Hi,
There is a credit union in Metro Milwaukee area which works with allot of dealerships, and for a simple 5 dollar membership, they can get at or below cost on a new Toyota. They are called "Educator's Credit Union",
www.ecu.com . I was informed too late as I had already taken delivery, that they could get my "S" for $18,300 (my cost) with all the options I have on mine. I paid 20,600 w/ JBL-bluetooth stereo, power pkg, cold weather pkg, spoiler, moonroof. Alas, I paid too much, but if any of you are in the market for one, a road trip to WI might save you a couple of grand. they also offer financing. A few friends took advantage of what they offer, walked into the credit union, signed the paperwork, grabbed a check, walked onto the lot and drove away in their car without ever having to speak to a salesperson other to test drive something before they bought. My next car will be through them. They also take cars in trade and are comparable with other places for trade values. After smelling a coolant leak I started to reconsider my purchase and was disappointed to learn my trade value is only 16000. That was tough to swallow. Good Luck...in hindsight after making my purchase, I would have had more fun in the Xrs.