What are you paying for 2020 Tacomas?

July 2nd build date on mine, so hopefully here a few weeks after.

 

We the buyers control the market. The only problem is that we the buyers can't stay put and wait it out... we jump on the dime when they offer 0% financing thus creating the demand back up again. This is why tacos are more expensive now durring the pandemic than they were before it started. Kudos to Toyota for understanding that the average customer in America can't help it but to consume. Patience is key, just not too many of us have it.

 

If you're looking to buy, why wouldn't you take advantage of the 0%? Actually Toyota did what they needed to during unprecedented times to move vehicles. It helped them and helped the consumers. I'm not going to wait it out and pay more in interest payments just to show Toyota who's boss.

 

Whats the overall goal for people looking to buy at 0% financing? My educated guess would be to save money otherwise what's the point? Just because one is getting 0% financing doesn't mean they are paying less. I've seen plenty of people (here and elsewhere) get 0% financing but end up paying more on the overall price of the truck. My statement was directed more for those who actually want to purchase the vehicle at competitive sale price. If your goal is solely to pay 0% interest, then great, hopefully your truck wasn't marked up too much to make up for the $ saved and then some. My goal is to try to get the truck I want at a fair price...I would be happy to pay 3-4% interest if it meant I got the truck at 18-20% below MSRP. Again, I give Kudos to Toyota for figuring out another way to get people to spend the same if not more for a truck. I don't find a need to show Toyota who's boss, just want to buy truck at a good price.

 

Well the latest deal here was $1750 off or 0%, so it was just a matter of what other term and rate you could qualify for.

 

i got a trd sport for 32k OTD. Sat there for 5 hours trying to haggle.

Wanted a OR, but i'm not complaining.

 

Congrats! My second favorite color! Other than the 4x4 any packages added? What was MSRP?

 

Is $500 off MSRP on a Pro a good deal? Just curious

 

The problem with low interest offers is you have to have the best credit to get them and I hear not everyone does. Then you give up the cash rebate, the cash rebate actually goes to the captive lender to cover the cost of the loan. Depends on what rate you actually can get on your own and how much you finance if you make out on the promotional rate.

As to the supply issue my Jeep is still running good I can wait but its no fun. I've saved a year and a half to have 12k to put down on my first brand new vehicle. I'm a bit excited it actually going to happen or is possible finally. I will probably keep waiting and looking at inventory online. Maybe by August or September it will be better if not then when MY2021 comes out. I'll keep saving too. Maybe I can get a TRD OR instead of an SR5.

 

Any truck in California is gonna cost more than a truck in a state like Idaho for instance. Different market. Different economy, Different price. So telling someone they paid too much for a truck when you're renting your 2k sq ft house in Alabama for 1400 a month and they are renting their 2k sq ft house in cali for 3500 a month seems kinda silly. If you don't understand my point, re-read my post until you figure it out. I'm on the central coast of Cali.. Ever wonder why Edmunds and Kbb asks for your zip code?

 

Many Pros are marked up above MSRP, especially on the west coast it seems, so if you can get a bit under it, I think that is pretty good. Nearly impossible to get the 10%+ off like the other trims, unless you are buying last year's model!

I agree with you, but is this rant aimed at someone or just the thread in general? Quote or @ if you are replying to a specific person.

 

I'm seeing a few dealerships seem to have a few TRD sports in stock and maybe a few SR 4bangers but no off roads, not many SR5, not in colors I'd want.
Then I found this. Wonder why this hasn't found a home. I guess no love for a white '19 TRD off road with the options it has. https://www.heritagetoyotaharrisbur...a-Tacoma-637da1a70a0d04fe0af73d8a79b9b8cf.htm

 

In general, if you want an incentive type of interest-rate you have to sub it for the rebate. When there was a 0% interest rate you could take that or the $1750 rebate. Similar to buying points on a mortgage. I’ve never actually thought about it but I’d be willing to bet that they would give you a 0% interest rate at any time if you’re willing to pay extra for it. When getting a 0% interest rate in lieu of a 1750 rebate, The break even point is financing at least $22,500. What I am planning on doing is if you bring in your own financing, they will beat it though. Don’t mention that this is the plan until you get into the finance room. The best rate I’ve seen so far is 2.99, but I haven’t really looked. Monday I’m about to hit it hard to try and find a good rate.

 

2.99 is really good. How many months is that for on the loan term. I was offered 3.49 at my credit union for a 60 months loan term, I even have credit score over 800.

 

Slightly less than average of a good deal. But in all honesty if you’re buying a pro you really have to just go with the do it makes you happy philosophy.

 

72. 60 months is 2.89.
https://www.penfed.org/auto/new-auto-loans
When I bought my 2016 Tacoma, they were the best rate I found. So I brought that financing with me into the finance room showed it to the finance guy and he beat it by .14

 

Sounds pretty average to me

 

yeah, that was kinda my point. there's no benefit in 0% if the selling price goes up. and i've seen that even with price quotes that weren't based on Toyota rebates. in my experience after getting quotes from a few dealers, the financing terms are a shell game. the total amount paid for the vehicle remains the same.

 

Wow those are great rates for the dealership to beat. Looks like a government employee credit union. Not a place I can likely join.

I will probably just see if they can beat these rates when we get some more tacos in stock.
https://www.whiterosecu.com/resource_types/rates/

 

Anyone can join. $5. Super easy.