2013 SR5 Black w/ black leather, Navi with Entunes, sunroof, hitch, running boards, heated seats, all weather mats, power seats...sticker was 40,189 negotiated to 33,789.
Bought my brand new 2013 SR5 Black 4x4 for 28,900. Only stipulation is I hd to finance through the Toyota dealership which gave me 4%. I plan to refinance asap after my 6 month lock in window is finished. I thought it was to good to be true so I brought someone who does underwriting for a living with me.
I think the 6 month lock is so they get their cut, you should be able to refinance at any time unless they had you sign something