Originally Posted by mscot

A bone stock SR5 is 38k MSRP. They're wanting 46k for one?

Have you discussed taking your trade in off the table and asking what the cash price is?
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Didn't start w/trade-in mention. Ask for best OTD cash price. They said no one is selling at msrp right now...they tack on $4G, they say other dealers up to $7G.

Looking at online prices around here (within 100 mi.) I do see that.
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Go to CarMax and see what they'll give you for your vehicle.
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Like I posted, I've gotten offers from CarGurus, Auto Trader, et al. Highest was $35,900. But Tenn. sales tax rules are such that you don't pay any tax on the trade-in value.
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FWIW I never go in discussing whether I'll lease or trade in. I talk strictly cash purchase. Once we agree on a price, then I'll discuss whether to trade in or lease it. Get your bank to give you a loan agreement so if you don't like their terms you can always use your bank.
All car buying 101.
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Yeah, I agree, and that's what I did. They said $43,500 +"fees" ($649 "vehicle charge" plus other fees plus sales tax, which is $3G+
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The only way I would pay over MSRP is if I absolutely had to have a car that moment.