1. Welcome to Tacoma World!

    You are currently viewing as a guest! To get full-access, you need to register for a FREE account.

    As a registered member, you’ll be able to:
    • Participate in all Tacoma discussion topics
    • Communicate privately with other Tacoma owners from around the world
    • Post your own photos in our Members Gallery
    • Access all special features of the site

What interest rate are you paying on your Tacoma?

Discussion in 'Off-Topic Discussion' started by goufcustom, Jan 18, 2012.

?

What's your interest rate?

  1. 0.0 - 2.0 %

    24 vote(s)
    9.6%
  2. 2.1 - 3.0 %

    54 vote(s)
    21.5%
  3. 3.1 - 4.0 %

    65 vote(s)
    25.9%
  4. 4.1 - 5.0 %

    32 vote(s)
    12.7%
  5. 5.1 - 7.0 %

    24 vote(s)
    9.6%
  6. 7.1 - 9.0 %

    11 vote(s)
    4.4%
  7. 9.1+ %

    6 vote(s)
    2.4%
  8. So High I dont want to say...

    3 vote(s)
    1.2%
  9. Its paid off.

    39 vote(s)
    15.5%
  1. Jan 18, 2012 at 7:44 AM
    #1
    goufcustom

    goufcustom [OP] 7.62x63mm

    Joined:
    Oct 3, 2011
    Member:
    #64586
    Messages:
    1,328
    Gender:
    Male
    First Name:
    Michael
    Leonardtown, MD
    Vehicle:
    2006 4x4 TRD Off Road DC SR5
    Bed Topper, Diff Breather, aFe Cold Air Intake, Satoshi Grill, Moved Horns, Oil Catch Can, Tailgate Lock, Husky Mud Flaps, H4 65/70W Bulbs, Lower Grill Mesh, TRD Skid Plate, LEDs in the bed, LEDs behind the grill for accent lighting, Parking lights as turn signals, LED turn signals and reverse lights, 5100s up front, eibachs up front, SS extended brake lines all around, 1.5" AAL in the rear, Relentless Fab U-Bolt Flip Kit, ICON Progressive AAL, TRD Wheel Center Caps, HomeLink, Heated Driver Seat, Hella 500 FF Driving Lights, BAMF Diff Skid, BAMF LCA Skids, BAMF Rock Sliders w/ KickOut.
    I got 4.23% on mine for 60 months.

    I also got 3.99% on my wifes CR-V for 48 months.

    Both vehicles were purchased used, so the incentive financing from local banks was not as good as new cars at 1.99%

    I pay weekly on both cars (my bank let me set it up automatically) and I am 6 to 10 month ahead on both of them.
     
  2. Jan 18, 2012 at 7:46 AM
    #2
    babytruck

    babytruck Babytruck, babytruck...I've got a babytruck :)

    Joined:
    May 17, 2011
    Member:
    #56797
    Messages:
    9,026
    Gender:
    Female
    NorCal
    Vehicle:
    2010 Barcelona AC 4x4 4.0 6spd
    It's cheaper not to do car payments. Interest paid out vs. interest gained.
     
  3. Jan 18, 2012 at 7:47 AM
    #3
    911tacoma

    911tacoma Well-Known Member

    Joined:
    Apr 17, 2011
    Member:
    #55077
    Messages:
    159
    Gender:
    Female
    First Name:
    Wendy
    Tennessee
    Vehicle:
    11 DC 4X4 TRD
    window tint, rocky mount bike rack, debaged tailgate, blacked door badges, wheels so far
    1.9% Credit Union...
     
  4. Jan 18, 2012 at 7:48 AM
    #4
    Andrew H

    Andrew H What is this "search" you speak of?

    Joined:
    Nov 6, 2008
    Member:
    #10545
    Messages:
    4,255
    Gender:
    Male
    Dirty Tucson
    Vehicle:
    2010DCSB4X4TRDORMGM
    See build thread.
    True story babytruck.

    My first Tacoma was 1.9%.

    My second gen is 6%. That's with over 60% of it being paid for before driving off the
    Lot.
     
