TRD package worth it?

when you said “most” you’re likely correct. Some people on a forum miss few chances to let everyone else know how awesome they are.

“I never finance” isn’t uncommon, usually communicated with a dash of indignation.

 

Love the “I’ll never finance” gang when you can get more interest on a savings account than you’re charged on a loan

 

I’m surrounded by it, so I may be over sensitive….LMFAO

 

If you haven’t bought already. As little as it appears the truck will be driven imo the manual sr 4x4.

 

Got proof?

 

2.99% for the remaining picked over 24s or 4.75% on 25s, vs <1% on a bank savings account, 3-4% on Cds, or 13% S&P 500 (last 5 years). Most won't qualify for the better loan rates and most won't put any money into savings.

 

We were able to get 0.9% on our 2024!

 

Who financed your truck?

 

Toyota

 

that took long enough.

 

I ignore a lot of the stupid shit. Sometimes it’s more fun to have people backup their mouth.

 

My sister just bought her ‘25 at 2.99%. Ally savings is 3.5% right now.

I bought mine at 3.99 (TFS) in December and am still getting 4% at my local CU

I’m not going to screenshot it, you can look around

 

You gotta find a new bank if you’re only getting <1% on savings

 

If my grandfather was here he’d say we were “pickin’ fly shit out of pepper”.

 

Yeah, I’m not in it for the gains, but if the cost is zero and I get to keep $35k more in liquidity, I’ll do it

that’s a lot of emergency cushion for most people

 

Yea, I looked around before commenting. I have an Ally account but they aren’t the best on the market right now.

As for financing, I won’t finance unless the rate is below 2%. Usually I only finance if I perceive I will get an additional discount on the vehicle.

Just joshing you earlier.

 

All day long... I call that Bugout cash!

or Leverage

OPM

 

Most people finance because they don’t have the $50k cash laying around.

 

Those that do often should finance anyway

 

Apparently, for their credit score? If people can buy brand new, with no car loan, no need worry about it. Do something else.