Financing a TRD Supercharger? Possible?

In wish mine did. My credit is in 800s I was told no. maybe I'll get one with my Christmas bonus.
Back in 2008 my brother bought a scion tc from a different dealer same deal no go.

 

Nope. I asked. There is a rule from Toyota that the supercharger can't be added to the financed cost of the vehicle. That rule is on this site and question asked before - independent of credit.

At the time of purchase you can buy the supercharger but not roll it into financing.

 

Post #29.

http://www.tacomaworld.com/forum/showthread.php?p=8618180


Supercharger Dealer Install Times/Costs


a dealer might choose to ignore it...financing - no. My dealer would allow me too do it ay time of purchase but trade 1:1 for down payment.

But you have to do it under separate transactions like walking to parts department and writing a check over there.

 

Just FYI this is literally ruining my business right now. All agricultural companies want to go the direction of car dealers and ban sales over $2000 on CC's but no one is brave enough to do it first. Customers keep putting $100K purchases on there platnium cards to get a free vacation but they don't realize that we as a business now have to pay 2-3% of that back to the credit companies to finance your trip. It's funny cause most of the guys who use the CC'd are millionaires who could go buy there vacations like I buy a dollar menu cheeseburger. M/C and Visa are the devil comes to sapping off our profit margins.

When a business only makes 5-6% profit margins due to intense competition then has to pay half of that to credit card companies to cover there excessive reward cards it's a PITA . This year I'll probably have no bonus because of all the stupid plastic people use.

Rant over lol.

 

My S/C Tacoma gets 18 mpg . Ram = FAIL. I own one for work and if I could I would burn it down today for another Ford.

 

When is the last time you shopped merchant providers or tried to negotiate your rates with your current merchant processor? Maybe its time for both.

 

I totally agree. I see why people use them but it is hurting small businesses big time. I'm not knocking people for taking advantage of a great deal. What I am saying is that great deal is coming at the cost of your local retailers.

 

You too Scott.

 

Unless your Walmart and can threaten to choke off a large chunk of profit the terminal companies will never agree to a rate below 2.25%. They may give you breaks to 1.75% for certain transactions but 1.75% of a 3 million dollar account is still over a 1/4 of our profit margin on some customers. That 1/4% is what pays for salary increases, machinery upgrades, and bonuses that directly support our local community (we buy mostly local on principle since our customers choose to as well.)

It's a lose lose situation no matter what direction we choose to take in the short term. We will likely end up banning the cards and instituting our own reward program of 1% cash back over a certain account size.

 

You guys both sound like you're getting taken for a bath. Sterdog you shouldn't be near 3% per transaction. Is that rate for personal cards or corporate? You're getting screwed

 

I can't name the company I work for but trust me we are in the top 2 for Agricultural retailers in North America. I can tell you our credit division has given up on getting consistent rates below 2.25%.

 

Who is your processing company?

 

I own a few shares in my company, but what messes with me is when we are losing 2-3% of our profits to a credit handler and that 2% could be the difference between a bonus and no bonus at the end of the year. That bonus could really help my young family get by.

I could leave to any other retailer and get hired for the same salary at the drop of a hat, but I have friends in the industry and my company has the best benefits and loyalty to there workers.

Sorry for taking this off topic Lobster lol.

 

I just went through this process with my truck so I figure I'll toss it all out here so others can know what I learned. I wanted to nail down the specifics of how the warranty worked with the aftermarket Toyota products.

1. Toyota financing does NOT allow dealers to finance the TRD supercharger. If a dealer does this, he is most likely doing some "fuzzy math" with your down payment or trade in to get around the policy.

2. The Supercharger will not be covered by an Extended Toyota Warranty plan with one exception. The Supercharger MUST be installed by the dealer before the customer takes possession of a new vehicle. This qualifies the supercharger as "Original Equipment" and will be covered by the extended toyota warranty. No quote for that other than I called the TRD corporate number and they told me this. I was asking for specific clarification on the supercharger warranty since it appeared ambiguous.

3. If the supercharger is installed by a dealer then you get the regular power train warranty or 12 month 12,000 mile.

http://www.toyotaracing.com/trd/ Notice the Warranty link at the bottom of the page.

So, if you want to get a TRD Supercharger (or any upgrade really) you need the cash, CC, or equity in the vehicle and a bank/credit union that will refinance and give you the cash in hand to do the upgrades. If you want it covered under an extended warranty you have to have all this at the very beginning.

That being said, I'd still say save the money then decide if you really want to and pay cash.

 

Exactly :/

 

It went to a financing discussion LMAO. Seriously, this thread was dead anyways. I'll summarize:

1. By da rulez you cannot finance a TRD supercharger with Toyota Financial. However private bank financing or a really tricky dealer can finance a TRD supercharger.

2. The Supercharger is boss, but if you have to stick it on a Credit Card to afford it maybe you should be reconsidering your priorities .

 

FTFY

 

It's going to depend on which model Ram it is. If it's a 2WD single cab then it's likely faster. If it's a 4x4 crew cab then the Tacoma will likely come out ahead. I did the numbers on the Ram as well as some others compared to the Tacoma w/ a SC. Apples to apples the Tacoma comes out on top, barely, when it comes to power:weight ratios. Add some altitude and the SC has an advantage. The Tacoma also appears to be slightly more aerodynamic due to it's smaller frontal area. We'd need a wind tunnel to accurately debate that.

I'll take the Tacoma w/ a SC over a 400hp Ram 1500 pretty much any day. Looks better, likely faster, definitely more reliable, and the resale is a joke on the Rams unless you have a diesel 2500/3500. Which I've owned 2.