  5. Jan 18, 2012 at 7:51 AM
    #5
    carcharias

    carcharias Giggiddy what what

    Joined:
    Jan 9, 2011
    Member:
    #48988
    Messages:
    4,676
    Gender:
    Male
    First Name:
    Mike
    Los Angeles, CA
    Vehicle:
    '11 AC MGM OR
    Kings all-around w/ 700lb coils, Dakar leaf pack, TC uca's, DO single hoop bumper, BAMF bolt-on sliders w/ kickouts, Rigid 20" e-series spot/flood, aFe pro-dry, BFG KM2 255/85/16, silver TRD FJ wheels, WARN M8000-s, Access LE, Grillcraft, BAMF lightbar, BAMF rear dif skid, BAMF LCA skids, window tint, Wet Okoles, WeatherTech floorliners, Silverstar lights, led dome lights, Redline Tuning hood struts, center console lock mod, mag-lite mod, extra d-rings, re-routed exhaust, ATO skids, ATO Hi-Lift mounts, pipe tailgate lock, seatbelt alarm delete, wheel/spare locks, Viper 5901, LoJack... WISHLIST: a golden canary that poops platinum
    2.9% for 5 years thru Toyota Financial. Am about 3 years ahead of schedule. Financing for me, bt, was a way to better my credit score.
     
  6. Jan 18, 2012 at 7:53 AM
    #6
    HRDTACO

    HRDTACO Well-Known Member

    Joined:
    Apr 19, 2011
    Member:
    #55188
    Messages:
    258
    Gender:
    Male
    First Name:
    Sean
    Long Beach
    Vehicle:
    '12 Prerunner DCLB
    to come!
    4.9% here for me through toyota financial... not too bad since im only 22 years old and the truck is a 2012 :)
     
  7. Jan 18, 2012 at 7:57 AM
    #7
    Hot Tamale

    Hot Tamale Well-Known Member

    Joined:
    Jun 23, 2008
    Member:
    #7496
    Messages:
    6,312
    Gender:
    Female
    First Name:
    Pat
    Henderson, NV
    Vehicle:
    2012 Access Cab 4x2
    2.79% with Bank of America.
     
  8. Jan 18, 2012 at 7:57 AM
    #8
    babytruck

    babytruck Babytruck, babytruck...I've got a babytruck :)

    Joined:
    May 17, 2011
    Member:
    #56797
    Messages:
    9,026
    Gender:
    Female
    NorCal
    Vehicle:
    2010 Barcelona AC 4x4 4.0 6spd
    For those of you who are paying the higher finance rates, after a few months, refinance it with a lower rate, no cost loan and if you can afford it, shorten the payment years by doubling the principle.

    You will still get a great credit score, pay it off faster and pay less interest.
     
  9. Jan 18, 2012 at 8:01 AM
    #9
    makeshiftTaco

    makeshiftTaco Well-Known Member

    Joined:
    Nov 21, 2011
    Member:
    #67458
    Messages:
    279
    Gender:
    Male
    First Name:
    Andrew
    New York
    Vehicle:
    09 TRD Sport
    Undercover Tonneau, Black Emblems, Weathertech Digifits, TRD Shift Knob, TRD Exhaust, Avid Light Bar, TRD Skid, Thin-lip Satoshi, Devil Horns, AFE Stage 2 SI, URD SS
    interest rate? what's that?
     
  10. Jan 18, 2012 at 8:01 AM
    #10
    joneill03

    joneill03 Look away, I'm hideous!

    Joined:
    Oct 26, 2009
    Member:
    #24912
    Messages:
    3,353
    Gender:
    Male
    First Name:
    Johnny-5
    Chantilly, VA
    Vehicle:
    Silver 2010 OR
    2.9 with penfed.
     
  11. Jan 18, 2012 at 8:03 AM
    #11
    whippersnapper02

    whippersnapper02 Well-Known Member

    Joined:
    Dec 20, 2009
    Member:
    #27905
    Messages:
    35,266
    Gender:
    Male
    First Name:
    Christian
    Yorba Linda, CA
    Vehicle:
    10 MGM TRD OR 4wd Auto DCSB
    Banks Monster Exhaust, Pop n Lock tailgate lock, Hook-Ups tie down brackets, USA Spec Ipod adaptor, WO seat covers, color matched grill with Grillcraft insert, Tuffy locking bed box
    5.9 for 7 years but I will have it paid off at the end of this year so only 3 out of the 7 years to pay it.
     
