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GA Tacoma Owners BS Thread

Discussion in 'Georgia' started by BYJOSHCOOK, Oct 29, 2008.

  1. Dec 2, 2019 at 12:31 PM
    CowboyTaco

    CowboyTaco $20 is $20

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    Show up. Maybe call ahead and set an appointment with the internet sales manager. They usually can work deals and not have to "go speak with their manager" when it comes to the money side of things. They view it as "you could be blowing smoke" over the phone. You show up in person with a check and they know that you are serious.
     
  2. Dec 2, 2019 at 12:36 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    Georgia
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    Truck #1 https://www.romenissan.com/vehicle-details/used-2017-nissan-titan-sv-rome-ga-id-30787643
    So Call and say i can pay 20K out the door (all taxes and fees included) and if that is possible ill be willing to test drive and buy on X date? The truck in the link is the 1 i want to buy and want to see about first. It has been on their lot for awhile and is listed as 21k + fees, but i have cash, just never bought from anybody other than family before.
     
  3. Dec 2, 2019 at 12:38 PM
    Built2Ride

    Built2Ride Who wants to ride out?! PM Me.

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    All my rigs are purpose built. From crawling to camping. I also enjoy a nice stock truck for what that’s worth. Toyota’s are the jam!
    Well hells yes!
     
    Gilmorec61 likes this.
  4. Dec 2, 2019 at 12:47 PM
    cubie

    cubie Redneck Asian

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    Sweet home Alabama with a shotgun, rifle and a 4wd
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    Looking forward to some install pics!
     
  5. Dec 2, 2019 at 12:58 PM
    CowboyTaco

    CowboyTaco $20 is $20

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    If it were me, I'd call or do an internet chat and just say that you'd like an appointment with the internet sales manager. Then, on whatever date you set, show up with the check already made out to the dealership with all details except the memo line and signature filled out. Test drive the vehicle and, if you like it, hand him the check.

    When he inevitably gives you some nonsense about not being able to go that low, just tell him that he can either figure out how to make it work or you go to one of the other 4 dealerships. Once you start walking to the door is when he will make the deal.
     
  6. Dec 2, 2019 at 1:07 PM
    BYJOSHCOOK

    BYJOSHCOOK [OP] Mr. Mojo Risin

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    Woodstock and Alpharetta Ga
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    Check Out My Build
     
  7. Dec 2, 2019 at 2:41 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    so dont mention the 20k at first?
     
  8. Dec 2, 2019 at 2:57 PM
    synaps3

    synaps3 Wag more bark less

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    Atlanta, GA
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    SOS armor, ARE MX walk-in, Fox coils, Dakar leafs, etc
    Email like @CowboyTaco said.

    Nalley and Hendricks Toyota were total assclowns to me (30yo white male, look not a day older than 21 though) even though I had cash in hand. They actually were less cooperative when I told them I had cash. NEVER tell a dealer you can pay cash, they'd rather you finance and pay it off immediately... Plus they'll be less willing to budge if you're well-off enough to pay cash and are young.

    I ended up buying from Toyota of McDonough after emailing about half a dozen dealers back and forth. I brought all the email printouts with me, because the first salesman pulled the same "youngun, lets get you in a TRD PRO for *monthly payment*" and ignored the emails - "you kids can fake those." It took me talking to another sales guy, a guy who was in his 20s, to even take me seriously, who immediately got the commission by just selling the damn truck I came to the lot for at the price I had agreed on online.


    Toyota McDonough has free oil changes for life too, which is cool if you don't mind the drive.
     
  9. Dec 2, 2019 at 3:00 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    I have heard decent of them, but they do not have what i am looking for unfortunately. But yeah hopefully they take me serious (24 years old with cash)
     
  10. Dec 2, 2019 at 3:04 PM
    synaps3

    synaps3 Wag more bark less

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    Atlanta, GA
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    SOS armor, ARE MX walk-in, Fox coils, Dakar leafs, etc
    Don't mention you have cash and finance through the dealership. If you're in college or grad school, they'll be able to knock another ~$800 off (or they were able to for me) through the Toyota Finance (Omni Capital or something like that).

    There's no penalty for early payoff if you pay 3 months. So do what I did, let them get the commission with it on finance - they make more money that way - and pay it off in full after 3 payments. It ends up costing you tens of dollars in interest, but is worth the money you'll save in negotiation from my experience.

    If you're still having trouble with good negotiations, it can't hurt to check through Costco or TrueCar to see what you can get - but be advised - they'll sell your data so use fake info unless you're planning on going that route.
     
    Stig likes this.
  11. Dec 2, 2019 at 3:06 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    i graduated a year and a half ago, so i dont think i still get a college discount (started saving for the truck since then). would the hard inquiry hurt my credit score, or does it go up as soon as i pay the loan off?
     
    synaps3 likes this.
  12. Dec 2, 2019 at 3:17 PM
    synaps3

    synaps3 Wag more bark less

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    Don't stress about credit hard checks. Having a car payment actually helps your credit in most cases. Too many hard checks in a month towards credit cards can look bad as an indicator of financial strife, but a couple while shopping for cars is a blip. Plus, if you're in a situation right out of college where you can pay cash for a Taco, you won't be too worried about your credit soon - buy yourself a house. I made my first $100k in my investment account from selling a house 3 years in after I bought it from equity in it (stay in a house 3+ years and you don't have to pay capital gains when you sell, do a 10-year loan to build equity fast). The real estate market has been absolutely crazy booming since 2008 and will continue to do so, as us millennials mostly rent.

