Dealership Review - Pat Lobb McKinney Tx Toyota

[HotWheels4]

My car‑buying journey started with a deep dive into allocation lists and forum posts, trying to track down the exact vehicle I wanted. After weeks of searching, I finally spotted the perfect match on Pat Lobb McKinney Toyota’s incoming inventory page. Even though it was a Sunday, I sent a text to the number listed, not expecting much. To my surprise, I was contacted promptly and professionally, and the conversation immediately put me at ease.

From there, everything moved quickly. I was able to place a deposit on the incoming vehicle right away, and the team kept me updated throughout the process. The car even arrived earlier than expected, which was a great bonus.

Kamal, my sales associate, deserves special recognition. He was professional, straightforward, and incredibly easy to work with. After dealing with some questionable tactics at local dealerships, I came in with my guard up — but Kamal completely erased those concerns. He was transparent, respectful, and focused on making the experience smooth rather than stressful.

The entire process at Pat Lobb McKinney Toyota was worth the drive. If you value honesty, clear communication, and a dealership that treats you right, I highly recommend both Kamal and the team here. They delivered exactly the kind of experience every car buyer hopes for.

I am now a first time 26 4Runner TRD Off-Road Premium owner coming from a Hemi Jeep Grand Cherokee High Altitude.

Thanks to the forum here for the allocation list that was a tremendous help to find the correct dealer for me.

https://www.toyotaofmckinney.com/incoming-vehicles.htm

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[horbit]

I bought my 2025 ORP from Pat Lobb after checking out the inventory allocation list. I drove two hours for that deal, haha. They did have great staff and had a dedicated person going over all the technology with me. I never had such a great experience buying and this is my 8th vehicle.

 

[HotWheels4]

I bought my 2025 ORP from Pat Lobb after checking out the inventory allocation list. I drove two hours for that deal, haha. They did have great staff and had a dedicated person going over all the technology with me. I never had such a great experience buying and this is my 8th vehicle.

mine was 5 hours and worth it

 

[Mad Ghost]

Did they offer MSRP or less? I tried to buy an Avalon a few years back and they were one of the dealers asking a 5k markup so I went to a dealer that charged MSRP.

 

[HotWheels4]

Did they offer MSRP or less? I tried to buy an Avalon a few years back and they were one of the dealers asking a 5k markup so I went to a dealer that charged MSRP.

it was a bit below Tsrp, msrp for a 26 this time of year i think would be hard to get msrp or below. TSRP includes port installed options, junk bags etc + delivery charge. So for my allocation finding the options not installed i did not want from gulf port was positve, For this market i think i got a fair deal with the tint etc included. I am sure further north of the country has some better options.

Using the allocations posted on the site here and understanding the options, not targetting dealer holds (deposits) etc and looking at tsrp vs sales price lets you know what you are up against along with dealer history. I also think each deal can differ based on options and timing and your OTD negotiaon price. I did not have forced VPP warranty or hard sell tactics or markup to a vehicle or color or options i was not interested in like i did locally. I am sure it also depends on youe sales associate understanding what kind of buyer you are and what the GSM is willing to do for the deal at the time.

Look at the comparison of vettes when they first roll out on the c8's and how much mark up some dealers will do vs others pretty crazy numbers. For me i went nation wide searching and plugged in the lines in AI and did some checks and balances.


A lot of people get tripped up on MSRP vs. TSRP, so here’s the quick version.


MSRP is the manufacturer’s suggested retail price — basically the official sticker price from the automaker. It includes the base car plus any factory options, but that’s it. No dealer add‑ons, no markup, nothing extra.

TSRP, on the other hand, is something dealers (Toyota dealers especially) use to show the total price they want to sell the car for. That usually means MSRP plus all the dealer-installed stuff like tint, wheel locks, nitrogen, “protection packages,” and sometimes a straight-up market adjustment. So TSRP isn’t a manufacturer number — it’s a dealer number.

As for delivery/destination fees: those are almost never negotiable. They’re set by the manufacturer and every dealer has to charge the same amount. They can’t waive it even if they wanted to. If a dealer says they’re “discounting” the destination fee, they’re just moving the money somewhere else on the deal.