  12. Jan 18, 2012 at 8:10 AM
    #12
    goufcustom

    goufcustom [OP] 7.62x63mm

    Joined:
    Oct 3, 2011
    Member:
    #64586
    Messages:
    1,328
    Gender:
    Male
    First Name:
    Michael
    Leonardtown, MD
    Vehicle:
    2006 4x4 TRD Off Road DC SR5
    Bed Topper, Diff Breather, aFe Cold Air Intake, Satoshi Grill, Moved Horns, Oil Catch Can, Tailgate Lock, Husky Mud Flaps, H4 65/70W Bulbs, Lower Grill Mesh, TRD Skid Plate, LEDs in the bed, LEDs behind the grill for accent lighting, Parking lights as turn signals, LED turn signals and reverse lights, 5100s up front, eibachs up front, SS extended brake lines all around, 1.5" AAL in the rear, Relentless Fab U-Bolt Flip Kit, ICON Progressive AAL, TRD Wheel Center Caps, HomeLink, Heated Driver Seat, Hella 500 FF Driving Lights, BAMF Diff Skid, BAMF LCA Skids, BAMF Rock Sliders w/ KickOut.
    Thanks for your wisdom...
     
  13. Jan 18, 2012 at 8:11 AM
    #13
    babytruck

    babytruck Babytruck, babytruck...I've got a babytruck :)

    Joined:
    May 17, 2011
    Member:
    #56797
    Messages:
    9,026
    Gender:
    Female
    NorCal
    Vehicle:
    2010 Barcelona AC 4x4 4.0 6spd
    My wisdom only helps me, doesn't help others much. Why are you asking?
     
  14. Jan 18, 2012 at 8:21 AM
    #14
    jeremy_283

    jeremy_283 Super Member

    Joined:
    Dec 14, 2008
    Member:
    #11569
    Messages:
    1,418
    Vehicle:
    08 TRD Offroad Access Cab 4x4 Auto 4.0L
    Hella Rallye 4000 Cornering Lights PIAA 510 Fog Lights All Pro Front Bumper All Pro Rear Bumper All Pro Transfer Case Skid All Pro IFS Skid All Pro Rock Sliders All Pro High Clearance Hitch OME Dakar Leaf Springs OME Rear Shocks OME Front Shocks OME 885 Front Coils Wet Okole Seat Covers WeatherTech Floor Liners Sony Head Unit JL XD600/1 Amp 2 JL Audio 10” Subwoofers Custom Subwoofer Enclosure Kenwood Front Speakers Sony Rear Speakers Sound Deadening Mats LED Interior Lighting Pop N’ Lock Tailgate Lock Viper Alarm System Extra D-Rings In Truck Bed Maglite Seat Mount Disable Seatbelt Chime Rear Differential Breather Relocation Hi-Lift Bed Mount Flexible Front Mud Flaps 110v Inverter Always At 400w ABS Kill Switch Locking Center Console Removed Sway Bar
    Did your credit go down the crappper since the first truck?
     
  15. Jan 18, 2012 at 8:28 AM
    #15
    joneill03

    joneill03 Look away, I'm hideous!

    Joined:
    Oct 26, 2009
    Member:
    #24912
    Messages:
    3,353
    Gender:
    Male
    First Name:
    Johnny-5
    Chantilly, VA
    Vehicle:
    Silver 2010 OR
    Quite possibly it was more like the economy went down the crapper but just a thought. I have excellent credit and TFS would only give me 5.25%. I went with it then refinanced through credit union later.
     
  16. Jan 18, 2012 at 8:28 AM
    #16
    goufcustom

    goufcustom [OP] 7.62x63mm

    Joined:
    Oct 3, 2011
    Member:
    #64586
    Messages:
    1,328
    Gender:
    Male
    First Name:
    Michael
    Leonardtown, MD
    Vehicle:
    2006 4x4 TRD Off Road DC SR5
    Bed Topper, Diff Breather, aFe Cold Air Intake, Satoshi Grill, Moved Horns, Oil Catch Can, Tailgate Lock, Husky Mud Flaps, H4 65/70W Bulbs, Lower Grill Mesh, TRD Skid Plate, LEDs in the bed, LEDs behind the grill for accent lighting, Parking lights as turn signals, LED turn signals and reverse lights, 5100s up front, eibachs up front, SS extended brake lines all around, 1.5" AAL in the rear, Relentless Fab U-Bolt Flip Kit, ICON Progressive AAL, TRD Wheel Center Caps, HomeLink, Heated Driver Seat, Hella 500 FF Driving Lights, BAMF Diff Skid, BAMF LCA Skids, BAMF Rock Sliders w/ KickOut.
    Most people dont have the cash to buy a $15k to $35k vehicle outright, so saying that payments are more expensive is obvious, and also not an option for most poeple.
     
