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re: Build my toyota estimates 9% finance rate for excellent
Posted on 8/14/25 at 4:34 am to bleedsgarnet
Posted on 8/14/25 at 4:34 am to bleedsgarnet
I've reached a point in my life where i'm done financing anything. I'll keep a CC if I feel the need to, but interest rates are just crazy for anything and everything. I don't need it.
0
Posted on 8/14/25 at 4:47 am to Musket
My credit union is 3.99
Posted on 8/14/25 at 5:11 am to bleedsgarnet
Never use dealership financing.
Posted on 8/14/25 at 5:14 am to Kolbysfan
quote:
1.9% on my Mazda cx-50. Through Mazda.
I too just recently got 1.9% for 72 months on my 2025 CX-50 although I’ll probably end up paying it off much sooner
Posted on 8/14/25 at 7:46 am to bleedsgarnet
Looks like the only Toyotas without incentive rates are 4Runner and sienna. Most others have rates at 5% and below.
Some vehicles dont need special rates to sell. A lot of times it’s a matter of timing. With specific cars and market rates. Even banks will adjust a bit based on the specific vehicle, but you will find a better rate more aligned with your credit score if you finance outside of Toyota. IMO, only use in house financing if they are offering an incentive.
It’s also much easier to negotiate a cash price, in fact I’m not sure how anyone can know if they got a good deal if they aren’t focused on the cash price - for the new vehicle and/or the trade in.
Some vehicles dont need special rates to sell. A lot of times it’s a matter of timing. With specific cars and market rates. Even banks will adjust a bit based on the specific vehicle, but you will find a better rate more aligned with your credit score if you finance outside of Toyota. IMO, only use in house financing if they are offering an incentive.
It’s also much easier to negotiate a cash price, in fact I’m not sure how anyone can know if they got a good deal if they aren’t focused on the cash price - for the new vehicle and/or the trade in.
Posted on 8/14/25 at 7:48 am to BabyTac
quote:
Pay cash. If you can’t, buy something you can actually afford.
FWIW… my credit score is 803, not that I need it.
Ah yes, the 800+ credit score poster that only pays in cash.
Posted on 8/14/25 at 8:21 am to bleedsgarnet
Son just got 5% through GM and I think he is sub 800.
Posted on 8/14/25 at 8:45 am to SG_Geaux
quote:
They are offering 4.9 for 60 mos on most vehicles and 1.9 on Tundras
Yota admits they kilt the Tundra. 
Posted on 8/14/25 at 8:50 am to kywildcatfanone
quote:
Never use dealership financing.
Eh.
Sometimes incentives are tied to it, and it might well be the best deal you can get, especially if you just pay it off after the first month.
Posted on 8/14/25 at 8:52 am to Rize
quote:
I just got 4.98 with an 831 credit score on Saturday.
What was the term on it?
Posted on 8/14/25 at 8:53 am to bleedsgarnet
quote:Rookie numbers brah, you gotta get them up.
Credit...over 750...
Posted on 8/14/25 at 8:58 am to OceanMan
quote:
It’s also much easier to negotiate a cash price, in fact I’m not sure how anyone can know if they got a good deal if they aren’t focused on the cash price -
I would never tell a salesperson I am paying cash up front. Tell them you want to work the out the door price first, then discuss financing after. If they know you intend to pay cash up front, that is money out of their pocket and they will try to make that up on their selling price.
This post was edited on 8/14/25 at 9:00 am
Posted on 8/14/25 at 9:11 am to Traveler
quote:
I would never tell a salesperson I am paying cash up front. Tell them you want to work the out the door price first, then discuss financing after. If they know you intend to pay cash up front, that is money out of their pocket and they will try to make that up on their selling price.
By cash price I mean selling price. Settle on the new vehicle price first. Then negotiate trade-in in the same way, two separate transactions. Once that is settled, you get net out the door, then you talk financing if necessary. Again this is basically another transaction/negotiation
The main point is that financing is a personal decision and the dealer shouldn’t have any control over that. Know what you expect to pay before making an offer.
Many people do the exact opposite, they have a payment in mind which allows the dealer to use all the levers. It blows my mind how much people lose on vehicles just being completely uninformed.
Posted on 8/14/25 at 9:20 am to LNCHBOX
quote:
Ah yes, the 800+ credit score poster that only pays in cash.
Im 100% credit free, except for a credit card I pay off monthly that I use for most expenses. I havent owed money on a loan in over a year, a Rundra I bought at 0% interest, so i let it carry to full term.
My credit score has dropped from the 830s to 790. It's retarded, but I dont plan on applying for credit for a long time, if ever.
Posted on 8/14/25 at 9:35 am to armsdealer
quote:
Get a Subaru. 0% on a lot of models.
If you insist on using the car company that peaked in 2006, Keesler has been sending non stop emails with 3.99% interest on car loans. I test drove a lot of Japanese cars the past 1.5 years, Subaru, Mazda, Honda all have better packages, especially for the money. I wish I could still buy a new 2006 Tundra, I'd get a double cab with 4.7 and drive the wheels off of it, if I would have just kept my 2003 access cab, it was better built than my 2008.
My wife bought a Volkswagen 3 months ago with zero interest for 60 months. When she mentioned it to me I told her it was a scam but apparently it wasn't, the 60 months of payments are almost to the dollar (last payment will be $7 less if memory serves) of what the purchase price was. All in with taxes and dealer fees etc she paid about 90% of the sticker price so a decent if not good deal. It is a Volkswagen though so time will tell LOL....
Posted on 8/14/25 at 10:17 am to AwgustaDawg
quote:
It is a Volkswagen though so time will tell LOL...
You'll ditch it well before the 60 month pay off.
Posted on 8/14/25 at 10:39 am to BigGreenTiger
quote:
What was the term on it?
60 months.
Posted on 8/14/25 at 11:19 am to One72
quote:
Goddamn chicken tax. Reverse this shite already.
fricking American government can’t even give us this $10,000 Hilux so went don’t go fricking broke.
Ten thousand dollar Hilux
This is what yall should think about when voting.
If I were President, chicken tax would die as soon as possible.
Give the people what they want already.
No arm rests.
No Air bags.
No ABS.
No emissions controls to speak of.
139 HP, and look at the weight on Toyota's website, not what the US trade rags quoted. Heavier than a F150.
No AC.
Only people utterly ignorant of the auto industry think the chicken tax keeps Toyota from bring the IMV 0 (it is NOT a Hilux) here. Not a single damned one of you would buy it if they did bring it here. Which they won't, because it is completely uncertifiable for crash, emissions, and even the most basic of FMVSS standards.
This is a 3rd word tractor. You can buy one at your local Mahindra dealer. It's called a Roxor. It's not legal for US on-road use either. And not many of you are buying them. They do the exact same thing that Toyota could do to avoid the chicken tax - ship them here as kits and assemble them. Toyota doesn't want to.
Posted on 8/14/25 at 11:25 am to Musket
quote:
Credit union or your own bank.
And shop those too.
I used Campus Federal for mine and UFCU for my wife's cars in the past few years.
Posted on 8/14/25 at 12:39 pm to Dirt Booger
quote:
frick credit scores. I make 6 figures and have zero debt and my shite is dropping because I don’t have loans.
You're leaving money on the table. Get
a 2% cash back credit card, set it to auto pay so you can forget about it and never pay a penny of interest, use it to pay for everything (everything that doesn't add a surcharge above 2% for using a CC) and you'll have an account building cash that you've put nothing into.
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