Check my math

I wasn't really that close to the ledge to begin with but boy, you guys certainly backed me waaaay up! LOL

Her '18 has been rock solid and has leather seats now. She was more intrigued with the push to start, bigger infotainment, and rear locker (which i honestly never see her using)...

I just did the overly expensive 30k mile service on it as well. So dropped a shit ton of money on those ridiculously priced Toyota fluids.

 

I just ran through your math......its off.

$43881-$31500+$19800 = $32,181 as cost before Tax, Title, License. This would be your finance number. You only have $19800 left on current loan. So, you would be increasing your debt by $12,381.

Would you be willing to pay $12381 for the following:
Push to start
Rear locker
Bigger infotainment screen
leather seats

Significant increase for small gains.

 

You're going off MRSP. The deal is for 29K out the door.

 

$43,881 was the MSRP before any discount. If i could have got him down around 14% off like i did with the Taco back in March i'd be slightly more inclined....9.5%, not so much.

 

Ok....your only getting $3181 for a deal......

Still be pushing your debt up for small gains.

Better double check the %......I see only a pinch over 7%

 

I don't see that you're getting 9.5% off MSRP - you're ACTUALLY paying MSRP.
MSRP = $43,881
You get down payment credit for your trade-in of $11,700
Leaves balance due of $32,181
Add to that TTT of $1,100
Brings you to $33,281.
How do you get out-the-door for $29K? There's a difference here of $4,281.
Okay, so you can deduct the $1,000 Customer Cash - Brings you to $3,281.
If your sale guy is knocking $3,281 of the MSRP, then yes, perhaps you've save 7.48% off MSRP - NOT 9.5%

No great deal though for reasons outlined by others. I really want to know how you get out-the-door for $29K.
Keep in mind that the rebate is applied AFTER taxes are figured.

 

You need to check your math . . .

https://www.youtube.com/

 

Nothing like the smell of a new 4Runner Premium .

 

Agree. Unless this new 4Runner is offering something your current one doesn’t have and you just cannot live without that feature, I’m not seeing it. But again I am not one that needs a new vehicle every two or three years. I like to get my vehicle pay them off as quickly as I can and then have no payments for 10 years.

But maybe that’s just me.

 

He hasn't even mentioned the apr or finance charge

 

No, it's not just you.

 

its 2021 and the 4runner still doesnt have blind spot monitors. They literally added all the other safety sense features but that one.... its the one thing i just dont get. But then again, they just added power seats in the tacomas last year so

 

I can absolutely guarantee that what ever you *THINK* the deal is....it is not. What they really want is to bamboozle you with some time in the finance office.

 

no warm fuzzy feelings? I love surfing and kayak fishing. But when I'm in doubt, I don't go out. Stop giving your phone number to known bullshitters.

 

If you wanna add 10k to your current debt load then why not, personally imo I like debt free. Buts that’s me.

 

Here's the deal. I have destroyed my truck since I bought it. I bought a 2020 about a year ago (Dec 19). I have posted a few threads where I have tanked the rocker panel (that's finally getting fixed next week!), I had water in Cyl 1 which caused a misfire, I had a rock behind my backing plate which made it sound like a banshee, I've hit the LCAs and cross members on some rocks in the woods which led Toyota to tell me I needed to call my insurance, and once insurance guy got there they finally showed me the "damages", insurance dude said they would have to make me whole, which meant replacing the frame. This was back in Apr timeframe, so when there was no service being done, I could see the techs drooling for a 40 hour job. I cracked a rear bumper cover and lost a license plate light (that one I'm actually impressed with myself. It pulled the assembly away somehow when I was in the trails, honestly no idea how that happened!) Anyway, point being technically I have "totaled" the vehicle from taking it in the woods. *

And I have only "needed" the locker one time. And it was up a rock crawl that I know people do without lockers all the time. Other "need" was just because I didn't have my sliders on and wanted to have all the help I could get. With the sliders, I wouldn't have thought to turn my locker on.

You do not need a locker. It does not do anything in the snow. Do not fall for that sales line.

Already has leather?! Then bajeebus, don't buy it for leather.

Dasaita Android 11 Head Unit for Toyota 4Runner Replacement Radio 2014 2015 2016 2017 2018 2019 Wireless Carplay Android Auto GPS Navigation Bluetooth 5.0 4G+64G PX6 DSP 10.25" Touchscreen

https://www.amazon.com/Wireless-201...cphy=9002249&hvtargid=pla-1018901732335&psc=1

Spend like 6k less and just get this or similar if the head unit is such a big deal.


*Disclaimer: I am a moron. I accept that all these issues were my own stupidity and fault, they were all on very stock friendly trails and it was all me being a dingus.

 

you'd be a fool not to buy it today

 

the salesman when you gave him your number

 

Get your 2018 paid off and keep it.