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Is this a good price for 2012? & credit unions?

Discussion in '2nd Gen. Tacomas (2005-2015)' started by firsttacoma07, Mar 25, 2013.

  1. Mar 26, 2013 at 9:34 AM
    #21
    white08gt

    white08gt Well-Known Member

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    the price they quoted is to high. you have to figure in usually higher interest rates for a used vehicle, probably going to need new tires soon, I think new would be better. look on Edmunds like someone else said, put in the options listed and mileage, plus look at new prices. usually on Edmunds they show incentives Toyota offers, cash back or lower rates. for me I usually take the cash and put it towards the finance price, then go thru a credit union. end of the month is the time to buy, so go shop around.
     
  2. Mar 26, 2013 at 11:33 AM
    #22
    firsttacoma07

    firsttacoma07 [OP] Member

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    I'm looking to trade in 06 titan! A small local dealer offered me 7k when I was looking for base access cab couple months ago...would hope a big dealer like Toyota could give a bit more
     
  3. Mar 26, 2013 at 2:40 PM
    #23
    bjboucher

    bjboucher Mama says Tacoma World is da devil!

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    I've been using USAA for insurance for years. I can't say if they're the cheapest, it's been a long time since I called around. Never had to use them for a real accident but they've helped us fix a couple self inflicted dents with no hassle. Definitely a good company with good customer service. Can't hurt to call and see if they can beat what you have now.
     
  4. Mar 26, 2013 at 3:18 PM
    #24
    moondeath

    moondeath Plenty of slaves for my robot colony?

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    This is totally dependent on miles driven per year and depreciation of a vehicle. In the example of a tacoma, anyone not driving a ridiculous amount if miles isn't going to be hurt by a 72 month loan. Value will hold and worth of vehicle will be more than the loan payoff.
     
  5. Mar 26, 2013 at 4:22 PM
    #25
    rickcrna

    rickcrna Well-Known Member

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    I see some of you have predictably missed my point. If you require a truck loan lasting 60 to 84 months in order to make your payments manageable, then you probably have difficulty regularly contributing to an emergency fund, savings account, retirement, etc.

    Arguing about miles driven per year and truck depreciation is nothing more than bloated rationalization....which by the way....is easy to do.
     
  6. Mar 26, 2013 at 4:32 PM
    #26
    moondeath

    moondeath Plenty of slaves for my robot colony?

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    This isn't true at all. I had originally gotten a 72 month loan on my tacoma and still have plenty in my savings and continue to put in.
     
  7. Mar 26, 2013 at 4:42 PM
    #27
    Ghoster

    Ghoster Well-Known Member

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    He did say probably. That would mean their are exceptions to the statement he is making. That would mean his statement is true, just not all the time!:D
     
  8. Mar 26, 2013 at 9:53 PM
    #28
    rickcrna

    rickcrna Well-Known Member

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    Thanks Ghoster! Nice to see another person from Ballamer on here. I was born and raised there. Miss those crab cakes!
     
  9. Mar 26, 2013 at 10:27 PM
    #29
    aguabonita

    aguabonita Well-Known Member

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    Tell me more. Is that region specific? Could I go with that and then pay the whole thing off in a year if I had the means without penalties?
     
  10. Mar 27, 2013 at 2:02 AM
    #30
    DunhamAll

    DunhamAll Well-Known Member

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    I think people disagree because you are simplifying a situation that is more complex. Maybe one chose to go with a longer term loan to continue making contributions to savings and emergency funds while also leaving flexibility. The option to have a lower payment but periodically pay 1.5 or 2X monthly payments pays off the loan in a time frame you seem to comfortable with. In the end, length of the loan term isn't the issue; your real point is how long it will take a person to pay off the loan completely along with interest rate.

    There are an increasing amount of affordable interest option loans with 60+ month terms. I doubt you would argue that my credit union's 1.9% rate would be a bad choice. Couple that with a personal plan to pay off in 4-5 years (4 double payments/yr on a 72 month loan) I think that's a hard to beat deal.
     
    Last edited: Mar 27, 2013
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