What is negotiable are the dealer add-ons and any markup. You can usually get them to remove or discount those, or make it up in the trade value or financing if they’re being stubborn about the sticker.


A lot of people in Texas get confused about how allocations and options work on Toyotas, especially with the 2026 4Runner. Since we’re in Gulf States Toyota (GST) territory, the process is totally different from what you see in the rest of the country.


Dealers do NOT control their allocations. GST is the one that decides which dealer gets what. They assign: The trims, The colors, The option bundles, How many units each store gets
Dealers can request certain builds, but GST ultimately controls the pipeline. So when a dealer says “this is what we were allocated,” that’s actually true.

Port‑Installed Options (PIO) are also chosen by GST. These are added at the Gulf States port before the dealer ever sees the vehicle. Things like: First aid kit, Pinstripes, TRD accessories, Cargo mats, Auto‑dimming mirror, D‑pillar lights, Running boards.

If it’s a PIO, the dealer can’t remove it. It comes that way from GST.

Dealer‑Installed Options (DIO) ARE created by the dealership. This is where the markup usually happens. Examples: Tint, Paint protection, Nitrogen, VIN etching, Ceramic coating, “Protection packages”

These are the add‑ons you can negotiate or refuse.

 

[TrdProGirl84]

Glad you had a good experience. The Dealerships in my State was out of their minds. I was not paying the crazy markups.

 

[Mad Ghost]

it was a bit below Tsrp, msrp for a 26 this time of year i think would be hard to get msrp or below. TSRP includes port installed options, junk bags etc + delivery charge. So for my allocation finding the options not installed i did not want from gulf port was positve, For this market i think i got a fair deal with the tint etc included. I am sure further north of the country has some better options.

Using the allocations posted on the site here and understanding the options, not targetting dealer holds (deposits) etc and looking at tsrp vs sales price lets you know what you are up against along with dealer history. I also think each deal can differ based on options and timing and your OTD negotiaon price. I did not have forced VPP warranty or hard sell tactics or markup to a vehicle or color or options i was not interested in like i did locally. I am sure it also depends on youe sales associate understanding what kind of buyer you are and what the GSM is willing to do for the deal at the time.

Look at the comparison of vettes when they first roll out on the c8's and how much mark up some dealers will do vs others pretty crazy numbers. For me i went nation wide searching and plugged in the lines in AI and did some checks and balances.


A lot of people get tripped up on MSRP vs. TSRP, so here’s the quick version.


MSRP is the manufacturer’s suggested retail price — basically the official sticker price from the automaker. It includes the base car plus any factory options, but that’s it. No dealer add‑ons, no markup, nothing extra.

TSRP, on the other hand, is something dealers (Toyota dealers especially) use to show the total price they want to sell the car for. That usually means MSRP plus all the dealer-installed stuff like tint, wheel locks, nitrogen, “protection packages,” and sometimes a straight-up market adjustment. So TSRP isn’t a manufacturer number — it’s a dealer number.

As for delivery/destination fees: those are almost never negotiable. They’re set by the manufacturer and every dealer has to charge the same amount. They can’t waive it even if they wanted to. If a dealer says they’re “discounting” the destination fee, they’re just moving the money somewhere else on the deal.

What is negotiable are the dealer add-ons and any markup. You can usually get them to remove or discount those, or make it up in the trade value or financing if they’re being stubborn about the sticker.


A lot of people in Texas get confused about how allocations and options work on Toyotas, especially with the 2026 4Runner. Since we’re in Gulf States Toyota (GST) territory, the process is totally different from what you see in the rest of the country.


Dealers do NOT control their allocations. GST is the one that decides which dealer gets what. They assign: The trims, The colors, The option bundles, How many units each store gets
Dealers can request certain builds, but GST ultimately controls the pipeline. So when a dealer says “this is what we were allocated,” that’s actually true.

