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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[ModernDay4Runner]

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?

Because people can get denied for loans, so as soon as someone says I have cash, that is one less possible impediment to the deal.

Another reason a dealer would prefer cash involves the $750 military rebate. I financed my 4Runner with Toyota Finance which was required to get the $750 military rebate. I then paid off the entire loan balance on the first payment. My understanding is the dealership ends up eating that $750 rebate. Toyota Finances bills that back to the dealership.

Cash is King.

 

[gvan1998]

Because people can get denied for loans, so as soon as someone says I have cash, that is one less possible impediment to the deal.

Another reason a dealer would prefer cash involves the $750 military rebate. I financed my 4Runner with Toyota Finance which was required to get the $750 military rebate. I then paid off the entire loan balance on the first payment. My understanding is the dealership ends up eating that $750 rebate. Toyota Finances bills that back to the dealership.

Cash is King.

The dealer makes less money with cash!!!!

 

[ModernDay4Runner]

The dealer makes less money with cash!!!!

Not in my situation, but if you want to stay locked in on your opinion and not consider variables, I get it.

 

[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]

Not in my situation, but if you want to stay locked in on your opinion and not consider variables, I get it.

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.

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