Border411
New member
If you are a Costco memeber, just use their Auto Buying Program. I usoed to sell cars, and know all the little ins and outs re: buying a car and what the stealerships do to make money.
I went thru Costco when I bought my 4runner, and I paid $150 over TRUE DEALER INVOICE. Also, if they try to make you pay for "Destination charge", tell them to F-off as the shipping of the truck to the dealership is already included in their invoice. Essentially, they want you to pay for it twice (since it is in the invoice and then again when selling it to you).
Also, be aware that if you go thru TMCC to finance, different amounts of down-payments can change the rate you got. I went to put down $4k, and my rate was 3.5% (I have excellent credit). I told them I would pay cash for the extended warranty, which would be another $1000. So, when the finance guy went to put in the computer I was putting down $5000, I went down to 3.25% APR! That saved me a couple hundred bucks right there! He stated, and I qoute, "We would normally keep the money from that drop, but I will give it to you." Gee----you freakin think!
I went thru Costco when I bought my 4runner, and I paid $150 over TRUE DEALER INVOICE. Also, if they try to make you pay for "Destination charge", tell them to F-off as the shipping of the truck to the dealership is already included in their invoice. Essentially, they want you to pay for it twice (since it is in the invoice and then again when selling it to you).
Also, be aware that if you go thru TMCC to finance, different amounts of down-payments can change the rate you got. I went to put down $4k, and my rate was 3.5% (I have excellent credit). I told them I would pay cash for the extended warranty, which would be another $1000. So, when the finance guy went to put in the computer I was putting down $5000, I went down to 3.25% APR! That saved me a couple hundred bucks right there! He stated, and I qoute, "We would normally keep the money from that drop, but I will give it to you." Gee----you freakin think!