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$350 for AC I4 vs $400 DC

Discussion in '2nd Gen. Tacomas (2005-2015)' started by maxpower29, Mar 28, 2011.

?

What truck?

Poll closed Jan 22, 2012.
  1. Access cab

    24.5%
  2. Double cab

    75.5%
  1. Mar 28, 2011 at 6:47 PM
    #1
    maxpower29

    maxpower29 [OP] Well-Known Member

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    Jordan
    Nova Scotia, Canada
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    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    What would you rather pick? Im trying to decide right now......
    2011 access cab I4 manual $350 over 3 year lease
    or
    2011 double cab V6 auto $400 over 5 year lease
    Both have same buyout basically
     
  2. Mar 28, 2011 at 6:49 PM
    #2
    28Gauge

    28Gauge Well-Known Member

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    Brian
    Grapevine, TX
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    Sockmonkey Graphics, K&N Drop In Air Filter, 265/75/16 Bridgestone Dueler A/T's, Weathertech Digital Fit Floor Mats, Dee Zee Bed Mat, Map Light/Dome Light LED's, Flo-Pro Muffler w/Stainless Steel Tip, Dome Light/Map Light Mod, Mobil 1 Synthetic Motor Oil, LED Cupholder Mod, Grillcraft with TOYOTA emblem, Vision 375 Warrior Wheels, Extra Bed D Ring Mod, TRD Skidplate, Bilstein 5100's on all four corners, Front 5100's set at zero with Eibach springs, Toytec 1.5" rear TSB add-a-leaf springs, Toytec swaybar relocate kit, Katzkin Leather Seating, Front Window Tint
    Double Cab
     
  3. Mar 28, 2011 at 6:49 PM
    #3
    himmie

    himmie Well-Known Member

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    Sarah
    AZ-WI
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    Visit the Build.
    I love my DC V6, it is a lot more truck... How much difference does $50 make to you in a month?
     
  4. Mar 28, 2011 at 6:50 PM
    #4
    ppham444

    ppham444 Well-Known Member

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    Phuong
    Portland, OR
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    Redline Tuning hood struts, tinted windows, FX-R HID projector retrofit headlights, AMP power steps
    Double cab! You'll appreciate the extra room.
     
  5. Mar 28, 2011 at 6:50 PM
    #5
    OZ-T

    OZ-T Did you get your precious photos ?

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  6. Mar 28, 2011 at 6:50 PM
    #6
    Davtopgun

    Davtopgun All go, No show

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    David
    Central Alabama
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    Heavy duty 4.56 gears front and rear, ARB air lockers front and rear, WARN hubs, VIAIR ultra duty OBA, Addicted offroad winch bumper, Recon 10,500lb waterproof winch with synthetic line, ProComp Steelies wrapped in 35" general grabber red labels, dakar leaf pack with 2" toytec lift shackles, 10" Billies in the rear, OME 882's with OME Nitrochargers and LR UCA's in the front, WARN recovery kit, extra shackles, 60" Extreme Hi Lift, Hi Lift handle all, home made spare tire carrier, Stubbs welding HD SKO sliders, OTTRW Switches, 20" double row LED Lightbar, ARB Safari Snorkle, AFE Pro Dry S drop in air filter, Optima Yellow Top battery. Work in progress!
    I bought an access cab, and because i have a wife and two kids, i'm still regretting not getting the double cab.
     
  7. Mar 28, 2011 at 6:51 PM
    #7
    TacoMatt02

    TacoMatt02 Well-Known Member

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    dbl cab for sure!
     
  8. Mar 28, 2011 at 6:57 PM
    #8
    Kingfrog

    Kingfrog Well-Known Member

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    I know you are not asking about leasing but I think you
    This will be one of those decisions made by youth where you look back 10 year down the line and wonder what you were thinking.

    First of all leases are far more beneficial for luxury vehicles that can be written off as a business expense. You are way better off finding a used vehicle for $350 a month and having some equity after the payments are over.

    Either way you own nothing..May as well take the three year and have the option to walk after three, and not obligate yourself for FIVE years on a lease and then have another 5 years of payments to buy it out which you won;t do because the dealer will talk you into another lease. because you will be making the same payment then on a NEW vehicle instead of a 5 year old one....You will save in fuel and maintenance as well

    5 Year lease is a VERY bad idea.....5 year loans are bad ideas..Leases are far worse.


    BUY and resell what you can afford to drive for $400 a month. If you cannot afford a new truck payment you should buy used and save a pile of money. $400 a month for three years buys a $15000 vehicle.....
     
  9. Mar 28, 2011 at 6:57 PM
    #9
    maxpower29

    maxpower29 [OP] Well-Known Member

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    Jordan
    Nova Scotia, Canada
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    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    Leasing is by FAR the best way to go. Maybe because of where you live its different, but here, if I were to buy the Truck out at the end, I would save over $4000 because the better interest rate. Its 1.7 on 3 years, 3.7 on 5 years, and 4.7 on finance.
    I never understood why people dont like leases. You get a chance to walk away years later when you never know what could happen
     
  10. Mar 28, 2011 at 6:58 PM
    #10
    Juggernaut

    Juggernaut Captain

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    Tail gate hose clamp, Front Windows 50% tint, fog lights, 894 backup light mod, LED license & interior.
    Two very different trucks, two vastly different lease options. I think you need to decide on the truck you want, then find the best deal.
     
