Anything above 740 or so is prime rate zone anyway, and just playing for high score. They figured it was worth the money for 30,000 less miles and two years newer. Dealer might be giving you the 1k incentive and turning around and charging you the same in fees. When you're ready to sell get as many appraisals as possible. I drove one two weeks ago. I have my score from Credit Karma but the dealership told me they got a different score. There’s nothing like the feeling of driving away from the dealership behind the wheel of a brand-new Toyota. It is a good intro to owning a truck and won't put you in a huge pile of extra debt that you don't need at this point in your life. But the number of accounts goes up, which does help. Just rolled over 200k last month. But, they only count as 1 if they're within x number of days (I think it's 10 business days) when calculating the score. Maybe a wash. Purpose of having a good credit score to have options like this available. 3-5. Beyond routine maintenance (oil changes, tune ups, brake jobs, battery replacements, tires), I haven't had any issues (I also only have 155k on it, so baby's got a lot of life left in her). Pros and cons of each or in the end in the extra cost for new minimal? People recommend Honda and Toyota models for their perceived reliability advantages over rivals. Such well built machines. Service Rentals. For the benefit of 1k, yeah I'd do it in a heartbeat. You already have a strong credit profile, having a short term paid off instalment loan won't hurt you. Pretty insane. Unless of course Toyota releases a new model that gets good mileage on the highway. Price LeBlanc Toyota. Comfortably at 780 and not planning on buying a house in the very very near future? Power and Consumer Reports, suggesting they are highly reliable. What else am I missing? You may find these sections particularly useful; Will paying in cash or a large cash down payment offer me leverage in negotiations? I've never bought a new car, but it's hard to argue with that. If you are buying new buy last years model of you want to save more money. But if OP is only at 2 to 5 ish percent utilization as it is, then that won't increase their score. Rent it. buying a car is something thousands of people do on a daily basis. Rent a Toyota offers you the perfect opportunity to see how a new Toyota fits into your life. Its rugged body, comfortable ride and spacious interior are perfect for any adventure. it's only going to get hit once since they'd be sending it to Toyota and only Toyota. "That tells you a lot," said Karl Brauer, executive publisher of Kelley Blue Book. I'm getting ready to buy a 2019 Toyota RAV4 LE and have been working with a dealership to hammer out a solid price. Thanks! Full Warranty Coverage When you buy a new Toyota directly from our dealership, you’re supported by a lifetime warranty for as long as you own your vehicle. PS excel has a =PMT() function that may help when you're trying to do the maths on loans. Also remember to add flair to your post by clicking the "Flair" link beneath it. They are reliable and they are everywhere. Being dealer-based means that you can purchase a TRAC vehicle if your "weekend romance" with a Toyota rental turns into a love affair. Toyota "Try Before You Buy" is a total lie. Press question mark to learn the rest of the keyboard shortcuts. Just went through this when we went to replace my husband's Honda. If you’re lucky, they’ll talk to each other and figure out a time they can both get together. Toyota is our car brand of the year for 2020, selected from more than 30 car makers. This lets us know where you're located so we can assist you better. Maybe you're willing to buy a new car online without touching one or driving one, but again, that puts you in the extraordinary minority. Toyota: Which? Rent it. It counts as a hard pull, which does affect your credit for 2 years. Will pay with cash. Rent a Toyota today! "Damage to your credit" should only be a few points, and it sounds like it will rebound. Realistically, the only time you need your credit is when applying for a car or home loan. Anything under 2 percent I'd keep the loan for sure. Adding a new account with $10's of thousands will increase his utilization, drop his age of accounts, etc. People on the Internet seriously over state the importance of credit inquiries. I went new. 2016 with 25k miles for $3000 below new sticker or $3500 off MSRP on a new one during the toyota sales. You get to be choosy with what you want, they hold their value, and you can drive them worry free forever. Like it well enough, but not the "wow" factor of a 4runner. Quality, Durability, and Reliability On those I would go used every time. Please try to contact the dealer again later. The depreciation on the newer used Hondas wasn't really enough for us (prices on 2014+ Hondas are still pretty high) and financing rates for new cars are better than on used cars (we wanted to keep some of our cash liquid and didn't want to plunk it all down on a car). Need temporary transportation while your car is undergoing maintenance? Canadian New Car Buying Tips & Advice. You are now in Buyatoyota.com. Just to clarify. Given the three inputs, 1. It made sense to buy new, I got significantly better financing