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Old 02-02-2018, 01:13 PM #1
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What is the APR on your loan? SoCal only please.

I know there are several factors involved. Just want to make sure I am not being ripped off. My Apr is 4.23% on a 2018 Trd pro.
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Old 02-02-2018, 02:13 PM #2
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Google is your friend - Seems crazy high to me, a quick search says 2.19-2.68 for a 48m note but as you said, lots of factors go into the rate you get.
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Old 02-02-2018, 02:25 PM #3
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Try Logix credit union. My rate is 1.74% for my 17 I do have a credit score above 800 though.
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Old 02-02-2018, 02:30 PM #4
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Money should cost the same everywhere.
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Old 02-02-2018, 02:53 PM #5
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Try a credit union!


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Old 02-02-2018, 03:02 PM #6
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I second a credit union. If you or a family member is military, USAA and NavyFederal have great rates! I think your credit score is probably a big factor.
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Old 02-02-2018, 03:35 PM #7
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2.39% when I bought in October 2016.
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Old 02-02-2018, 03:42 PM #8
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3.05% bought in Jan 2017 TRDORD credit score mid 800's

percent is higher as i went with longer term loan. half down
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Old 02-02-2018, 03:55 PM #9
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PenFed usually has competitive rates when i've needed a loan (although it looks like rates have gone up since i financed)

but just google and use the lowest rate you find, Toyota isn't going to give good financing on the 4Runner because they have no need to
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Old 02-02-2018, 05:09 PM #10
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depends on many factors, but that is within the lower end of Toyota Financial Services standard rates for the 4runner, which is all the 4runner has in the LA Region.

Depending on credit and term that's a normal Toyota rate.
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Old 02-02-2018, 05:10 PM #11
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1.9% for 60 mos. in 2015. Altura credit union FTW!

Toyota offered to match.
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Old 02-02-2018, 05:21 PM #12
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Quote:
Originally Posted by soiii View Post
I know there are several factors involved. Just want to make sure I am not being ripped off. My Apr is 4.23% on a 2018 Trd pro.
Best dealer could do for me (so they say) was 3.99 for 48 months through Toyota Financial. Credit unions all over the place will do 1.5%.
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Old 02-02-2018, 05:43 PM #13
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Im at 1.99 from a credit union. Bought used too.
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Old 02-02-2018, 06:11 PM #14
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1.9% APR for 60 Months for the daily driver I just bought. MD Credit Union, I live in CO.
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Old 02-02-2018, 06:14 PM #15
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