Port‑Installed Options (PIO) are also chosen by GST. These are added at the Gulf States port before the dealer ever sees the vehicle. Things like: First aid kit, Pinstripes, TRD accessories, Cargo mats, Auto‑dimming mirror, D‑pillar lights, Running boards.

If it’s a PIO, the dealer can’t remove it. It comes that way from GST.

Dealer‑Installed Options (DIO) ARE created by the dealership. This is where the markup usually happens. Examples: Tint, Paint protection, Nitrogen, VIN etching, Ceramic coating, “Protection packages”

These are the add‑ons you can negotiate or refuse.

Not true about the port installed options. Maybe they want you to believe it’s not optional. But I got the first 4Runner in Texas and had them leave things off the list that were going to be port installed options

 

[Nodak]

it was a bit below Tsrp, msrp for a 26 this time of year i think would be hard to get msrp or below. TSRP includes port installed options, junk bags etc + delivery charge. So for my allocation finding the options not installed i did not want from gulf port was positve, For this market i think i got a fair deal with the tint etc included. I am sure further north of the country has some better options.

Using the allocations posted on the site here and understanding the options, not targetting dealer holds (deposits) etc and looking at tsrp vs sales price lets you know what you are up against along with dealer history. I also think each deal can differ based on options and timing and your OTD negotiaon price. I did not have forced VPP warranty or hard sell tactics or markup to a vehicle or color or options i was not interested in like i did locally. I am sure it also depends on youe sales associate understanding what kind of buyer you are and what the GSM is willing to do for the deal at the time.

Look at the comparison of vettes when they first roll out on the c8's and how much mark up some dealers will do vs others pretty crazy numbers. For me i went nation wide searching and plugged in the lines in AI and did some checks and balances.


A lot of people get tripped up on MSRP vs. TSRP, so here’s the quick version.


MSRP is the manufacturer’s suggested retail price — basically the official sticker price from the automaker. It includes the base car plus any factory options, but that’s it. No dealer add‑ons, no markup, nothing extra.

TSRP, on the other hand, is something dealers (Toyota dealers especially) use to show the total price they want to sell the car for. That usually means MSRP plus all the dealer-installed stuff like tint, wheel locks, nitrogen, “protection packages,” and sometimes a straight-up market adjustment. So TSRP isn’t a manufacturer number — it’s a dealer number.

As for delivery/destination fees: those are almost never negotiable. They’re set by the manufacturer and every dealer has to charge the same amount. They can’t waive it even if they wanted to. If a dealer says they’re “discounting” the destination fee, they’re just moving the money somewhere else on the deal.

What is negotiable are the dealer add-ons and any markup. You can usually get them to remove or discount those, or make it up in the trade value or financing if they’re being stubborn about the sticker.


A lot of people in Texas get confused about how allocations and options work on Toyotas, especially with the 2026 4Runner. Since we’re in Gulf States Toyota (GST) territory, the process is totally different from what you see in the rest of the country.


Dealers do NOT control their allocations. GST is the one that decides which dealer gets what. They assign: The trims, The colors, The option bundles, How many units each store gets
Dealers can request certain builds, but GST ultimately controls the pipeline. So when a dealer says “this is what we were allocated,” that’s actually true.

Port‑Installed Options (PIO) are also chosen by GST. These are added at the Gulf States port before the dealer ever sees the vehicle. Things like: First aid kit, Pinstripes, TRD accessories, Cargo mats, Auto‑dimming mirror, D‑pillar lights, Running boards.

If it’s a PIO, the dealer can’t remove it. It comes that way from GST.

Dealer‑Installed Options (DIO) ARE created by the dealership. This is where the markup usually happens. Examples: Tint, Paint protection, Nitrogen, VIN etching, Ceramic coating, “Protection packages”

These are the add‑ons you can negotiate or refuse.

just be advised, PIO can become DIO if you want to add them after the fact.

they become DIO if they left the port and you decided to you wanted something (like the cargo area lights) while the vehicle is en-route to the dealer already.

the only options you can never add after it leaves the factory is FIO (factory installed options)

i mean you could but that would be on you as a customer, not the dealer as most will not install a factory option

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