options. So my question is. This makes a Honda or Toyota model a good choice for a used car, since these models usually have a lot of life left in them, even if they’ve already covered 100,000 miles or more. https://1l.ink/BDLZHFX. Limited loan offerings. TRY IT: Is a test drive around the block really enough? Rental Vehicles . Why? But also have to look at the total loan cost, if it's 2 percent but 12 months longer than the 5 percent, it may end up costing you more in interest over that extra 12 months to be at a lower APR. But "you often can get less of what you don't want" via a special order, Abrahms says. Like it. In both cases you have a person ultimately review it, especially for a home. Call of Duty Warzone (PC, PS4, Xbox One) is available now and yes: you don't actually have to buy it. There is no need to buy directly from Toyota if you want to get a new car without going through a dealer. I'm a car salesman and you can get good car deals all year round. Rent a Toyota car, truck or suv at your nearest participating dealer. I've had a 2003 4Runner for 4 years now. $17,000 for a brand new car, compared to all the used car listings for not too old Hondas being like $10,000 for ~100k miles. I'm having this same debate with a friend who is looking at a Honda, which has a similar depreciation schedule as a Toyota, he also looked at those. Search our Toyota deals and incentives here & get the car you love. Toyota … Credit inquiries are about 10 percent of your score. Damage to credit is negligible. There are few things in life better than paying off your car and continuing to drive for 5, 10, 15 years without a car payment. Seating. “The Tacoma has a tremendous reputation for reliability,” Nick Kurczewski, senior multimedia content editor for CR, tells Consumerist. I got a 4runner in September. (I also live in Houston, so the non-flooded used car market is pretty tough at the moment). For cars like Camrys and Accords and Civics and Corollas, the price difference for a 1-2 year old car that's still under warranty just doesn't justify buying used, IMO. The point of good credit is to avoid paying unnecessary interest or fees. A new car was only 2k more than a 2-3 year old model of the same type. Enjoy the new 4Runner! Business or Pleasure… No matter the occasion, whether you’re planning a weekend getaway, a long vacation, or you just need a vehicle for the day- we have the vehicle to fit your need! I still like it. Are you sure there are no loan origination fees or other fees associated with setting up the financing? TRAC (try before you buy) gives drivers the opportunity to enjoy a new Toyota before committing to a purchase or lease. Seems like a no brainer to get the best half of the car's life for myself if the price is less than double. Join our community, read the PF Wiki, and get on top of your finances! Press question mark to learn the rest of the keyboard shortcuts Toyota Lets You Try Before You Buy With its Rental Program. So, I went with a little jetta again. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Also the way inquiries show up freaks people out. Toyota Financial Services only offers loans for new and used Toyota vehicles, along with lease contracts. So I agree overall that he should take the small credit hit, and follow the salesperson's plan. Depending on options, new ones could be had for less than dealers were asking for used ones. Service, Body Shop, and Insurance Customers: Is your car in the Shop? I'm jealous. Bring back /u/chooter, Looks like you're using new Reddit on an old browser. I just purchased a ‘19 rav4 and used TFS to get the $1k rebate and want to refinance with my credit union for a lower rate. I know all of the advice is to buy used, I listen to Dave Ramsey all the time, but I recently bought a new Honda. Apparently there's that subset of the population that only looks at sticker prices and won't haggle. Wouldn’t really hurt your score, might even help it, adding a new type of credit account if you have had car loan. MPG 1. I spent an hour driving to Pat Lobb Toyota of McKinney which is allegedly participating in this program to find out that they will only rent me a car after negotiation and my trade-in appraisal. Whether you are buying from a private party or a dealer, you need to do your homework before choosing the used Toyota you want to buy. Want to try it before you buy it? Rent it. Although bigger doesn't always mean better, the cost-to-own awards and best resale value prizes that Toyota consistently rakes in make a bold statement on the company's commitment to building cars you can trust. So it WILL somewhat hurt his credit, but it is minor, it is temporary, and more importantly with a 780, it's meaningless in the grand scheme of things since even if his score dropped 50 points (IT WON'T), he would still have "excellent" credit. This 15.5 Mpg makes me not want to drive anywhere. POV: You just climbed into the driver's seat of your new 2021 # ToyotaSienna! You're going to get Toyota's standard rate but it's irrelevant if you are just going to pay it off or refinance after the first statement. Below are our top 5 reasons you should buy a Toyota as your next vehicle. The way Honda's hold their value is absolutely insane. As for the credit ding, who