Sleddogg
New member
- First Name
- Lance
- Joined
- Nov 30, 2024
- Threads
- 1
- Messages
- 2
- Reaction score
- 1
- Location
- Reedsburg, WI
- Vehicle(s)
- 2010 Toyota Corolla
- Thread starter
- #1
Hello everyone. After many months of researching and deciding, I am in the market for a Trailhunter. I am in Wisconsin and it is slim pickings around here so I am looking in the Illinois market. I am pretty established on a 6 ft bed and top 3 color choices are Bronze Oxide, followed by Underground, followed by White.
I am noticing that some dealers are marking the Trailunter down fairly substantially in recent days, but that Toyota Financial Services is really holding their interest rates pretty high compared to the recently advertised offers of 3.99% on non hybrid and 4.99% on I-force Max models while stating ādoes not apply to TRD Pro and Trailhunter.
This is on Toyotas search inventory feature on Toyota website. I am in the second to highest credit score tier and from Wisconsin to Illinois listings there is even a 1% jump in quoted rates on the website. I am seeing interest rates quoted between 9.92% and 10.42% in Illinois market and 9.42% in Madison, WI market. I am sort of on the cusp with my credit score, and fear if I start having numerous dealerships run my credit, that I could stand to knock my score down that one tier. Meanwhile, I could go with just an I-force Max, where TFS is offering 4.99 on both top 2 credit tiers.
I feel it is nothing more than a money grab by Toyota to not offer at least a more reasonable interest rate. If I go with a locally available Trailunter 5 ft bed in white, they can seek a rate from my own credit union, and I could potentially be on my way, with a decent(ish) rate and not exactly the truck I want.
Iām wondering what other shoppers have experienced in this area. It has been over a decade since I have purchased a new car and my experience is only 2 times overall. Not much room to negotiate on these I feel.
I am noticing that some dealers are marking the Trailunter down fairly substantially in recent days, but that Toyota Financial Services is really holding their interest rates pretty high compared to the recently advertised offers of 3.99% on non hybrid and 4.99% on I-force Max models while stating ādoes not apply to TRD Pro and Trailhunter.
This is on Toyotas search inventory feature on Toyota website. I am in the second to highest credit score tier and from Wisconsin to Illinois listings there is even a 1% jump in quoted rates on the website. I am seeing interest rates quoted between 9.92% and 10.42% in Illinois market and 9.42% in Madison, WI market. I am sort of on the cusp with my credit score, and fear if I start having numerous dealerships run my credit, that I could stand to knock my score down that one tier. Meanwhile, I could go with just an I-force Max, where TFS is offering 4.99 on both top 2 credit tiers.
I feel it is nothing more than a money grab by Toyota to not offer at least a more reasonable interest rate. If I go with a locally available Trailunter 5 ft bed in white, they can seek a rate from my own credit union, and I could potentially be on my way, with a decent(ish) rate and not exactly the truck I want.
Iām wondering what other shoppers have experienced in this area. It has been over a decade since I have purchased a new car and my experience is only 2 times overall. Not much room to negotiate on these I feel.
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