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Just Signed for my 2011 TRD Sport DCSB

Discussion in '2nd Gen. Tacomas (2005-2015)' started by SoxTacoma12, Mar 26, 2011.

  1. Mar 26, 2011 at 11:01 AM
    #1
    SoxTacoma12

    SoxTacoma12 [OP] Member

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    Just got home from the dealership. Bought a 2011 Mag Gray
    TRD Sport DCSB. Pick it up Tuesday. Sticker was just over $32k. Got it for 28500 (with the college rebate, courtesy of the wifes masters degree). They gave me 15k for my 08 VW GTI which had 44k miles...I see them selling for around that- so I made out good there.

    Question...anyone have luck recent getting Toyota to match APRs for financing , they said toyota doesn't do it anymore...I have to finance with them to get the college rebate...rate is around 4.19 or something...local credit unions are doing 2.9.......my sales rep suggested to re-fi with local credit union after purchase...Maybe the finance guy on Tuesday night will hook me up and match.

    Now I just have to wait til Tuesday!
     
  2. Mar 26, 2011 at 11:10 AM
    #2
    RiderOnTheStorm

    RiderOnTheStorm Well-Known Member

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    Congrats on the new Taco bro! If you got the college rebate, that includes financing too. I will be buying a Taco soon and since I'm graduating from college, I plan on cashing in that rebate. From the numerous financing departments I've spoken with, the rebate should be $1000 off the purchase PLUS 1.9 financing.
     
  3. Mar 26, 2011 at 11:15 AM
    #3
    DEEVON911

    DEEVON911 Semi-Pro

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    Bethel Park, PA. Burb of da Burgh.
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    TRD Cat-back Exhaust. Semi-Debadged. Trimmed down stock Antenna. Weathertech vent visors. TRD FJ Cruiser Center Cap Wheel Mod. 265/75/16 Firestone Destination A/T,s . Inverter tapped into for outlet in cab. Tacomaworld sticker which adds 5 hp.
    Congrats on the truck. Not sure about the financing, but you said you got a Sport short bed? Didn't think the sports came with a short bed option.
     
  4. Mar 26, 2011 at 11:17 AM
    #4
    RiderOnTheStorm

    RiderOnTheStorm Well-Known Member

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    Also, if Toyota won't match, why not just go and get the auto loan from the credit union?
     
  5. Mar 26, 2011 at 11:19 AM
    #5
    delrayrasta

    delrayrasta Well-Known Member

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    pro comp stage II lift kit, retro projection HID headlight and fog, bullbar, bed cover and afe S dry intake.
    congrats man, my brother has the same exact truck and mine is the same except i have offroad pkg. you love that truck and the stock trd suspension is soo nice :drool: :drool: :drool: :drool: :drool:
     
  6. Mar 26, 2011 at 11:20 AM
    #6
    SoxTacoma12

    SoxTacoma12 [OP] Member

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    -- then i lose out on the 1k college grad, i asked about doing that...

    also, toyota is not doing 1.9 with college grad special on Tacoma, they are doing 0% on some models , but nothing on Tacoma which they rarely do.
     
  7. Mar 26, 2011 at 11:23 AM
    #7
    RiderOnTheStorm

    RiderOnTheStorm Well-Known Member

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    That's really interesting. Like I said, the two that I have spoken with verbally said that's how the rebate works. I better get this in writing.

    I'm guessing they don't match, but if you qualify at the credit union, then I'd just instantly refinance.
     
  8. Mar 26, 2011 at 11:23 AM
    #8
    ChompsterTacoma

    ChompsterTacoma Well-Known Member

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    Buy it and refi right away. That's what my neighbor did.
     
  9. Mar 26, 2011 at 11:24 AM
    #9
    The1youluv2hate

    The1youluv2hate Well-Known Member

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    Tacomas are rarely discounted .. Only tundras or camrys get nice discounts


    I just bought my taco in sep financed thru capital one
    4yrs at 2%
     
  10. Mar 26, 2011 at 11:27 AM
    #10
    TacoTabe

    TacoTabe Well-Known Member

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    Keep in mind, there is a finance charge that you are paying toyota finance for administering the loan (the loan 'application' and other shit). You will pay another finance charge to the credit union when you refinance. depending on the cost of the finance charges, it may be cheaper for you to ditch the college discount and just go with the credit union.

    Loan charge at most banks is anywhere from $250 to $500, added into the finance amount(so that they can get interest from it); not sure how much toyota's fees are... Just a little FYI to help you make your decision
     
  11. Mar 26, 2011 at 11:31 AM
    #11
    SoxTacoma12

    SoxTacoma12 [OP] Member

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    very good point...I have thought of ditching the 1k for that reason....I am spending somewhere in the neighborhood of 2500 in interest for the life of the loan at 4.1...where as 2.9 would be around 1800....so it is still worth it to take the rebate at that point..however if the finance charges push it over, it wouldnt be worth it...in my experience I never remember toyota having a "finance charge" when I bought my other Toyotas in the past.....I know I had a credit union charge me $75 recently on a different loan
     
  12. Mar 26, 2011 at 11:34 AM
    #12
    Sigi

    Sigi Well-Known Member

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    congrats
     
  13. Mar 26, 2011 at 11:39 AM
    #13
    TacoTabe

    TacoTabe Well-Known Member

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    Congratulations, btw.

    They add the fee into the total amount financed, and the loan officer/finance guy at Toyota may not have been enitirely forthcoming about it in your past experience.

    Bank of America charged me $280(i think) fee for my loan.
     
  14. Mar 26, 2011 at 11:42 AM
    #14
    fletch aka

    fletch aka www.BeLikeBrit.org

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  15. Mar 26, 2011 at 11:42 AM
    #15
    BryWi

    BryWi Psalm 109:8

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    Actually Dave, I believe that the Off-roads aren't available in the LB.

    But the sport comes either way.


    And OP, welcome from Ohio and congrats on the new rig...
     
  16. Mar 27, 2011 at 3:57 AM
    #16
    DEEVON911

    DEEVON911 Semi-Pro

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    Gotcha, thanks. For some reason I thought they came only LB.
     
  17. Mar 27, 2011 at 4:34 AM
    #17
    woody6047

    woody6047 McGrubber

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    Congrats on the new truck!
     
  18. Mar 27, 2011 at 4:51 AM
    #18
    WNYTACOMA

    WNYTACOMA Well-Known Member

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    Congratulations!

    Now, you are in New England. Make an appointment to have that (oil / Carwell, Crown, etc) undercoated A.S.A.P. before the salt hits it.

    I did that with my 09' and and annually, and after 3 Western New York winters, have minimal rusting around the rear springs.

    ...and order your Weathertechs...
     
  19. Mar 27, 2011 at 5:22 AM
    #19
    Taco-NB

    Taco-NB MMMMM Taco's

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    I definitely did not pay any financing fee when I purchased my Taco and we we purchased my wife's Rav4. Toyota does not charge this fee. It is sometimes charged by your dealership and the fee can vary from $0 to $500 or more. What some slime ball dealerships do is "give you a deal" on the price of your vehicle and then charge back some of your discount with this fee. If they try to charge you this fee, tell them you will try to finance elsewhere unless they drop it.

    Grats on the new truck. Too bad you couldn't keep the GTI also!
     
  20. Mar 27, 2011 at 5:51 AM
    #20
    kevinray13

    kevinray13 Taco 4 life!

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    Congrats on the taco. Yes, I also did not get any rebates on my 07 taco. But its the sport package TRD and it has the short bed.
     
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