Greetings! New Member, prospective Trailhunter buyer. TFS interest rates.

[Sleddogg]

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 “does 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.

I’m 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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[nav]

Well 4.9 is a subsided rate. If you’re trying to save money with a lower rate the hybrid isn’t saving you any money. The halo cars will sell so Toyota sees no reason to discount. “Yet”

 

[MT-Taco]

4.99% on a halo trim is pretty good! National Average is 7.5%. Is it a money grab at 65K..?

 

[Sleddogg]

4.99% on a halo trim is pretty good! National Average is 7.5%. Is it a money grab at 65K..?

The 4.99 I was referring to is for I-force Max non Halo trims. Trailhunter is showing between 9.42 and 10.42 for second tier credit score.

 

[Sagebrush]

Yeah, auto loan rates suck. I see BOA's new-car rate is 5.69%

Whatever you do, buy before the tariffs kick in.

 

[SilverSurfer]

0% on cash. Just saying, if you can pay cash for an objectively luxury ie top tier version of vehicle, you should.

All manufacturers do the same as Toyota when they don’t subsidize the interest rates on performance/halo versions of their vehicles. If they did, at the current production numbers, you wouldn’t be able to find and buy one.

I‘d definitely go TH if choosing between pro and TH. Those gimmicky pro seats are silly.

 

[maxx075]

Lowest rates I've seen when I bought mine, and still to this day seem to be from Navy Federal CU if you qualify.

 

[Airborne]

Good luck in the hunt for your truck, i may say here in new england area i see several on dealer websites, not sure if willing to travel or buy out of state, They are out there to be haad. Happy hunting

 

[Trailhunter Mark]

Lowest rates I've seen when I bought mine, and still to this day seem to be from Navy Federal CU if you qualify.

I bought my Trailhunter with a loan from NFCU as well.

 

[Trailhunter Mark]

I had to pay MSRP for my Trailhunter & there were plenty of Florida dealerships charging market adjustments of $2k-$10k. It took a few months but I found a dealership that would sell at MSRP. If you can get a TH for below MSRP, buy it. Also, like someone else said, if you are going to guy a TH, I would purchase it before the new administration takes office at the end of January.

 

[CrispyTacoLover]

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 “does 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.

I’m 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.

You might rethink buying a $65,000 truck.

 

[Sleddogg]

You might rethink buying a $65,000 truck.

Well, It’s a $67,702 truck marked down to $63,915 with roof rack, spray in bed liner, door edge guards, paint protection film, mud guards, tailgate insert, door panel scuff protectors, and quick charging cables.

I am already approved for an Iforce max offroad with premium package and sway bar disconnect, mud guards and all weather floor liners for $58,104 at 4.99% (no discount).

Due to the difference in interest rates, however, the payment on the Trailhunter with same down payment, is $252/month more than the IforceMax off-road premium. That’s where my frustration lies.

I can afford either, but the jump is kind of crazy given there are already hybrid off roads approaching the same price, minus the rock rails, compressor, steel bumper, HUD, beefed up suspension, lift kit, heritage grille, skid plate package, etc.

Thanks for the advice though, maybe I will just keep the 2010 corolla with 228k miles and forget about the truck altogether, lol.

 

[Echoedlite]

In Wisconsin I was able to get my truck in June through a bank the dealer recommended to me for lower than that so I'd say honestly just talk to them or see from a CU what you could get. Hope you can find a TH if I had to go back thats what I'd pick up now that they are at least available.

 

[maxx075]

Hell of a down-payment if it's only 252 a month. I did 50% on an OR and mine is still 500 a month.

 

[Sleddogg]

Hell of a down-payment if it's only 252 a month. I did 50% on an OR and mine is still 500 a month.

Sorry, I edited the post to correctly reflect $252 per month more. At the interest rate of 4.99% like offered on the IforceMax off-road, the increase would only be around $95/month.

I am just fearful that too many credit pulls will result in my credit score dropping below 690.

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