  11. Mar 28, 2011 at 6:59 PM
    #11
    maxpower29

    maxpower29 [OP] Well-Known Member

    Joined:
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    Jordan
    Nova Scotia, Canada
    Vehicle:
    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    Explain? I dont understand? I wouldnt give them the truck back. I would just own it for 5 years while paying low payments and buy it out at the end and save money.
     
  12. Mar 28, 2011 at 7:01 PM
    #12
    Juggernaut

    Juggernaut Captain

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    Tail gate hose clamp, Front Windows 50% tint, fog lights, 894 backup light mod, LED license & interior.
    $400 x 60 months = $24000. How much is buy out? New truck can't be much more than that.
     
  13. Mar 28, 2011 at 7:03 PM
    #13
    maxpower29

    maxpower29 [OP] Well-Known Member

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    Jordan
    Nova Scotia, Canada
    Vehicle:
    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    Buyout is about $15000. To buy its $589 x 72. Prices are fucked here in Canada remember, we get raped because of it. In the end, leasing to buy saves you about $1500-2000 cash
     
  14. Mar 28, 2011 at 7:08 PM
    #14
    OZ-T

    OZ-T Did you get your precious photos ?

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    Peter North
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    Mag Grey 09 Trd Sport DCLB 4x4
    OME 885x , OME shocks and Dakars , Wheelers SuperBumps front and rear , 275/70/17 Hankook ATm , OEM bed mat , Weathertech digifit floor liners , Weathertech in-channel vents , headache rack , Leer 100RCC commercial canopy , TRD bedside decals removed , Devil Horns by Andres , HomerTaco Satoshi
    Are you looking at a TRD model or SR5 ?
     
  15. Mar 28, 2011 at 7:09 PM
    #15
    maxpower29

    maxpower29 [OP] Well-Known Member

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    Jordan
    Nova Scotia, Canada
    Vehicle:
    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    SR5
    If you have any idea in Canada where I can get it cheaper I could use the help too. Thanks
     
  16. Mar 28, 2011 at 7:12 PM
    #16
    OZ-T

    OZ-T Did you get your precious photos ?

    Joined:
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    Messages:
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    Peter North
    British Columbia
    Vehicle:
    Mag Grey 09 Trd Sport DCLB 4x4
    OME 885x , OME shocks and Dakars , Wheelers SuperBumps front and rear , 275/70/17 Hankook ATm , OEM bed mat , Weathertech digifit floor liners , Weathertech in-channel vents , headache rack , Leer 100RCC commercial canopy , TRD bedside decals removed , Devil Horns by Andres , HomerTaco Satoshi
    What were you quoted for the DC SR5 ?
     
  17. Mar 28, 2011 at 7:14 PM
    #17
    maxpower29

    maxpower29 [OP] Well-Known Member

    Joined:
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    Messages:
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    Male
    First Name:
    Jordan
    Nova Scotia, Canada
    Vehicle:
    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    35 200 basically +tax
     
  18. Mar 28, 2011 at 7:16 PM
    #18
    OZ-T

    OZ-T Did you get your precious photos ?

    Joined:
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    #27584
    Messages:
    24,892
    Gender:
    Male
    First Name:
    Peter North
    British Columbia
    Vehicle:
    Mag Grey 09 Trd Sport DCLB 4x4
    OME 885x , OME shocks and Dakars , Wheelers SuperBumps front and rear , 275/70/17 Hankook ATm , OEM bed mat , Weathertech digifit floor liners , Weathertech in-channel vents , headache rack , Leer 100RCC commercial canopy , TRD bedside decals removed , Devil Horns by Andres , HomerTaco Satoshi
    $33 805 + taxes etc in BC

    DC SR5 4x4 V6 5 SPD Auto
     
  19. Mar 28, 2011 at 7:17 PM
    #19
    Kingfrog

    Kingfrog Well-Known Member

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    If you did not give the truck back you will have paid far more for it than you should have refinancing the balance. you will have paid interest on a 10 year note!! on a depreciating asset You want to make 9 years worth of $400 a month payments on an 9 year old vehicle? If you have a financial hardship the dealer takes the car sells it at action and bills you for the entire lease amount. Same if you total it. You are obligated to the entire lease amount. Insurance won;t cover the lease amount only the vehicle's worth. So you now have an increase in payment to by GAP insurance.

    You are obligated to maintain a truck you don't own and are in essence ,renting.

    If you took $400 a month for 5 years you could buy and OWN a $24,000 truck. And sell it in five years for $10,000!!!






     
  20. Mar 28, 2011 at 7:20 PM
    #20
    maxpower29

    maxpower29 [OP] Well-Known Member

    Joined:
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    Messages:
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    Gender:
    Male
    First Name:
    Jordan
    Nova Scotia, Canada
    Vehicle:
    2011 Tacoma 4x4 2.7 5 speed SWB
    All season mats, 2nd filter delete, DT header, Jardine cat-back, URD shifter, Bilstein 5100's all around at .85 front with Eibachs + .25 passenger/.5 drivers spacers and 1.5 AAL, 0w20 synthetic, Scanguage II, extra D rings, OEM backup camera+Mirror, bed mat, Extang Solid Fold, Popnlock 5300, Pro Comp 7089's 4.5bs 285/70/17 Revo 2s, De-badged
    I will have the cash to buy it then. I wont have to finance it.
    At the end of the day, I can walk in there and buy it out whenever. I will own it in 3-5 years and only pay 1.7 interest when paying payments. Thats how I see it
     
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