08-19-2019, 11:50 PM
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#31
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Quote:
Originally Posted by Hydguy
Hell, if you can't pay cash, you have the WRONG vehicle.
Take your self righteous attitude for a long walk.
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Anyone who thinks that someone has the wrong vehicle because they can't or don't pay cash is the one who is self-righteous.
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08-19-2019, 11:52 PM
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#32
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Join Date: Mar 2015
Location: Panhandle Fl
Posts: 256
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Quote:
Originally Posted by KuhDunkADunk
Anyone who thinks that someone has the wrong vehicle because they can't or don't pay cash is the one who is self-righteous.
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I guess you missed the sarcasm in the post.
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2018 4Runner TRDORP MGM MODS: TRD Intake, full set of ARCLight Icraus Premium lights,Precision LED interior door/exterior lights, Rago MOLLE panels, Ellis Precision shift knobs w/Custom engraving, N-Fab nerf bars, 3-1 LED DRL/Fog lights.
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08-19-2019, 11:54 PM
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#33
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Quote:
Originally Posted by Hydguy
I guess you missed the sarcasm in the post.
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I guess I did. Sorry, it's been a long day. Love your 4R. That would have been my next choice in color.
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08-20-2019, 12:12 AM
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#34
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Senior Member
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Join Date: Jan 2019
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Haha, the sarcasm was there but it is not always easy to tell on a forum!
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2018 TRD OP non-kdss, well armored, well used
(6112s/650lb at 2.25" lift, 8100 rear with Bilstein B12 1.5" springs, Mickey Thompson ATZ P3 LTE 265 70 17, RCI set of front 3/16 skids, Shrockworks step sliders and 3/16 steel gas tank skid, C4Fab rear diff skid, Rockmen rear LCAs, Total Chaos rear LCA bracket skids, Diode Dynamics SS3 white fog lights).
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08-20-2019, 12:13 AM
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#35
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Join Date: Mar 2015
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Quote:
Originally Posted by KuhDunkADunk
I guess I did. Sorry, it's been a long day. Love your 4R. That would have been my next choice in color.
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It's all good. I edited the post and hope it's a bit more clear!!
Thanks for the compliment. I love the MGM, and KDSS. My first 4Runner was a gently used '15 MGM w/KDSS (8K on the odo). Had it for 2 years, then traded for a Barcelona Red without KDSS because I wanted a brand new, no mileage 4Runner, and found out that red really isn't a color for me, and I really missed the KDSS. So after a year, I traded it for this one.
ANd I've had this one for almost a year and a half now.
I have some FN matte bronze Pro wheels being delivered tomorrow, and later this week, the Falken Wildpeak AT3s should be in. I'll have them installed in 1200 miles, when I go in for my $20K service.
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2018 4Runner TRDORP MGM MODS: TRD Intake, full set of ARCLight Icraus Premium lights,Precision LED interior door/exterior lights, Rago MOLLE panels, Ellis Precision shift knobs w/Custom engraving, N-Fab nerf bars, 3-1 LED DRL/Fog lights.
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08-20-2019, 12:30 AM
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#36
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Quote:
Originally Posted by Hydguy
It's all good. I edited the post and hope it's a bit more clear!!
Thanks for the compliment. I love the MGM, and KDSS. My first 4Runner was a gently used '15 MGM w/KDSS (8K on the odo). Had it for 2 years, then traded for a Barcelona Red without KDSS because I wanted a brand new, no mileage 4Runner, and found out that red really isn't a color for me, and I really missed the KDSS. So after a year, I traded it for this one.
ANd I've had this one for almost a year and a half now.
I have some FN matte bronze Pro wheels being delivered tomorrow, and later this week, the Falken Wildpeak AT3s should be in. I'll have them installed in 1200 miles, when I go in for my $20K service.
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I hope you are paying CASH for that $20K service. Because if you aren't you bought the WRONG car!
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09-09-2019, 09:33 AM
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#37
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Join Date: Dec 2017
Location: Baltimore
Posts: 198
Real Name: Nat
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Quote:
Originally Posted by Hydguy
LOL!! USAA hasn't been competitive with auto loan rates in 20 years, and now their insurance is overpriced.
