KDSS vs non kdss

Jetboy said:
FWIW - just to add a bit to what's already been said - if you have good credit you can often now just take a low interest personal loan. These are basically car loans without collateral. I've seen them generally around 2 - 2.5% for people with very good credit. In many ways for private purchase this is an easier way to go.

Good luck.
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My credits deemed as excellent. So yeah that isn't the problem. Worried about a hefty dp though. A dealer around me offered me 4500 for my 02 4runner(2wd) with 186k mikes. That's above KBB so it was a great offer to be honest. Seeing as the interior and exterior were crap from the previous owners.
 
Amirocassar said:
My credits deemed as excellent. So yeah that isn't the problem. Worried about a hefty dp though. A dealer around me offered me 4500 for my 02 4runner(2wd) with 186k mikes. That's above KBB so it was a great offer to be honest. Seeing as the interior and exterior were crap from the previous owners.
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Those type of loans are just a dollar amount. They don't care what you do with it, so you don't need any down payment. But... you will pay higher monthly payments if you borrow more. Just throwing that out as something to consider.
 
Amirocassar said:
Apologies I think that sarcasm flew right over my head lol. I've been googling about t4rs since 12am.
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a) don't overthink it
b) KDSS significantly improves the on-road manners of the 4Runner
c) KDSS adds an extra step of complexity (but not a daunting one) for lifting
d) very few dealers can fix/work on KDSS if it goes south or gets damaged in an accident

This has all been discussed ad nauseam, my take on KDSS is that I drive so much (over 20k miles a year) that it's worth it to me.
 
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Jetboy said:
Those type of loans are just a dollar amount. They don't care what you do with it, so you don't need any down payment. But... you will pay higher monthly payments if you borrow more. Just throwing that out as something to consider.
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Yeah I know that. I jut cosigned for my girlfriend. Got her a good deal on a nissan rogue certified. 4k off asking and 4.77 apr with 500 dollar credit. This will probably hurt my chances at a 4runner or maybe not. My debt to income ratio is 0 if you exempt my co signature with her.
 
KDSS = yes. I love it. Everybody that has ridden it comments on how smooth it is for a BOF SUV. And it really is. 100% satisfied (but I have never been dissatisfied with a Toyota vehicle).

Financing - Credit Union rates on "used" vehicles are often much higher than "new" vehicles.

I have a FICO over 800, got pre-approved through CU Direct at their best rate at the time of 3.21% for my new 2015 and Toyota Motor Credit knocked that into the weeds with 1.19% for 5 years.

A person would be crazy to pay cash for a vehicle when you can get that rate.

There are many members here that live in NJ. You might want to put out a plea for somebody with a Trail to take an hour out of their day to take you for a ride. I would do that for a Colorado member.

In Colorado you will be very hard pressed to find a dealer that will allow you to test drive a Trail as most are sold before they even get to the lot.
 
Amirocassar said:
Yea. But she was rear ended by a dodge ram that hit her going 40. She only got 4k for her pos jeep. Which I was also fixing for the past two months... She needed a car. Family has shit credit. -Shrugs- someone's gotta try and be a good person
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Good man. My wife and I have cosigned for several young people over the years for the same reason. We make sure we can afford to pay it off if they default. Good for you.
 
I test drove one without it but ordered mine with and I can tell a difference. Off road i have no idea as never taken a non kdss offered but i immediately noticed it on road and since i will spend 90% of the time on road it was well worth the $$
 
Blitzkrieg said:
There are many members here that live in NJ. You might want to put out a plea for somebody with a Trail to take an hour out of their day to take you for a ride. I would do that for a Colorado member.

In Colorado you will be very hard pressed to find a dealer that will allow you to test drive a Trail as most are sold before they even get to the lot.
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I got to test drive a Trail in CO for as long as I wanted. I drove one with KDSS and one without (so I could get a feel for what the TRDP would ultimately feel like.) Maybe my experience was different, based on the time of year. They were trying to get all of the 2015s off of the lot, and were very accommodating.

Like a lot of things, I wish I could have both: my bright color 4runner, which I love, and probably KDSS too. Honestly though, it is just a perk, and I am not bummed not to have it.
 
1engineer said:
Good man. My wife and I have cosigned for several young people over the years for the same reason. We make sure we can afford to pay it off if they default. Good for you.
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Yeah thanks brother. I may be 22 but I'm responsible and my parents raised me to be a good person. Plus I can pay it off in 8 months if it did get defaulted on me. But now she's actually trying to pay it off sooner wince she knows I want a new 4runner. Grandmother taught me to pay it forward. So who knows maybe my perfect 4runner will land in my lap one day, if only it was free...
 
Amirocassar said:
Yeah thanks brother. I may be 22 but I'm responsible and my parents raised me to be a good person. Plus I can pay it off in 8 months if it did get defaulted on me. But now she's actually trying to pay it off sooner wince she knows I want a new 4runner. Grandmother taught me to pay it forward. So who knows maybe my perfect 4runner will land in my lap one day, if only it was free...
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With that attitude I wouldn't be surprised if you got one sooner and got a good deal to boot! Good things happen to good people. People who claim otherwise don't look at the whole picture.

Paying it forward is something we do and have taught our children to do also.
 
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