shadowmaker
New member
so, if you go out and finance it through Toyota, im pretty sure Toyota does not have any apr deals on ANY 4runner and they will offer you a rate at about 5%( the dealer most likely will make money from the interest rate). when i was shopping around for my 4runner, most dealers were trying to get me to finance through Toyota, and they would tell me that i would be able to refinance with (in my case) my credit union within 30 days, it would still be considered a "new vehicle purchase". NOT TRUE!! i called my credit union and asked about this and i was told that once the new vehicle was registered, they would consider it used and would not be able to offer a new car rate. ended up getting 2.77 APR on my new 2020SR5P
If this is true, it is your credit unions rule not all of them. Or whoever you talked to was mistaken. I financed my F150 thru Ford Credit, got the $1500 rebate, 2 months later refinanced thru my CU at new truck rates of 2.19%.