Need second Opinions

Looking to buy this 2004 Toyota Tacoma. Already test drove it but I need second opinions on this underside. It has 174k miles on it and they want $11,400 for it. Should I get it or look for another?

 

If I go for it I would financing it. My payment would be $380 for 48 months at 18.99% interest

 

Welcome to TW! Not sure about the truck but I’d be looking for a lower interest rate, that’s 7k in interest.

 

Holy hell, interest rates are out of control

welcome to the forum, but Id strongly recommend saving for a year or two and either buying or placing a large down payment. Those rates are going to be suffocating.

 

That's worse than my cashback credit card.

I'd hold off on financing anything, as much as possible. Get a cash car and go through the steps to repair/build credit. Revisit the idea of a truck in a year.

 

Almost 20% interest, how bad is your credit. I am sure you can find a better truck... for 11,400

 

Look at autotempest.com

 

Is this at a Buy Here, Pay Here lot?

Unless your credit is *totally* fcuked, you can probably find your way into a Credit Union which will offer a rate that isn't approaching 20%(!)

The rust isn't great, either.

 

Thank you all! I am so glad I found this community, truly. When I first laid eyes on this truck I fell in love. I’ve been looking for a Tacoma like this one for two years now and when I saw this one it drove me nuts! I was on the verge of impulsively buying it but my girlfriend talked me out of it and I am so happy I listened! I’m really bummed I’m not getting but I will find something better! Also my credit isn’t as good as it used to be. Signed as a co-signer for my parents at 18 and as of lately they’ve fallen behind on payments and has really ran my credit to the ground :/

 

this is exactly what my girlfriend recommended me! Thank you!

 

It wasn’t that type of lot but I’ll look into that idea of the credit union! Thanks!