buying Sienna now How did YOU do it?

Hi all,

We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly thought
of paying cash, but looking into option of financing it for 5 years.
(Financial advisor said for our situation its a better option to finance.)
I wonder how did you guys do it? Bought it cash, financed or leased? How
much was finaly price (out the door) after tax, registration fee (and what
else)? Mainly if you financed for 5 years at what % ?

The dealer told me that regarding daytime running lights "it has to be
programmed that way, and if you want I will do it".. Are there 'programable'
things to this mini van? And ONLY the dealer may do it??

Thanks alot,
Erina

"Erina Mashes" <shamtire@verizon.net> wrote in message
news:KEqve.2514$Q27.579@trndny02...[color=blue]
> Hi all,
>
> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly thought
> of paying cash, but looking into option of financing it for 5 years.
> (Financial advisor said for our situation its a better option to finance.)
> I wonder how did you guys do it? Bought it cash, financed or leased? How
> much was finaly price (out the door) after tax, registration fee (and what
> else)? Mainly if you financed for 5 years at what % ?
>[/color]

In order to compare final out the door prices, the vehicles have to be same
level of trim, with the same options.
[color=blue]
> The dealer told me that regarding daytime running lights "it has to be
> programmed that way, and if you want I will do it".. Are there
> 'programable' things to this mini van? And ONLY the dealer may do it??
>
> Thanks alot,
> Erina[/color]
Yes, there are programmable things to the Sienna. I don't know about the
daytime running lights, but the keyless entry and automatic headlights are
among the programmable features.

Someone other than a dealer can program it but you will be hard pressed to
find someone other than a dealer who knows how to do the programming.
--
Ray O
correct the return address punctuation to reply

Ray,

<<In order to compare final out the door prices, the vehicles have to be
same
level of trim, with the same options.>>

Package #6.


"Ray O" <rokigawa@tristarassociatesDOT.com> wrote in message
news:7f62a$42be3fc2$180fead6$25672@msgid.meganewsservers.com...[color=blue]
>
> "Erina Mashes" <shamtire@verizon.net> wrote in message
> news:KEqve.2514$Q27.579@trndny02...[color=green]
>> Hi all,
>>
>> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly
>> thought of paying cash, but looking into option of financing it for 5
>> years. (Financial advisor said for our situation its a better option to
>> finance.) I wonder how did you guys do it? Bought it cash, financed or
>> leased? How much was finaly price (out the door) after tax, registration
>> fee (and what else)? Mainly if you financed for 5 years at what % ?
>>[/color]
>
> In order to compare final out the door prices, the vehicles have to be
> same level of trim, with the same options.
>[color=green]
>> The dealer told me that regarding daytime running lights "it has to be
>> programmed that way, and if you want I will do it".. Are there
>> 'programable' things to this mini van? And ONLY the dealer may do it??
>>
>> Thanks alot,
>> Erina[/color]
> Yes, there are programmable things to the Sienna. I don't know about the
> daytime running lights, but the keyless entry and automatic headlights are
> among the programmable features.
>
> Someone other than a dealer can program it but you will be hard pressed to
> find someone other than a dealer who knows how to do the programming.
> --
> Ray O
> correct the return address punctuation to reply
>[/color]

Check out SiennaClub.org on the web. The #1 Toyota Sienna info. source in
the world!

You can find postings regarding ways to get better deals and what you
can/can't program yourself, among other topics.

Later.

"Erina Mashes" <shamtire@verizon.net> wrote in
news:KEqve.2514$Q27.579@trndny02:
[color=blue]
> Hi all,
>
> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly
> thought of paying cash, but looking into option of financing it for 5
> years. (Financial advisor said for our situation its a better option
> to finance.) I wonder how did you guys do it? Bought it cash, financed
> or leased? How much was finaly price (out the door) after tax,
> registration fee (and what else)? Mainly if you financed for 5 years
> at what % ?
>[/color]

Do your homework before walking into the dealership. Financing isn't at
the dealership for convenience of the customer, it's a profit center.

Investigate the rates you can get from your bank, online, and a credit
union. Any numbers you can get will help you understand what you are
being offered at the dealer. Also get a copy of your credit score and
credit report (these can be obtained online for a nominal fee and there
are many sources of free trials for services that will give you the info
then you simply cancel the service immediately).

Also consider using a home equity loan as a funding source. It's not
right for everybody but it is a consideration.

Armed with all this info, we went in, made our best deal, and then talked
to the finance guy. The financing process was no different than the
buying process. The first offer wasn't the best they could do and I knew
it. I asked for my credit score suddenly the process changed and the
numbers got much better. When I wavered on the extended warrenty, it
came down as well and the pot was sweetened with some included scheduled
maintenence (oil changes, tire rotations, etc.)

When all was said and done, we went with financing from the dealer
(through a regional bank headquartered in the same state actually) for 63
months (same rate as 60 months, I'm making payments as if it were for 60
months plus a little extra). The finance guy beat my local bank by
almost 3%, the credit union by almost 2% and the best number I could find
online by about 1.5%.

