Is that truth taco never have a 0 interest?

With rates as low as they are the wiser decision would be to finance.

 

Same, I think it can work both ways but I choose not to judge either way because obviously if you have 35k sitting around in a savings and you have no need for it (not sure why its not invested otherwise, but) then it would be smart to not pay the interest. However, I can invest better than the 2.5% interest on my truck so i chose to put zero down and invest otherwise.

 

There will always be individuals judging people for financing automobiles as they are programmed to believe

"if the person financed it they can't afford it and why would finance a depreciating asset that isn't making you any money?" is their thought process.

I don't judge either way as well because anyone buying a $30k+ vehicle either is well established or have a good paying job.

Personal Finance opinions should not be brought up in these threads but it always happens.

 

I got 0% on my last Tacoma (2014) and I have seen it a few times but when I got my new 2016 Tacoma I got 2.54% through my credit union

 

Correct! If you can afford it, great! if you can't afford it, great! We all still own the same truck.

 

I'm paying over 4%. Dang it!

 

Its never too late to call a bank and have them finance it!

 

The dealer locked me in at 3.75, then Toyota changed it to 3.0 when they filled out the financing paperwork, then I refinanced at a local CU and have it 1.47% now.

I ain't no chump.

 

In 2008 during the recession there was a brief period of time Toyota offered 0% on the Tacoma. That was the last time. These trucks sell too well to offer it.

 

I have 0% interest for a 3rd Gen.

 

Call Bank of America or Citizens (Or go online and fill out creidt apps) you can get preapproved through them for very low rates prior to going to dealerships. IF you have pretty good credit it'll be the best way. They are always the lowest unless toyota has some special offer. If you go through the dealership and there is no offer from toyota they'll mark their bank rate up to 2.5% and screw you. Also when you go in ask for the sale price to be $500 under invoice and if they say no go to a different dealer one of them will say yes and you'll get a very good deal. (I work for Lincoln so I'm not just talking out of my ass) If you don't want to go with the first route then when they come back with a finance rate ask them to see the bank rate not marked up and that's the one you'll take.

 

I bought mine with 0% interest

 

Realize the protected privileged class of Bankster's have had unlimited access to the FED window "Virtually Free Money" since 2008.They still make a good spread at 3%.

 

I signed on mine for a 3.2% rate through Toyota for 6 years. 2 weeks later I randomly got a letter in the mail saying they dropped it to 2.2% haha I for sure wasn't going to complain

 

State Farm sucks,I just dumped them after 20 years because they charged me twice (no accidents ever) what I now pay with USAA.

 

I ordered my MT off road Nov. 2015 and it came in Feb. 2016. Had an offer from my credit union for around 2.5%, but Toyota Financial at the dealership offered 1.8% for 5 years.

 

Did you ever get your Taco back?

 

This is true, it makes a bad "investment" worse...

 

2% Toyota financing was the best i could get