Considering purchasing 2018 OR 4X4 28K in Ca

I’ve been lurking through the used Tacoma market and I’m considering financing a small balance since used car rates are so high right now. I plan to have it paid off in six month and my budget is around 28-31K. I’m only financing 10K so the interest will be minimal if a pay it off early. I’ve seen a few 3rd gen Tacoma hit 350K already and understand how they were maintained has a lot to do with it. Anything sub 50K is practically the same as buying new and as much as I would want a new truck I don’t feel comfortable having a truck payment for more than a year. I’m looking at 2018 OR 4X4 with 100K miles OTD. Purchase agreement would come out to 28K, no accidents, fuel pump replaced at 60K miles and maintenance log looks solid. No rust on the frame and looks in good shape overall. Given this description would you guys say this is a good deal?

 

Considering the truck MSRP’d at maybe $10k more than that, you probably already know the answer is that you are paying a lot of money for a well used truck.

Personally it’s a pass from me. Not dropping almost $30k on a truck with that mileage.

 

In CA? If it has the options, color etc that meet your requirements, it's a fair purchase price IMHO.

 

I’ve searched through the used inventory on Toyotas website/CarGurus and haven’t been able to find anything near this asking price within a 200 miles radius. There were a few RWD Sport SR5 and OR trims going for 32-35K pre tax with 40-20K less miles but a extra 7-4K at 8-10% APR doesn’t really seem worth it to me. Seems like CA prices are higher than other parts of the country from what I’ve noticed.

 

Why not buy out of state to save thousands? Or wait to buy until you can either pay cash or prices/rates come back down. Don’t settle on something with 6 figures on the dash just because of the current rates.