Buying a 2017.

Same. I was prefinanced through USAA but a local credit union was able to give me a labor day special that was much better.

 

Know all three of your credit scores. Research your vehicle and know exactly what you want/don't want. Know the MSRP and Invoice pricing. Make sure they don't add any stupid fees or charges. Be ready to walk.

 

^ this happened to me as well, got pre approved with my credit union and Toyota beat it

 

I just bought one a few weeks ago. But that process took me about a month. SHOP AROUND. Don't be afraid to walk away from a decent deal if you think the next Toyota shop down the road will beat them. I had 2 dealers working against each other until I felt like I had the best possible deal. You will know when you hit their rock bottom. Basically I got 4K off sticker. Maybe I was a good at negotiating maybe they needed to move inventory idk but just don't get in a hurry an dont be afraid to walk away.

 

Take your time and figure out exactly what you want. Don't be afraid to go test drive different versions with no intention of signing out that day. At the end of the day everything is ultimately on your timeline, don't let the dealer tell you otherwise.