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.

 

[ModernDay4Runner]

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

The finance guy at the dealership told me they would make less money if I financed and paid it off immediately because of the $750 military rebate Toyota Finance would make the dealership eat. I know if its hard for some people to admit they don't know everything about a certain topic or think outside of the most basic concepts or a principle (talking about you now) but the finance guy at the dealership told me that. And..,,, when I called Toyota Finance to get them to confirm that there were no strings attached to the $750 military rebate (such as the rumor that if you pay off in less than 90 days, Toyota revokes the rebate). They confirmed for me that there is no repercussion to the buyer that pays off early and instead, the dealership has an adjustment applied to the deal (confirming what the dealership finance guy told me). That said, you can continue to act like you know stuff that you don't really know. Fine with me. You look foolish when you do that though.

If I paid cash, I would not be entitled to the rebate, so I would have paid more for the vehicle. I financed and paid it all with zero interest which is essentially a cash deal in which I paid less. The finance guy at the dealership in my case said he would have preferred I just paid cash to begin with because of the rebate. Would he tell me that because he wanted to make less money?

 

[gvan1998]

The finance guy at the dealership told me they would make less money if I financed and paid it off immediately because of the $750 military rebate Toyota Finance would make the dealership eat. I know if its hard for some people to admit they don't know everything about a certain topic or think outside of the most basic concepts or a principle (talking about you now) but the finance guy at the dealership told me that. And..,,, when I called Toyota Finance to get them to confirm that there were no strings attached to the $750 military rebate (such as the rumor that if you pay off in less than 90 days, Toyota revokes the rebate). They confirmed for me that there is no repercussion to the buyer that pays off early and instead, the dealership has an adjustment applied to the deal (confirming what the dealership finance guy told me). That said, you can continue to act like you know stuff that you don't really know. Fine with me. You look foolish when you do that though.

If I paid cash, I would not be entitled to the rebate, so I would have paid more for the vehicle. I financed and paid it all with zero interest which is essentially a cash deal in which I paid less. The finance guy at the dealership in my case said he would have preferred I just paid cash to begin with because of the rebate. Would he tell me that because he wanted to make less money?

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

 

[ModernDay4Runner]

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

the "bank" was toyota finance, and they billed the dealership the $750 rebate. I paid zero interest.

 

[gvan1998]

the "bank" was toyota finance, and they billed the dealership the $750 rebate. I paid zero interest.

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.

 

[ModernDay4Runner]

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.

So in my case, the dealer made less money with a finance deal (which is contrary to your earlier post).


You're welcome.

 

[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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