Toyota financing - what rates are you seeing on Tacoma?

Nah nobody has posted any wang pics. Besides that would probably be against the TOS.

 

They did. FiCO wangs

 

Best Toyota offered me when I bought mine 18 months ago was 1.9%. I got the impression that anything lower through Toyota Financial would be on models that don't sell quickly, of which the Tacoma is not one.

I just refinanced with my local CU at 1.49%. I've entertained the notion of paying it off sooner but at 1.49% it's almost free money.

 

All meaningless attempts by the banksters to get us to pile deeper into debt. Going full retar

Sweet. I'm finding a few of the local banks are around that level on shorter terms.

 

Toyota considers 720+ to be in their Tier 1+ category for financing. If you are above the 720, you should be able to negotiate a bit on the IR.

 

Not only that but if you are not going to pay off the truck in the first year on a three year note which I prefer, or first two years on a five year note, may as well make all the payments . Most of the interest is paid up front. If I finance I will be paying $33 a month interest in the first year it will decrease from there.

 

No one makes a "ton of money" financing $30K at 2% for 60 months... BUT when a dealer sells that rate to three buyers in a day they make $4800 "extra" doing the financing.. THAT is why they will beat bank and CU rates. The F&I guy sells high volume loans and that generates tons of money for the dealership (and his pocket)

5 sales of $30K 2% loans is extra profit of over $7000 in a day. Adds up fast,

 

Where did you find a dealer willing to deal strict invoice? I found one thats just over invoice but still has the BS 599 dealer fee. Gonna try and get out of that as well

 

TDA? Is that the same as dealer processing fee or whatever crap they try and charge?

 

Internet manager @ Florence Toyota SC. Gave me a price of $36665 for a 4x4 Limited OTD with only towing No tonneau, No other options. But they are flooded up there and many roads cannot be traversed.

in order to keep my sale local, I offered my dealer $500 more than the Florence offer and they accepted it. That includes their $349 Doc Fee. The Doc Fee is part of the Cap cost as far as I'm concerned and additional profit.

I should have the vehicle in the next 10 days or so.. THEN I will put the numbers up I ended up paying. Right now the deal is in my SIG. I have a VIN but I am worried the truck may not have the FP package (JBL) and instead the HH. I won't take delivery of a non JBL truck.

Your deal is not bad though. MANY are paying MSRP. I won't but I have other vehicles to drive. Even $1000 (including Doc Fee) over invoice would be a deal many would take if offered.

 

I bought a brand new 2015 on Friday. My bank gave me 1.75% for 72 months. Took it to the dealer and the best they could do was 2.15%

 

Thats god damn outstanding! nice.

 

What bank?

 

Christian Community Credit Union out of California. Actually, they offered me 1.49% for 72 months if I opened a checking account with them. I didn't, hence the 1.75% -- it is only ~$2.00 extra per month so no big deal.