cares. Want to try it before you buy it? Our tough tests reveal what you need to know about Toyota cars - head straight to our Toyota car reviews. Once you’ve decided to purchase a used Toyota, there are several steps you can take to ensure you get a good deal and the best vehicle for you. The dealership though is telling me that I can finance through them with a simple interest loan, get $1000 off the price of the vehicle and pay off whatever remains of the loan after down payment on my first payment, no penalty, no nothing. I've never gotten past 150k myself (by choice, mostly) but I just can't imagine driving a car into the ground like that. A Toyota 2. Business/Leisure Rentals. The argument of avoiding new in that case doesn't seem as valid. It may even end up a better company than before. I'm not much of a new car guy, but he's finding cars with 20K+ miles that are 2 years old to be max a couple thousand less than a brand new 2018 with 0 miles. by Justin Cupler, on July 12, 2013, 17:00. This is what I'm advising to my customers. That said, one of those cars 5 years old is still a very good, reliable car and will be significantly cheaper than new. We offer Toyota promotions for all makes & models. “In the car world, the joke is that after the zombie apocalypse the only things to survive will be cockroaches and Tacomas.” Indeed, a look at Consumer Reports’ ratings for the Tacoma show that the small, compact pickup truck … Like it. Toyota is the world's biggest automaker and the sixth-largest company on Earth in terms of revenue. Though I drive a jetta TDI, I sometimes wish I had bought a 4runner. The content within this web site is provided solely by the Toyota Dealer Associations of America. Tacoma. :) Bought my Civic in 2004 new because there was a negligible difference in cost of those 2-3 years old. If you want to refinance your auto loan, you’ll need to consider other lenders. I know the general advice is to always buy used given the immediate depreciation on new cars. Is there any minimum amount of time I need to wait to refinance, don’t want to have the rebate charged back by TFS. Credit inquiry a couple points only. (ya ya ya too expensive). It's not like they're sending it out to multiple banks and lenders. Please review the FAQ to see if your question has already been answered. We turned to our trusted colleagues at Consumer Reports in our quest to better understand the competitive market for used Toyota Tacoma trucks. Same for me last year. Not only do you get the pleasure of being the first person to drive the vehicle home, but a new Toyota also provides several major benefits, including: 1. Escape for the Weekend or take a Quick Business Trip. I work for a Toyota dealership. Or maybe a 2000s Ranger if you can find one in good shape. This includes everything that’s covered within the manufacturer’s warranty including the engine, … For us, we found it to be the best option overall (though PF probably does NOT approve, LOL!). Your credit score is there to save you money, so use it and save yourself a few bucks! Drivers also recomm… For Toyota Tacomas, I don't see how there's even a market for used ones less than 3 years old, they lose practically no value it's crazy. If "damage to your credit" and $20 in interest saves you $1,000 then I'd finance all freaking day long. Try Before You Buy Plan at Scott Clark Toyota Want to try it before you buy it? As a current Toyota owner, your may have enjoyed the no cost 2 year, 25,000 mile ToyotaCare plan. Again, just crazy the way Honda's hold their value. January 8 at 1:00 PM. I bought a toyota 4runner new last fall. MSRP at 32 grand. Please contact the moderators of this subreddit if you have any questions or concerns. I had a similar situation in 2009. Is it worth checking out for racing fans? Press J to jump to the feed. Try Before You Buy. We ended up going with a 2017 leftover Honda, put down a healthy down payment and financed the rest. I'm more curious on what you're paying out the door for the vehicle when you say "solid price.". Toyota Financial Services is a service mark used by Toyota Motor Credit Corporation (TMCC), Toyota Motor Insurance Services, Inc. and its subsidiaries, and Toyota Credit de Puerto Rico Corp. TMCC is the authorized attorney-in-fact and servicer for Toyota Lease Trust. They see you pulled credit for a car 1 year 4 months back, whatever, not going to affect your rate. Nice ride. How many Toyotas did you sell? You get a ding on your credit but you're making a purchase. Depends on the interest rate. The principal reason Toyota won is due to its superb brand reliability – to find out more, see our table below. Very happy to hear others are doing this too, thanks! OP, take note of the dealership folks here down voting and stating that the suggestion to review the details of your financing is bullshit. Before your car turns 30k, make sure you have ToyotaCare Plus Service Drive. Search. Is this a legitimate deal? Rent a Toyota near you. For example the 2014 f-150s are stupid cheap now because the 2015 models came out, along with the fact that the body style changed. Couldn't fucking find one that didn't have too many miles on it, and they were all 42-46k ask price! Cosign this. 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