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Toyota Finance

Discussion in '2nd Gen. Tacomas (2005-2015)' started by thomasr1950, Nov 15, 2008.

  1. Nov 15, 2008 at 11:38 PM
    #1
    thomasr1950

    thomasr1950 [OP] 16 Tacoma TRD Sport

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    Has anyone used Toyota Finace with the special interest rates? I was wondering if they there was any fine print on the contract or other special fees they add on that you wouldn't have if you used your own finance resources. I'm looking at buying an 09 Tacoma & using their finance and don't want any surprises. I know i can save a lot of money vs going thru my CU if they don't have any fine print.
     
  2. Nov 15, 2008 at 11:46 PM
    #2
    ForeRunner

    ForeRunner Scotch before noon. Moderator

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    Drunken Sailor
    Somewhere between Maine and Florida
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    Extra PSI
    Personal experience. TFS has had the best rate I have ever had on a rig.

    I purchased a 2003 Tacoma Extended Cab TRD Package through them at %3.9 nothing hidden I knew my payments up front and set them up electronically.

    What you sign for at the dealer is financed through TFS. Honestly if TFS has a better interest rate and they approve you. Go through them. Just don't let the dealer f$%k you on the price.
     
  3. Nov 15, 2008 at 11:54 PM
    #3
    thomasr1950

    thomasr1950 [OP] 16 Tacoma TRD Sport

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    Thanks for the info. You know the dealers try to sometimes make a little extra & don't tell you. I was wondering if it was as good as it looked. I've been around a while & feel like i can by the paper work if they added anything. I just want it laid out in b&w, don't try to blind side me.
     
  4. Nov 15, 2008 at 11:59 PM
    #4
    ForeRunner

    ForeRunner Scotch before noon. Moderator

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    TFS will finance what the dealer writes up. Their terms are in black and white. Nothing hidden. If you agree with what the dealer writes up on the contract and TFS approves you at the APR you have got nothing to worry about.
     
  5. Nov 16, 2008 at 8:48 AM
    #5
    WilsonTheDog

    WilsonTheDog Kylie's dad

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    Eric
    Myrtle Beach SC
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    Magnaflow 12576 muffler & chrome tip, Westin step bars, 27% tint, Pop N Lock, AFE ProdryS, bed mat, Husky liners, D-rings added, Access Literider tonneau, Pioneer 4-ways all around, GY Wrangler Duratracs 265/75/16, 5100's @ 1.75", 1.5" AAL
    I had financing set up through my credit union and Toyota beat it. There is no fine print that comes a surprise if you've ever financed anything before.
     
  6. Nov 16, 2008 at 8:58 AM
    #6
    Hot Tamale

    Hot Tamale Well-Known Member

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    Pat
    Henderson, NV
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    Back in June I was lucky enough to get the 0% financing if I pay my truck off in 36 months. Sure can't beat that!
     
  7. Nov 16, 2008 at 11:26 AM
    #7
    Simon's Mom

    Simon's Mom Wag More Bark Less

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    great rate greater plan to use somebody's else money to work for you! Excellent!

    I have TFS, mine is 2.9 5yrs, my federal c.u. couldn't touch it either, no hidden fees and I love the online payment info.
     
  8. Nov 16, 2008 at 1:26 PM
    #8
    JDCPA

    JDCPA Well-Known Member

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    Curt Hitch and etrailer.com wiring harness.
    Just purchased my '09 Access Cab financed by Toyota Finance at 0% for 36 payments. Nothing unusual about the terms.
     
  9. Nov 17, 2008 at 2:35 PM
    #9
    praetor

    praetor Well-Known Member

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    +1 on my 08 Access cab. They did offer me 1.9% at 48 months but I took the 0%. Best deal ever.
     
  10. Nov 17, 2008 at 2:44 PM
    #10
    neontrail

    neontrail ✈ ✈ ✈ ✈ ✈ ✈ ✈

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    De-badged, Tint 20%, Blue 48 LED dome-light, .......
    Toyota Finance has been great!!! NEVER any problems!
     
  11. Nov 17, 2008 at 2:47 PM
    #11
    Jester243

    Jester243 mod status????

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    I have used Toyota Finance for two vehicles and no complaints, no hidden suprises. :)
     
  12. Nov 17, 2008 at 2:49 PM
    #12
    dtrujillo63

    dtrujillo63 Well-Known Member

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    +1

    I got locked in at 0% for 60 months on my 08. I was surprised I qualified. At the time I was only 20 and had a 670 +/- credit score. No fine print or nothing, very strait forward.
     
  13. Nov 17, 2008 at 2:56 PM
    #13
    REVHARD25

    REVHARD25 Well-Known Member

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    RUGGED TRAIL PACKAGE
    Tint on front windows. Dnx7120 kenwood. Rear tsb springs. Wet okoles seat covers UWS truck box Weathertech floor mats TSB floor mat hook grommets Satoshi grill AFE drop in filter Fumoto drain valve Bed mat
    Toyota fin is pretty good i did the 2.9% for 60 months ..no hidden charges:D
     
  14. Nov 17, 2008 at 11:59 PM
    #14
    FoxySandChick

    FoxySandChick Well-Known Member

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    07 DC 4x4 Base model V6 Impulse Red Pearl
    De-badged, limo tint, black wet okole's, weathertechs, extra d-rings, TSB bilsteins
    X2, I was surprised they beat the credit union and the bank. Haven't had a problem with them in the past year.
     
  15. Nov 18, 2008 at 5:13 AM
    #15
    Rickochet

    Rickochet Well-Known Member

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    Kentucky
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    '09 Tacoma Access 2.7 4 x 2
    Added VS Wipers, Cruise Control, DRL, Undercover SE Bed Cover
    I bought an '09 Taco about a month ago and used TFS. I was approved and out the door in about 20 minutes. The TFS website is top notch. I am set up auto pay from my checking account. I just got an email yesterday that they were processing my first payment to be withdrawn on the 28th. Lots of info is available about your account including payoff amounts. You can make extra payments whatever. I am very much impressed with. This was my first Toyota purchase and TFS is another great Toyota experience for me. I am 59 and have purchased many vehicles over the years. The whole Toyota experience has been the most pleasant of any purchase I have ever made from the vehicle itself to the dealership and TFS.

    Rick
     
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