Rate my deal please (Florida)

[jkfsu]

I have a 2 door jeep I just bought 8 months ago and have always loved the new 4Runner. I have a 2 year old and putting him in his car seat has been a big challenge and it seems like prices have been much more reasonable around the 4Runner now.

I am looking to trade in my 2 door wrangler which is extremely fun to drive. I received a quote that I seem pretty happy with, however want to make sure I’m not leaving money on the table.

Below is my quote on a 2025 SR5 rwd. The only addons are 499 floor mats and 699 toyogaurd which seems overpriced but it is what it is. Please just reference the discount I received and keep in mind they are giving me ~2k more on my trade than the offer I received on carvana.

Thank you in advance!

Sponsored

 

[Jakethewhippet1]

It actually looks pretty decent to me. The $1000 rebate is nice but you have to finance or lease through SETF. They can get you with high interest rates at this point so be wary of the terms and how long you must wait to refinance to a lower rate. For example, if I were to buy now, my preferred Credit Union rate is in the 4%-5% range. If they are charging you 10% and you can't refinance for 3 months that's still a pretty good deal. Just make sure you refinance as soon as you can.

 

[jkfsu]

It actually looks pretty decent to me. The $1000 rebate is nice but you have to finance or lease through SETF. They can get you with high interest rates at this point so be wary of the terms and how long you must wait to refinance to a lower rate. For example, if I were to buy now, my preferred Credit Union rate is in the 4%-5% range. If they are charging you 10% and you can't refinance for 3 months that's still a pretty good deal. Just make sure you refinance as soon as you can.

Thanks Jake - I actually have my deal contingent on them being able to meet the same rate I have with Penfed on a 60 month term of 3.84%

 

[TRD Pro or Die Trying]

That looks like a pretty good deal, especially for Florida. That's the lowest Doc fee I've ever seen in Florida. Usually the Doc fee is like $699-999. Well done!

 

[Jakethewhippet1]

Thanks Jake - I actually have my deal contingent on them being able to meet the same rate I have with Penfed on a 60 month term of 3.84%

Funny, I use Penfed also, their rates seem to be the lowest.

 

[gvan1998]

What's the rebate?

 

[jkfsu]

Funny, I use Penfed also, their rates seem to be the lowest.

actually got an even better deal….i found a 2026 with 4wd and it’s $500 less than the above total. Only downside is what want me to finance with them at 6.9% which is fine, I’ll refi it

 

[gvan1998]

Nice! I just bought a 26 RX350 with 6.5k off MSRP

Sponsored