Toyota Finance Rates (San Diego anybody know?

Just wondering if anybody can give me a ballpark on the rates?

 

Check out Toyota.com I think they give the rates on the site

 

I don't know what interest rates are on the Tacoma's right now, but when I purchased mine last Oct my credit union rates were lower then Toyota, they matched it with 20% down.

 

I got mine 6 months ago and got 4%. Alot better than my credit union was offering.

 

Purchased Tacoma Access Cab in April, 2010. Got 5.5% with excellent 844 FICO score from Toyota Financial. For double cabs, they were offering 2.9%. Mostly all other Toyotas & Tundras, 0.00%. Not a great rate, but better than my credit union offer of 7%.

Few months later, refi'd it online through up2drive.com @ 4.9%. Not much lower, but in the long run, it adds up to savings. Zero costs associated with refi., and was quick & simple. Up2drive is a subsidiary of BMW finance.

 

I got a 4.25% from Toyota, thats with $7K trade in and $3K down, the less you finance the lower your rate, I financed $18K for 48 months, if I would increase my down payment and go for 36 months I would have got a 4% rate.
When any bank see's when you finance much less than the truck is worth, they will almost give the money away, the bank see's equity in your truck when they repo it, like I owe $18K on a truck thats worth $28K, the bank is looking at making $10K if they repo it.
Thats the reason why I suggest not to add any expensive add on's to your truck untill its paid off and you own it, you can get sick and lose your job and later won't be able to make the payment and the bank takes it with all the money you spent on accessories is gone.

I know an example where a person owned a 2007 F150, there was only $1500 left on his loan, he got sick, lost his job, could'nt make the monthly payment and the bank repo'ed it, the truck was worth around $10-15K, but he didn't get any of that, the bank made out big money on his misfortune. Used car lots are filled with repo's from banks.

trying to help, making you you guys think,,

 

Got mine last sept. 3.99% x 60mos w/ trade only (2005 corolla) through usaa. Dealer was willing to match but I almost always go through usaa for damn near everything.

 

Thanks for the info appreciate it. I suppose I will find out here in a day or two I was just curious so I could get a close prediction of my payments. Thanks again!