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

[OR4runner]

Also, I paid cash, and dealers don't like that.

People always say this but I've never seen any dealer not like a cash sale.

I just bought my ORP with cash.
Told the dealer what stock number I wanted, agreed on a price, showed up the next day with a check, drove it home.

No hassles, no issues, no trying to push me into financing.

Sponsored

 

[Island Runner]

That's very similar to what I paid for my 2025 Sport Premium about 6 weeks ago

 

[gvan1998]

People always say this but I've never seen any dealer not like a cash sale.

I just bought my ORP with cash.
Told the dealer what stock number I wanted, agreed on a price, showed up the next day with a check, drove it home.

No hassles, no issues, no trying to push me into financing.

Dealers hate CASH. Dealers make more money when you finance because they get kickbacks from the bank. Why accept cash when you can make more money?

 

[AZ Flag Steve]

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.

 

[6thGen1419]

People always say this but I've never seen any dealer not like a cash sale.

I just bought my ORP with cash.
Told the dealer what stock number I wanted, agreed on a price, showed up the next day with a check, drove it home.

No hassles, no issues, no trying to push me into financing.

I also didn't get any push to finance. I think the dealers make less money when you don't finance with them, so cash sales make them less flexible on sale price? It's not like I buy cars a lot, so I don't know, just what I've read and heard.

 

[shine]

People always say this but I've never seen any dealer not like a cash sale.

I tried purchasing a full MSRP Trailhunter from Peterson Toyota in Boise ID. They said they would not sell it to me unless I financed with them and kept the loan for at least three payments.

Wasn't looking to finance, hate those type of shenanigans, so I ended it there.

 

[OR4runner]

I tried purchasing a full MSRP Trailhunter from Peterson Toyota in Boise ID. They said they would not sell it to me unless I financed with them and kept the loan for at least three payments.

Wasn't looking to finance, hate those type of shenanigans, so I ended it there.

That’s insane. Local dealer has a Trailhunter that’s been sitting for a couple months at $2k off.

 

[shine]

That’s insane. Local dealer has a Trailhunter that’s been sitting for a couple months at $2k off.

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!

 

[SouthCoast]

My ORP was 58,5+ttl, msrp was 63,4... Food for thought

 

[Vahn]

Dealers hate CASH. Dealers make more money when you finance because they get kickbacks from the bank. Why accept cash when you can make more money?

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

 

[gvan1998]

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.

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 mover, 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 waited till Dec of 2025 to buy my 2025 in order for them to be highly motivated by volume and year-end goals.

Well said

 

[Nodak]

lol funny how varied the otd price can be from state to state.

msrp : 67,782
invoice : 63,114 (actual total selling price for me at least)

trade in : 19,000
sub total that tax calcs are based on : 44,114

taxes : 2205 (saved 1,000 with trade in, plus we only have 5% state taxes across the board in ND for non commercial vehicles, no other taxes/fee's can be applied outside of state level.)

license & title : 131 (technically this should be 50 more, but since i just renewed my 2014, i get a credit of 25 for personal plates, 25 for black plate)
dealer doc fee : 225

deposit : 1,000

so technically my otd price : 45,767

taxes, title, license, trade in affect the otd price. also if you buy out of state, some dealers will not add the taxes to the deal so your otd price is even more skewed. you have to pay the taxes when you go register.

as was said, you need the price of the vehicle that calcs are done on.

 

[shine]

Dealers like selling cars.

I wish it was that simple... Dealers like making money. Scroll up a little and you see two dealers that I mentioned that didn't want to sell to me but either held out for more money or put non-monetary hurdles in the way. Happens way too often.

 

[6thGen1419]

Dealers like to make as much money as possible from every car sale.

 

[gvan1998]

apparently certain people think OTD prices are only that matters

Sponsored