  17. Jan 18, 2012 at 8:31 AM
    #17
    OZ-T

    OZ-T All of those moments....will be lost.....in time

    Joined:
    Dec 15, 2009
    Member:
    #27584
    Messages:
    22,153
    Gender:
    Male
    First Name:
    Peter North
    British Columbia
    Vehicle:
    Mag Grey 09 Trd Sport DCLB 4x4
    OME 885x , OME shocks and Dakars , Wheelers SuperBumps front and rear , 275/70/17 Hankook ATm , OEM bed mat , Weathertech digifit floor liners , Weathertech in-channel vents , headache rack , Leer 100RCC commercial canopy , TRD bedside decals removed , Devil Horns by Andres , HomerTaco Satoshi
    I put $30K down on my truck and paid the remaining $12K over 3 years at 5.9%

    FU Toyota Canada
     
  18. Jan 18, 2012 at 8:35 AM
    #18
    jeremy_283

    jeremy_283 Super Member

    Joined:
    Dec 14, 2008
    Member:
    #11569
    Messages:
    1,418
    Vehicle:
    08 TRD Offroad Access Cab 4x4 Auto 4.0L
    Hella Rallye 4000 Cornering Lights PIAA 510 Fog Lights All Pro Front Bumper All Pro Rear Bumper All Pro Transfer Case Skid All Pro IFS Skid All Pro Rock Sliders All Pro High Clearance Hitch OME Dakar Leaf Springs OME Rear Shocks OME Front Shocks OME 885 Front Coils Wet Okole Seat Covers WeatherTech Floor Liners Sony Head Unit JL XD600/1 Amp 2 JL Audio 10” Subwoofers Custom Subwoofer Enclosure Kenwood Front Speakers Sony Rear Speakers Sound Deadening Mats LED Interior Lighting Pop N’ Lock Tailgate Lock Viper Alarm System Extra D-Rings In Truck Bed Maglite Seat Mount Disable Seatbelt Chime Rear Differential Breather Relocation Hi-Lift Bed Mount Flexible Front Mud Flaps 110v Inverter Always At 400w ABS Kill Switch Locking Center Console Removed Sway Bar
    Buy Used! :rolleyes:

    That's your option :brianr:




    "You must live like no one else so later you can live like no one else" - Dave Ramsey
     
  19. Jan 18, 2012 at 8:51 AM
    #19
    MurphyZ

    MurphyZ Well-Known Member

    Joined:
    Jan 10, 2009
    Member:
    #12441
    Messages:
    731
    Gender:
    Male
    First Name:
    I HATE SPICYTACOS
    Barksdale AFB
    Vehicle:
    89 SAS 3.4 1st gen 4runner
    3.4 swap cut hood for clearance exhaust x-over and magnaflow muffler lockright in the rear SAS 83 toy axle (Wab-Fab) 4xinnovations sliders roof rack from 2nd gen for kayak.
    6.0% at 75 payments toyota financial

    i was young and didnt haggle % just cost. i learned the hard way.

    4-5 months ahead now and every tax refund check i put towards principal
     
  20. Jan 18, 2012 at 8:57 AM
    #20
    facemob

    facemob Well-Known Member

    Joined:
    Feb 27, 2010
    Member:
    #32230
    Messages:
    322
    Gender:
    Male
    First Name:
    Chase
    1st state
    Vehicle:
    03 V6 Manual, TRD
    OME 881, Nitrochargers front and rear, diff drop, Wheelers 3 Leaf AAL, Supertop, shitty brush guard and a hole in the muffler
    definitely was at 8% of some shit back in 2008 when i bought an 03 used. then the economy hit the bricks. Correct me if i'm wrong, but i thought interest rates went down to influence new vehicle purchases during that time, no?
     
To Top