0% for 60 months?

[peter78]

I saw Toyota was offering 0%. I looked into it and they offer 0% for 60 months for the 2008 4Runner. I found out that the price in the paper does not include 0%. You get either 0% or $4,000 off and the price in the paper is $4,000 off. Yet, I have notice the price in the paper is the same price for the last couple of months.

Here in GA we have to pay taxes on rebates, so because of the 0% or $4,000, I have to pay more. To top it off, I am really concerned over certain things going. the market going down 600+ points today, my job, etc.

I like the idea of 0% for 60 months, but I am not seeing this as a great deal for me. Anyone look into this 0%, I would like to hear your response about this.

 

[alaskaman]

a friend says she can get that here in Cali on a Ford Edge which she likes. I echo your concerns. Those closest to the "action" are FReaked. Fear has pretty much taken a hold of many things. However, with a good credit rating now is a good time to buy vehicles or homes. Unfortunately, some one was asleep at the wheel and fiddled while Rome burned...............let's hope it gets a grip sooner than later eh?

 

[NJrunner11]

agreed...

 

[SonRunner]

I just bought one about a month ago at .9% financing. They are *very* negotiable on price, so just go for the low financing. You're the only one that really knows your job situation, I'm very fortunate and work at a company doing well despite the current economic downturn. FWIW, economies are always cyclical, ups and downs. It won't stay down forever. Buy low, sell high.

 

[alaskaman]

I had a root canal done today. I think most of the people in the economic action spots would have traded places with me in a heartbeat.

"Capital P and that rhymes with T and that stands for trouble"

 

[ExJeeper]

I just bought mine last Friday. I got the 0.9% plus 3200 over KBB on trade and another 1K off MSRP. was a great deal!

 

[SoCal-Truckin]

I just bought mine a month ago as well and got 0.9% financing for 60 mos and $4,800 off MSRP.

That's the advantage of poor economic times I guess. Lots of good deals if you can spend some $.

 

[zimm]

I got 0.9% APR 60 months and $5k off MSRP (basically paid invoice).

 

[43242code1]

current offer

i currently have a 1998 lincoln markviii but have been looking for something more capable.
we visited our local toyota dealership looking for a used 4runner but test drove a used fj cruiser instead. I really liked it
but it's out of my price range.
they showed me a used 05 4runner 2wd with all kinds of bells and whistles.
my fico is just under 700, 1 year credit history, they are going to give me kbb on my markviii ($2k), no money down and finance it for 60-66mn.
i'm going in tomorrow to talk numbers once again but what do you guys think i can talk them down to? previous owner is one of their salesmen, originally asking 22k for the car.
apr of 3.9% which is our current local promo.
i'm going to try to talk them down at least $500.

 

[alaskaman]

Re: current offer

i currently have a 1998 lincoln markviii but have been looking for something more capable.
we visited our local toyota dealership looking for a used 4runner but test drove a used fj cruiser instead. I really liked it
but it's out of my price range.
they showed me a used 05 4runner 2wd with all kinds of bells and whistles.
my fico is just under 700, 1 year credit history, they are going to give me kbb on my markviii ($2k), no money down and finance it for 60-66mn.
i'm going in tomorrow to talk numbers once again but what do you guys think i can talk them down to? previous owner is one of their salesmen, originally asking 22k for the car.
apr of 3.9% which is our current local promo.
i'm going to try to talk them down at least $500.

If you are sure you wont want the 4WD then probably go ahead. that vehicle sounds like it could be certified which would give you a 100K warranty at no extra charge. think it over. there are a ton of these vehicles for sale. you can deal so get the whistles and bells but also get the warranty.

 

[Thai]

Sorry about going a bit off-topic, but did you guys notice that the Avalon is about the only vehicle in the Toyota lineup that does NOT have 0% APR?? This is rather strange because it is a slow seller for Toyota...so slow that toyota will likely axe the model line in the very near future. The Corolla has 0%, which is strange in itself given that it should be popular during these times, but why not the Avalon??

Has Avalon sales gone up lately?? I am telling you...that Avalon is just teasing me.... :

 

[zimm]

Sorry about going a bit off-topic, but did you guys notice that the Avalon is about the only vehicle in the Toyota lineup that does NOT have 0% APR?? This is rather strange because it is a slow seller for Toyota...so slow that toyota will likely axe the model line in the very near future. The Corolla has 0%, which is strange in itself given that it should be popular during these times, but why not the Avalon??

Has Avalon sales gone up lately?? I am telling you...that Avalon is just teasing me.... :

Off-topic? you think? Phone beeps for email, start up laptop, logged in, and.... arggg... Unsubscribe time

 

[Thai]

Off-topic? you think? Phone beeps for email, start up laptop, logged in, and.... arggg... Unsubscribe time

Just a bit...no need to get frustrated...isn't this post about 0% financing??

 

[SonRunner]

Sorry about going a bit off-topic, but did you guys notice that the Avalon is about the only vehicle in the Toyota lineup that does NOT have 0% APR?? This is rather strange because it is a slow seller for Toyota...so slow that toyota will likely axe the model line in the very near future. The Corolla has 0%, which is strange in itself given that it should be popular during these times, but why not the Avalon??

Has Avalon sales gone up lately?? I am telling you...that Avalon is just teasing me.... :

That is pretty interesting. I can't imagine Avalon sales going up. Around here Prius' are still the car to have. It's gotten to the point where you can get a Camry Hybrid for cheaper.

I think Toyota is the only one doing 0%? They're probably the only auto manufacturer with fat enough pockets to do it right now.

 

[R1ceRocket]

Just purchased an '08 Sport Edition.

We bought a few days before the 0.0% was announced.

We financed around $29,000 of it @ 0.9% for 60 months, which ends up being a bit over $600 in finance charges over the course of 60 months.

Fico is 740+, but the finance manager said anything above mid-high 600's would probably be considered "tier 1", so most people could get approved.

At 0.0% interest, that would have saved us a couple bucks for each monthly payment, but I'm happy with the car, so it's OK.

 

[43242code1]

I bought the 05 4runner yesterday
I'll post some pics later this week but it's pretty decked out.
We financed at 3.9% my FICO was >690
Optional V8, tow package, tint on all 5.
Interior was 99% perfect.