Best APR Available

[agjake01]

I'm getting ready to pull the trigger on a 4WD SR5 and have been shopping around most of the Gulf States and South Central US. I'm looking to see what others have gotten finance wise, best APR at 60 months with excellent credit. I've received a quote from one dealer for 2.95% but this seems to be the exception. I know USAA offers 4.19%, what other deals are out there? Thanks

 

[wasupdu]

Those are great rates :thumb3:

The best we could do in our area was have Toyota match our local credit union at 4.35%

 

[bradj]

navy fcu

3.99 for 60
2.99 for 36

1/4 point discount for active, retired or 25 year member

Navy Federal Member Specials

 

[poolzer]

check out bank of america too. In SOCAL I was able to get BofA at 3.5% for 60 and the dealership matched it.

 

[Sonic dB]

got 3.35% for 60 from Bank of America... but my credit rating is 850 and they told me thats the lowest rate they have given.

 

[agjake01]

Thanks for the suggestions, keep them coming!

Bank of America is showing 3.2% for Texas, I may have to talk to them!

 

[westwind77]

AAA gives great auto loan rates. Go to their site, type in your zip and see what you can get. By far was the best around my area.

 

[agjake01]

Doesn't look like AAA has auto loan rates for Texas, must be a NE thing. BOA still looks like the best for my state...

 

[McGruder]

I obtained 3.25% pre-approved through Bank of America going into my negotiations with my dealer. The finance guy with the dealer was able to reduce that to 2.75% through Toyota Financial Services.

 

[agjake01]

I obtained 3.25% pre-approved through Bank of America going into my negotiations with my dealer. The finance guy with the dealer was able to reduce that to 2.75% through Toyota Financial Services.

Wow.. that's the best deal I've heard yet! I'm going to shoot for the same tactic.. I was approved for 2.95% through Toyota by one dealer, but I'd imagine the dealer called in some favors to get Toyota to drop their standard rate a point or so.. we'll see if I can find a dealer with the vehicle I want that will do the same! Deal fell through with the first dealer when they couldn't get the car...

 

[mateo777]

I got 0% apr for 6o months 2010 4runner limited with navigation .Westchester Toyota,NY. 03/06/2010.$41000.

 

[hofs05]

I got 0% apr for 6o months 2010 4runner limited with navigation .Westchester Toyota,NY. 03/06/2010.$41000.

How did you work that out? I thought they weren't offering that incentive on the 4runner....

 

[Quentin]

How did you work that out? I thought they weren't offering that incentive on the 4runner....

There are certain dealers, and possibly certain regions, that are doing 0%. Mid-A is getting neither on the 4Runner at the moment.

 

[Mdrei]

0%

I posted this earlier this week and this dealership's website still advertises 0% for 60 months...on ALL new vehicles. I haven't completely vetted this offer because I'm not buying a car from them but when I called to confirm that this included T4Rs they said yes. Just thought I'd throw it out there...dealership is in MD.

http://www.antwerpentoyota.com/default.asp?newused=0

 

[mateo777]

I bought 3 cars from this dealer before.05 4runner sport,04 sienna and 09 camry hd withc i traded for the new 4runner. Loyalty 0 % apr.

 

[7TCatVert]

BOA is 3.65 (36-60)and 3.25 if you use a preferred dealer.....

 

[Norcal_Mike]

This was pretty cool.... I got 4.5% through my credit union. The Toyota finance guy offered to keep my payment the same and "give" me 4 years of maintenance if I switched to Toyota financing. To do this, he charged me for the service agreement, but dropped my rate to 3.5%.

I am usually highly skeptical of anything the finance guys offer (usually the best salesmen in the dealership), but this was a good deal. Basically, my payment stayed exactly the same, but I received service vouchers for the next 4 years of ownership.

Just food for thought in case any of you are in the market.

 

[poolzer]

I was offered service vounchers after having to wait over 30 minutes to see the finance guy. The ones here in SOCAL had fine print though, which luckly I read before accepting them, and prompty had switched to free oil changes.

$100 service voucher (fine print:must spend min $300).

 

[McGruder]

BOA is 3.65 (36-60)and 3.25 if you use a preferred dealer.....

This is the same story I got from BOA. This rate was pre-approved bcause my dealer was a "preferred dealership". The 3.25% was if financing $25K or more and 3.45% for amounts below $25K.

The 2.75% Toyota Financial Services that the dealer secured for my deal was even better by .5%.

 

[7TCatVert]

This is the same story I got from BOA. This rate was pre-approved bcause my dealer was a "preferred dealership". The 3.25% was if financing $25K or more and 3.45% for amounts below $25K.

The 2.75% Toyota Financial Services that the dealer secured for my deal was even better by .5%.

Thats good to know we have not started dealing with finance guys since the tr4 is not due in until Thursday.....I can pay the difference in cash but trying to work a deal where I get something by financing it and themn I will just pay it off after a couple of months...