    When the loan is active, it is a monthly expense that lenders will consider against your theoretical maximum loan amount, so having it will decrease the ceiling for a loan on a house. That consideration disappears as soon as the debt is paid. With that in mind, the lenders I talked to when I bought the house I'm currently in were willing to finance me for over $600k and were baffled that I was buying "only" a $250k house, so it probably won't matter in your case if you're responsible with your money.


    Completely off topic, but relevant to credit, I work in cybersecurity, you and everyone else here should keep your credit locked if you're not actively getting it hard checked. The government passed legislation this year requiring agencies to make credit freezes and unfreezes both free and online. I keep my credit frozen at all times, because the fucking DoD and Bank of America have both leaked literally everything. https://clark.com/credit/credit-freeze-and-thaw-guide/ is the first result in google on this, but it has good links and info on what that means and how to do it if I lost you somewhere along the way.
     
  13. Dec 2, 2019 at 3:32 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    One day you need to school me in finances. My parents didnt do such a good job and my uncle I live with and dad both are pay cash always people.
     
    synaps3 likes this.
  14. Dec 2, 2019 at 3:59 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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  15. Dec 2, 2019 at 4:53 PM
    MAG GRY TACO15

    MAG GRY TACO15 Well-Known Member

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    Same crap everyone else got
    Pay cash people are responsible people but when in trouble and need a loan are considered limited credit and will most likely need a qualified co signer. See it all the time. My primary job was lending for a while. It's hard to tell someone they don't qualify for a loan bc they have paid cash for everything their whole life. I always had older cars but when I bought my Tacoma, I financed it on a 36 month loan. Paid on it for 13 months then paid it off. I did this so I would have auto loan history on my on my credit report so in the future if I didn't have cash for my cars I could easily finance without getting a high rate bc I didn't have auto loan history on my credit or have to rely on using a cosigner. I put the money i was going to buy the truck with in a CD with a higher rate then I was paying on the loan so the interest was more than offset.
    It's just an easy way to establish better credit history without paying interest and hedging for the future when you need to use credit and don't want to get raped on rates.
     
    Stig, cubie and thewarriordinghy like this.
  16. Dec 2, 2019 at 4:57 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    I have a good score on credit karma. But does having the auto loan make it go up that much?
     
  17. Dec 2, 2019 at 5:03 PM
    MAG GRY TACO15

    MAG GRY TACO15 Well-Known Member

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    Same crap everyone else got
    Credit karma and sites like will not give the most accurate of scores. It also depends on what company they pull from when it's pulled. Experian may be different from TransUnion or Equifax. The auto loan will help your credit score over time as long as you make payments on time. Scores really only determine rates you will get from a lender. Approval is based on what's on your credit, debt to income ratio, job history. Dealer financing is a little different. They will often approve most anyone but will make they pay with the high rate if they have "colorful" credit.
     
    thewarriordinghy likes this.
  18. Dec 2, 2019 at 5:05 PM
    thewarriordinghy

    thewarriordinghy Kyle Busch Wannabe

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    Colorful? I have 9 loans (each semester student loan I took is seperate) and 1 card and it is all in good standing. Does that fare well?
     
  19. Dec 2, 2019 at 5:13 PM
    MAG GRY TACO15

    MAG GRY TACO15 Well-Known Member

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    Same crap everyone else got
    If those are the only things, id still consider that limited credit. "Colorful" is the term I use for bad when I'm talking to the person haha.

    Student loans, while yes they are loans, are a little different than a traditional loan with a set rate, payment, and maturity date. So they are treated differently in the eyes of an underwriter looking at credit. But like I said before, you will probably have no issue financing at the dealership but don't be surprised if your rate is high or a fair amount higher than your local credit Union or bank.
     
    thewarriordinghy likes this.
  20. Dec 2, 2019 at 5:15 PM
    Stig

    Stig Resident smartass

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    Also have to think about credit history, which is part of the score. Scores being mostly bullshit, but a bullshit that you have to deal with.

    Just my opinion and what I'd do...
    With interest rates likely near 2% or less at a credit union, although probably a little more for used car. If you have cash to pay for a car from a dealer I would put the cash in a high yield savings, which is going to earn you a little over 1% and take a credit union loan out for the vehicle.

    I'd much rather borrow the money and pay a little interest over the next years and have cash in the bank for emergencies or any opportunity to make money. You'll also help build credit.

    Same reason I have credit cards with good rewards, to help credit as well as free shit. Everything gets put on credit card and paid off monthly so you earn rewards as well as free extended warranties, rental car insurance, luggage coverage, price guarantees, etc all for free.
     

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