My Dream Just Got Shut Down

12.5%!!!!

 

Sell the jeep and get your girl the white rsx in the back of that parking lot. Now she has a cool car that gets great mpgs as well and u have a few grand down payment for the taco!

 

holy shit you would've agreed to a 12.5% rate on a $37,000 truck
wtf

 

If anyone could read; the 12% was not what anyone actually paid nor was it anything the OP said.

 

THANK YOU!

no 12% here, that's ridiculous, my NFCU bank loan is for 1.79%.

And yes I live in Hawaii, shit cost ALOT more, mainlanders don't understand this, we don't even get free shipping on orders over $100 out here

 

little squirt: no probs. i know because i went throught those exact same steps a cople months back. locked into the 1.79% and everythig. nfcu is an awesome credit union. try see if you can find my friend ryan sugihara at servco toyota, maybe he can help you out with the truck, if the other deslership wasnt cutting it.

 

Will do! Thanks for the input!

 

lmao...


Where do you live? I live in Canada and my 4wd trd sport dcsb was 39k

480/month 4 year lease

and that was pretty much dealer cost.. it actually was promise, haha

 

My '09 was 42K taxes in

 

yeah i believe it..

how did you pay for yours? what part of bc do you live in?

 

I'm in the south islands , I bought it in Duncan on Vancouver Island

I put $30K down and financed the rest through Toyota

 

I've never seen Toyota offer 0% on Tacomas, I had to bargain to get them at 2.9% and MSRP at 32K on a 12 TRD OR DBLC, however they did me right on my 07 FJ in which I had plenty of equity in. 28K OTD with a 100K warranty.

 

He's in Hawaii.

 

buy used

 

I like 'em new also, but I have seen some sweet deals on 2 year old tacomas with stock tires and no scratches, 20k miles.

Or as was aaid previously save $400 or 500 a month for a year or so and get one with a decent down payment and a lot better interest rate. This will really bring down your payment.

 

i put down 8, borrowed 8, got 5%, $245 a month for 3 years. . never had a problem with the truck. so...., good for me.

certainly feels like i saved $15,000. however, that's $15,000 worth of new i didn't get to enjoy. stupid me, i h8 truck now

 

Phuc that, I want to buy my 1st brand new truck off the dealership floor after 34yrs of living and probably 14 used cars/trucks Ive owned.

Going to talk to them in the am and see how much it would be to lease it. If it lowers the payments and I can just buy it after wards, why not? I want this truck and every bit helps. wish me luck, going back into the lions den in 14hrs. Lets try a diff approach. I could always sell my rubi and just put 1/2 towards the Taco and 1/2 towards a car for my chicky........hmmmmmm that would lower my payments......or just trade it in on the taco and get a another small loan for my girls car?

 

I leased mine, if anything its a better choice than financing.. just buy it out after, these trucks have excellent retail value, and you can sell it after a year of owning anyways and not be in a negative equity situation, OR, if in the unfortunate event of an accident, you can just give it back to the dealership after your term is over instead of keeping a truck with a big dec on it.

 

Are used Tacos that much cheaper?