What is the APR on your loan? SoCal only please.

snitz427 said:
I second a credit union. If you or a family member is military, USAA and NavyFederal have great rates! I think your credit score is probably a big factor.
Click to expand...


LOL!! USAA hasn't been competitive with auto loan rates in 20 years, and now their insurance is overpriced.
I was with USAA since 1991, before it was opened up to all ranks, and it was competitive with CC and ins. Couldn't be beat for ins. But a few years ago, they started advertising on TV, which wastes millions of dollars, and they kept increasing their ins rates, even though I've only had 1 at fault accident in my time with USAA (back in the mid '90's), and haven't had a moving violation in over a decade.
On a whim, I called Geico, and for the first time, not only was someone else competitive with USAA, they beat them by $150, and I have a better set of options with Geico, including mechanical breakdown, and it covers rodent damage to wiring harnesses, which the factory warranty doesn't.

It sucks that I no longer get the SSA deposits, but at $150 every six months, it beats the annual SSA payout.
 
For those giving their rates, you should include the term as well. Saying I got 0% doesn't give you the whole picture if it's only for 3 years. People tend to go with either 60 or 72 months now.
 
CavPro said:
If so, you are buying the wrong vehicle.
Click to expand...

That's your personal opinion. I'd argue that anyone who is concerned about getting more MPGs out of a 4Runner, would apply to your statement, but as for 60 or 72M terms, it doesn't mean you are buying the "wrong vehicle".
 
KuhDunkADunk said:
That's your personal opinion. I'd argue that anyone who is concerned about getting more MPGs out of a 4Runner, would apply to your statement, but as for 60 or 72M terms, it doesn't mean you are buying the "wrong vehicle".
Click to expand...

In this case, wrong vehicle = one you really can't afford.
 
with a vehicle that has such low depreciation, and rates <2%, i'm not sure why anyone wouldn't finance for as long as possible unless they just aren't managing their money otherwise
 
jhguth said:
with a vehicle that has such low depreciation, and rates <2%, i'm not sure why anyone wouldn't finance for as long as possible unless they just aren't managing their money otherwise
Click to expand...

Because [MENTION=135175]jhguth[/MENTION], they have chosen the WRONG VEHICLE and can't afford it. (according to [MENTION=266676]CavPro[/MENTION]). There is no possible reason to finance it that long.

Nope, not if your company pays for it.
Not if you got a really good interest rate.
Not if you need a business tax right off.
Not if you make more money elsewhere and get a better ROI with your cash now vs financing.

Nope you have the WRONG vehicle, right [MENTION=266676]CavPro[/MENTION]?
 
KuhDunkADunk said:
Because [MENTION=135175]jhguth[/MENTION], they have chosen the WRONG VEHICLE and can't afford it. (according to [MENTION=266676]CavPro[/MENTION]). There is no possible reason to finance it that long.

Nope, not if your company pays for it.
Not if you got a really good interest rate.
Not if you need a business tax right off.
Not if you make more money elsewhere and get a better ROI with your cash now vs financing.

Nope you have the WRONG vehicle, right [MENTION=266676]CavPro[/MENTION]?
Click to expand...

Hell, if you can't pay $40K+ in cash, and you make less than $1m a year, you have the WRONG vehicle.
Take your self righteous attitude for a long walk.
 
Last edited:
KuhDunkADunk said:
I guess I did. Sorry, it's been a long day. Love your 4R. That would have been my next choice in color.
Click to expand...

It's all good. I edited the post and hope it's a bit more clear!!

Thanks for the compliment. I love the MGM, and KDSS. My first 4Runner was a gently used '15 MGM w/KDSS (8K on the odo). Had it for 2 years, then traded for a Barcelona Red without KDSS because I wanted a brand new, no mileage 4Runner, and found out that red really isn't a color for me, and I really missed the KDSS. So after a year, I traded it for this one.
ANd I've had this one for almost a year and a half now.
I have some FN matte bronze Pro wheels being delivered tomorrow, and later this week, the Falken Wildpeak AT3s should be in. I'll have them installed in 1200 miles, when I go in for my $20K service.
 
Hydguy said:
It's all good. I edited the post and hope it's a bit more clear!!

Thanks for the compliment. I love the MGM, and KDSS. My first 4Runner was a gently used '15 MGM w/KDSS (8K on the odo). Had it for 2 years, then traded for a Barcelona Red without KDSS because I wanted a brand new, no mileage 4Runner, and found out that red really isn't a color for me, and I really missed the KDSS. So after a year, I traded it for this one.
ANd I've had this one for almost a year and a half now.
I have some FN matte bronze Pro wheels being delivered tomorrow, and later this week, the Falken Wildpeak AT3s should be in. I'll have them installed in 1200 miles, when I go in for my $20K service.
Click to expand...

I hope you are paying CASH for that $20K service. Because if you aren't you bought the WRONG car!
 
Hydguy said:
LOL!! USAA hasn't been competitive with auto loan rates in 20 years, and now their insurance is overpriced.
I was with USAA since 1991, before it was opened up to all ranks, and it was competitive with CC and ins. Couldn't be beat for ins. But a few years ago, they started advertising on TV, which wastes millions of dollars, and they kept increasing their ins rates, even though I've only had 1 at fault accident in my time with USAA (back in the mid '90's), and haven't had a moving violation in over a decade.
On a whim, I called Geico, and for the first time, not only was someone else competitive with USAA, they beat them by $150, and I have a better set of options with Geico, including mechanical breakdown, and it covers rodent damage to wiring harnesses, which the factory warranty doesn't.

It sucks that I no longer get the SSA deposits, but at $150 every six months, it beats the annual SSA payout.
Click to expand...

They were competitive for our rates. I was with Progressive for a decade and had great service and competitive rates, but USA beat them and with better coverage. I also have a great CC rate and cash back with them. Their rates weren't as competitive on loans, though... but Navy Federal absolutely is. All of our loans are through Navy Federal as they had the lowest rate on loans and the best return on CDs that I was able to find anywhere else.
 
KuhDunkADunk said:
Because [MENTION=135175]jhguth[/MENTION], they have chosen the WRONG VEHICLE and can't afford it. (according to [MENTION=266676]CavPro[/MENTION]). There is no possible reason to finance it that long.

Nope, not if your company pays for it.
Not if you got a really good interest rate.
Not if you need a business tax right off.
Not if you make more money elsewhere and get a better ROI with your cash now vs financing.

Nope you have the WRONG vehicle, right [MENTION=266676]CavPro[/MENTION]?
Click to expand...

^^This

I got 2.6% for 60 months through the credit union I business bank with. At 2.6%, why not? That's nearly free money. I'd be a buffoon to start moving around large chunks of cash from other things it's at work with when I can instead borrow it for under 3%.
 
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