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Anyone have any experience with toyota loyalty?

Discussion in '2nd Gen. Tacomas (2005-2015)' started by o5iiawah, Jun 13, 2011.

  1. Jun 13, 2011 at 3:24 PM
    #1
    o5iiawah

    o5iiawah [OP] Well-Known Member

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    When I bought my 2011 taco, the dealer made me aware of the toyota loyalty program where regardless of credit, if you make all 12 payments on time, you qualify for 0% on your next purchase.

    I love my AC but would like to look at a DC as more lockable storage and people-space is attractive to me. I anticipate at the end of the year, I'll owe about $15k on my AC. My interest rate is currently pretty high. My credit wasn't the greatest but I have an awesome job that pays great and I need a good, reliable vehicle thats why I got the taco.

    I am wondering if its even worth rolling $2k into a new loan if thats a trade-difference to get a brand new DC at 0% - or keep the AC and continue to rack the miles. my employer re-imburses me at the IRS rate so essentially my vehicle is free out of pocket - or costs me very little to own. And once the loan is satisfied, it will actually make money. Anyone with some advice?

    http://www.tacomaworld.com/forum/4-cylinder/141112-cost-ownership-my-2011-4-banger.html

    Has anyone had experience with this program?
     
  2. Jun 13, 2011 at 3:27 PM
    #2
    acmair

    acmair Well-Known Member

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    Toyota has a program like that? Wow, after 4 Toyotas, I had no clue.
     
  3. Jun 13, 2011 at 3:48 PM
    #3
    MAPLENUTS

    MAPLENUTS Well-Known Member

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    Historically you get killed on the trade in, especially during the first year. Big part of the depreciation hit.
     
  4. Jun 13, 2011 at 3:57 PM
    #4
    KenLyns

    KenLyns Lord of War

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    ^X2. I think the trade difference will be more than $2K. There's the depreciation on your new truck, and the price difference between Access Cab and Double Cab.
     
  5. Jun 13, 2011 at 4:04 PM
    #5
    Airun

    Airun Well-Known Member

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    Odo miles?
     
  6. Jun 13, 2011 at 4:17 PM
    #6
    Airun

    Airun Well-Known Member

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    Haven't heard of this program. Is this only available after 12 mos of payments? Kbb lists 2010 around 19000$ in my region for priv party, so getting trade value of 17$k may be tough. However, even with slight negative equity, depending on current apr, 0% may save you money ov er the life of loan and you'll have what u really want.
     
  7. Jun 13, 2011 at 4:56 PM
    #7
    o5iiawah

    o5iiawah [OP] Well-Known Member

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    I bought it in feb and have 13,500. Will prob have 35k after 1 year.

    I am wondering if the depreciation hit will balance out the amortization of the loan. Though I am on pace to pay the 6 year note in 3.

    Decisions, decisions..
     
  8. Jun 13, 2011 at 6:57 PM
    #8
    doubletaco

    doubletaco Well-Known Member

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    I traded in my 09 prerunner for a 2011 4x4 got 0% interest. Paid $26500 for the 09 they gave me $24000 trade in. Paid $30000 w/ttl for the 2011. No money down and they made my first two months payment. It also helped that my friend bought a truck too.
     
  9. Jun 13, 2011 at 7:29 PM
    #9
    Airun

    Airun Well-Known Member

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    NICE!
     
  10. Jun 13, 2011 at 7:31 PM
    #10
    Airun

    Airun Well-Known Member

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    Yeah, I'd say especially since your making such large payment you should be gtg. And I thought I put a lot of miles on.:eek:

    BTW, nice Fuelly numbers man!
     
  11. Jun 13, 2011 at 7:39 PM
    #11
    Taco-NB

    Taco-NB MMMMM Taco's

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    What interest rate are they currently charging you?
     
  12. Jun 13, 2011 at 8:44 PM
    #12
    o5iiawah

    o5iiawah [OP] Well-Known Member

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    I'd prefer not to say.

    I will be honest in that its not great, and I only got the loan because I made enough that with mileage and salary that I would pay it off early.

    I was an idiot -not so much anymore but even a high interest rate doesn't sting as badly when a loan is paid off in 1/2 the time. The dealer must have been licking his chops and I knew it. The best thing I can do is trade in for a 0% or agressively pay it off. I am in a position to do both so we shall have to see.
     
  13. Jun 13, 2011 at 10:09 PM
    #13
    GuapOh

    GuapOh Well-Known Member

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    WHAT?!?!?!?!?! This is my 4th brand new fucking Toyota purchased in 15 years. I bought em all at the same dealership from the same guy and I've never heard of that shit before.
     
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