I was with USAA since 1991, before it was opened up to all ranks, and it was competitive with CC and ins. Couldn't be beat for ins. But a few years ago, they started advertising on TV, which wastes millions of dollars, and they kept increasing their ins rates, even though I've only had 1 at fault accident in my time with USAA (back in the mid '90's), and haven't had a moving violation in over a decade.
On a whim, I called Geico, and for the first time, not only was someone else competitive with USAA, they beat them by $150, and I have a better set of options with Geico, including mechanical breakdown, and it covers rodent damage to wiring harnesses, which the factory warranty doesn't.
It sucks that I no longer get the SSA deposits, but at $150 every six months, it beats the annual SSA payout.
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They were competitive for our rates. I was with Progressive for a decade and had great service and competitive rates, but USA beat them and with better coverage. I also have a great CC rate and cash back with them. Their rates weren't as competitive on loans, though... but Navy Federal absolutely is. All of our loans are through Navy Federal as they had the lowest rate on loans and the best return on CDs that I was able to find anywhere else.
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11-22-2019, 01:33 PM
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#38
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Join Date: Jun 2019
Location: Los Angeles
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I got 3.09% on my 2020 4runner. Based on this link: Average Auto Loan Interest Rates: 2019 Facts & Figures - ValuePenguin, average auto loan rates are 4.21% on a 60 month loan. I have a credit score that is way above 700 and couldn't find a bank that would offer lower APR rate than the one I had. Even my city credit union couldn't go as low as 3.09% and I am in SoCal.
Last edited by sicnarfone; 11-22-2019 at 01:42 PM.
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05-12-2020, 12:32 PM
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#39
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Join Date: Nov 2019
Location: Livin' the dream
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Quote:
Originally Posted by KuhDunkADunk
Because
@ jhguth
, they have chosen the WRONG VEHICLE and can't afford it. (according to
@ CavPro
). There is no possible reason to finance it that long.
Nope, not if your company pays for it.
Not if you got a really good interest rate.
Not if you need a business tax right off.
Not if you make more money elsewhere and get a better ROI with your cash now vs financing.
Nope you have the WRONG vehicle, right
@ CavPro
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^^This
I got 2.6% for 60 months through the credit union I business bank with. At 2.6%, why not? That's nearly free money. I'd be a buffoon to start moving around large chunks of cash from other things it's at work with when I can instead borrow it for under 3%.
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2020 TRD PRO - Morimoto 2 stroke LED's - KC flex pillar pods - Rigid rack pods - Goal Zero 100w panel/ Yeti 200X - Rago MOLLE panels and shelf - Thule cargo box - Gobi Ladder - Rotopax
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07-03-2020, 01:06 PM
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#40
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Join Date: Jul 2020
Location: SoCal
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Just depends on your credit score. Chase is offering under 3% depending on your loan term.
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07-04-2020, 10:08 PM
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#41
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Junior Member
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Join Date: May 2020
Location: San Diego, CA
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Wheelhouse Credit Union has 2.9 for up to 75 months now
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10-25-2020, 04:33 PM
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#42
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Location: SoCal.
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Had a 4.99 from USBank through dealer financing on my 2019. Which was fine as I traded that rate for a low sale price (IMO) and let them "make their money" on the loan side. Then I went home and paid it off. So no interest! 
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10-25-2020, 04:38 PM
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#43
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Quote:
Originally Posted by kellyoee
That's helpful, thank you for the reply here. I am looking for a loan too currently...
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SoCal in December of 2018 on a new 2019 TRDOP: Got a 4.99 from USBank through SoCal dealer financing. Which was fine as I traded that rate for a low sale price (IMO) and let them "make their money" on the loan side. Then I went home and paid it off. So no interest!
If you have very good or better credit, let's say 740+, I'd think you should be seeing as low as 1.9% on a 60-month.
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10-28-2020, 05:51 PM
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#44
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Location: Folsom, Ca
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I believe I got 2.49% on 70 month loan for my 17 TRD ORP from NuVision credit union in Huntington Beach
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11-20-2020, 11:34 AM
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#45
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Join Date: Oct 2016
Location: Nevada
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0% apr.. inquire within!
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