The general consensus I hear is that all of those trucks are overpriced. Most forums are full of Rip Van Winkles that fell asleep some time in the mid 90's - 20's and think vehicles should cost no more than $20k.
I was just sent my first 4g specific financing and discount advertisement that I have seen. It's not great, but it's something!
$500 of MSRP and 5.99% for 60 month rates. This is in the NJ, land of dealer mark ups.
Check out this list and message the OP. His trucks are in Philly. Take the train and drive home haha. You want an off-road with CY and EE
https://www.tacoma4g.com/forum/threads/invoice-pricing-below-msrp-deals-on-2024-tacomas-%F0%9F%92%B5-purchase-leasing.2039/unread
I did not order from him. I 100% would/will if he had what I'm looking for in his inventory. My current reservation is the pdf I posted. I have been speaking with him tho, he is 1000x better at responding and communication than the dealer I have a deposit with. So I'll switch if he gets...
Not sure what you mean by your greed statement. But in some situations paying 100% cash on a depreciating asset will net you less money in the long run. If you can finance at a lower rate and invest the cash at a higher rate of return you make money in the long run.
As others have said you can...
That's interesting. While I didn't have my credit pulled, everything I have seen from Toyota has been like 9% or something crazy.
Local credit unions look like the best option (5.25-6) if Toyota isn't offering a price discount.
Financing does not mean you can't afford something. In many situations it's a better financial decision to finance. Discussing financing options and strategy can help people learn this.
Not saying you could learn something but it's possible.
You can find some listed below MSRP.
I found my truck for MSRP when checking using the spreadsheet. Then the dealer website had a $500 off any vehicle coupon. So I guess I'm technically paying under MSRP?
Yup that's a Graco extend2fit. More room in front compared to my Jeep Wrangler which isn't saying much. But I'm 6' and felt fine sitting up front. It's not where I would usually ride but I had leg room and was comfortably inclined. In my Jeep I am too upright and feel too close to the dash.