of).

 

I’m in SET. One dealer I was in referred to it as dealer cash. I just kind of laughed in my head because it didn’t matter what he called it. I knew what the number I needed to be at was.

 

2020 Super White Automatic Premium OR 4WD

Northern California

MSRP 45,013

Dealer is offering 40,665 before taxes and fees.

Claims it’s already 1500 below invoice and therefore non negotiable. Thoughts?

 

Not below true invoice. They are at 10% off MSRP for a highly desired config and in CA, which is a great deal for the area/region it seems, but not a great deal outside, same truck I paid $39.2k back in late Feb with only the $500 military rebate (MSRP $44.8k). Its still a good deal and given its CA I don't want to tell you you can do better, and with inventory drying up, they probably wont negotiate too much.

 

Follow up question, what are your opinions on not putting down a down payment since it’s 0% interest.

 

2020 TRD Pro - Magnetic Grey

Dayton, Ohio

MSRP - $48,643.00

Paid $45,500.00

Truck $45,500.00 + $2,973.75 (tax) + $250.00 (Doc Fee) + $35.00 (Tag) = $48,758.75

 

I'm sure there will be counter points, but personally, I wouldn't be interested in putting any money down on a 0% loan. The money isn't costing me anything to use and I much rather have that extra cash in my bank account. I guess if you really wanted to lower your monthly payment or go from maybe a 60 month loan to a lower term one, it might make sense to put money down. Even then though, I still think I'd take that down payment money and sock it away in the bank. Just my 2 cents.

 

I agree and that is just what I did.
I was going to pay cash for the truck but figured, why do that?
Now I have the cash on hand (for emergencies) and will use it to make the payments.
These days you never know what's lurking around the corner......or how safe your job is......
I hope the economy will get back to pre-virus strength but who knows how long that will take??

 

This

$999 Pre Delivery Service Charge??? I call BS on that!

 

Personally,
I had already allotted a certain amount for my down payment, i was shooting for the 2.9 apr but due to feet dragging on the sales side. I got the 0% deal, I think the same day it started...I still put the 12k down that I saved for that.

 

Would I as a first time buyer with great credit be able to get the 0%apr?

 

As long as you qualify for TFS Tier 1, which I think they lowered the minimum to 680, used to be 720, though I think Tier 1 + is still a bit higher.