Received quote for 2026 4Runner Sport Premium trim. Thoughts or feedback?

[OR4runner]

Is that Beaverton Toyota by any chance? They wouldn't let me put a deposit down on a 4Runner unless I was willing to come in to the dealership and do it in person.

So many dealerships are doing what they can to make it more difficult to purchase their vehicles.

Good thing about Toyotas is they last a long time so I don't have to go through this pain so often!

Grants Pass Toyota has the Trailhunter.
They had a TRD Pro that sat for a while and had to be discounted to move also.

Dealership I bought from also wouldn’t take a deposit. Seemed like an odd policy but it worked out for me

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[gvan1998]

The dealer makes less money with cash!!!!

 

[sstarrx2]

Out the door price is critical to negotiating at the dealer…. Maybe not critical to compare from location to location when including tax, fees, and license but it puts you in the best possible position to negotiate. That’s why many dealers don’t want to talk out the door price and prefer to talk financing and monthly payments.

I guess TTL on my 4 Runner was only about $875 so did not add much!

 

[gvan1998]

Its not an opinion, it's a fact. Keep believing what you want to believe.

 

[Nodak]

also depending on the situation saving that cash and putting into a good return product is better long term wise for you than using it to buy a vehicle. if you finance it maybe let you get a better return on your cash if you get a decent % car loan rate vs cash return rate where you can come out ahead saving the cash.

ie 2.99% car loan vs 3.99% cash investment

each person is different on what benefits them financially.

 

[gvan1998]

You are entitled to your opinion. Like others have stated. Toytoa dealers dont make any money from Toyota Special Finance and Toyota Factory Rebates. Besides that the dealer always gets a kickback from the bank in hence making more money. Again keep paying cash for your cars, its your MONEY

 

[gvan1998]

What dont you understand, I just said "Toyota dealers dont make any money from Toyota Special Finance and Toyota Factory Rebates (Military Rabate)."

By the way thank you for your service.

 

[BonRunner]

Feel like I am getting involved in something I should just leave alone in an attempt to play peace keeper.

You are both right and you are both wrong.

Dealers don't hate cash.
It's the word "hate" that it's easy to get caught up. Dealers like selling cars. They don't hate cash. They may prefer that you finance through them with a poor rate they have inflated to get more kick-backs. In the case of Toyota, the dealer isn't making any real money on my Toyota-financed 2025 0.99% APR deal.

Walk away from any dealer that says they won't sell it to you if you don't finance through them.

Out the door is useless to you
You are also right that out the door is a terrible comparison to use unless that person lives exactly where you do. TSRP / MSRP - discount is the only constant you can check down. I live in California. I have amongst the highest taxes and probably license fees in the country. You probably don't pay that because of where you live. Knowing what I paid for those things would inflate your understanding in the wrong way, making your deal look way better than it is.

The right question is what did pay before taxes, title, and registration.

///

You are asking the right questions. Your deal doesn't seem that bad to me. It's unclear if that's your opening move, or just the number they opened with.

You may still have $500 in that number when you looker deeper at the invoice cost - holdbacks/incentives. I did a lot of deep reseach on this as I paid cash for the 2025 4Runner Platinum, but financed my 2025 Tundra Platinum

Where did you find the 0% APR from Toyota? I checked but couldn't find anything.

 

[Vahn]

Where did you find the 0% APR from Toyota? I checked but couldn't find anything.

It was a Tundra, not a 4runner. I paid cash for my 4runner, but could not pass up the nearly free money on the Tundra. His and His Hers.

Toyota offered 0.99% APR for 72 months on new 2025 Tundra models as a year-end 2025 promotion, valid through early January 2026 for very well-qualified buyers through Toyota Financial Services (TFS)

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