In article <KEqve.2514$Q27.579@trndny02>,
"Erina Mashes" <shamtire@verizon.net> wrote:
[color=blue]
> Hi all,
>
> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly thought
> of paying cash, but looking into option of financing it for 5 years.
> (Financial advisor said for our situation its a better option to finance.)
> I wonder how did you guys do it? Bought it cash, financed or leased? How
> much was finaly price (out the door) after tax, registration fee (and what
> else)? Mainly if you financed for 5 years at what % ?
>
> The dealer told me that regarding daytime running lights "it has to be
> programmed that way, and if you want I will do it".. Are there 'programable'
> things to this mini van? And ONLY the dealer may do it??
>
> Thanks alot,
> Erina[/color]

Unless your money is doing really good in the stock market or bonds then
I'd pay cash. What can you get a car loan for?

Your owners manual will tell you about configuring the door locks and
some of the light functions. The DRLs are enabled/disabled with a fuse
jumper under the hood.
--

Tony,

Thanks for the info!! Your message here is helping me make the dealer make
a better 'price' for me!

THANX!!!!!!

"Tony Rice" <rtphokie@gmail.com> wrote in message
news:Xns9681552C3A516jkl123iop@216.196.97.131...[color=blue]
> "Erina Mashes" <shamtire@verizon.net> wrote in
> news:KEqve.2514$Q27.579@trndny02:
>[color=green]
>> Hi all,
>>
>> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly
>> thought of paying cash, but looking into option of financing it for 5
>> years. (Financial advisor said for our situation its a better option
>> to finance.) I wonder how did you guys do it? Bought it cash, financed
>> or leased? How much was finaly price (out the door) after tax,
>> registration fee (and what else)? Mainly if you financed for 5 years
>> at what % ?
>>[/color]
>
> Do your homework before walking into the dealership. Financing isn't at
> the dealership for convenience of the customer, it's a profit center.
>
> Investigate the rates you can get from your bank, online, and a credit
> union. Any numbers you can get will help you understand what you are
> being offered at the dealer. Also get a copy of your credit score and
> credit report (these can be obtained online for a nominal fee and there
> are many sources of free trials for services that will give you the info
> then you simply cancel the service immediately).
>
> Also consider using a home equity loan as a funding source. It's not
> right for everybody but it is a consideration.
>
> Armed with all this info, we went in, made our best deal, and then talked
> to the finance guy. The financing process was no different than the
> buying process. The first offer wasn't the best they could do and I knew
> it. I asked for my credit score suddenly the process changed and the
> numbers got much better. When I wavered on the extended warrenty, it
> came down as well and the pot was sweetened with some included scheduled
> maintenence (oil changes, tire rotations, etc.)
>
> When all was said and done, we went with financing from the dealer
> (through a regional bank headquartered in the same state actually) for 63
> months (same rate as 60 months, I'm making payments as if it were for 60
> months plus a little extra). The finance guy beat my local bank by
> almost 3%, the credit union by almost 2% and the best number I could find
> online by about 1.5%.[/color]

If you got cash, pay cash.



"Erina Mashes" <shamtire@verizon.net> wrote in message
news:KEqve.2514$Q27.579@trndny02...[color=blue]
> Hi all,
>
> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly thought
> of paying cash, but looking into option of financing it for 5 years.
> (Financial advisor said for our situation its a better option to finance.)
> I wonder how did you guys do it? Bought it cash, financed or leased? How
> much was finaly price (out the door) after tax, registration fee (and what
> else)? Mainly if you financed for 5 years at what % ?
>
> The dealer told me that regarding daytime running lights "it has to be
> programmed that way, and if you want I will do it".. Are there
> 'programable' things to this mini van? And ONLY the dealer may do it??
>
> Thanks alot,
> Erina
>[/color]

"Tony Rice" <rtphokie@gmail.com> wrote in message
news:Xns9681552C3A516jkl123iop@216.196.97.131...[color=blue]
> Do your homework before walking into the dealership. Financing isn't at
> the dealership for convenience of the customer, it's a profit center.[/color]

While that's true, it also doesn't rule out getting the best rate from the
dealership.

At the end of last month, when we bought our van, our own bank wanted more
than 8% for 5 years new car rate. Capitol One was offering 5.3% for same. We
ended up going with Toyota Financial Services when they offered 5.25%. We
did opt for a $500 rebate instead of a 3.9% offer, mainly because we put 50%
down and intend to pay the loan off before it matures.

Later.

I have a 1998 Toyota Sienna... if I had it to do over I would buy a Honda
Mini Van... also have a friend that purchased the first model year of the
new Sienna's and he feels the same way.... I am really disappointed in my
Toyota experience!

--

"Art" <begunaNOSPAMPLEASE@mindspring.com> wrote in message
news:nCJve.12185$pa3.4576@newsread2.news.atl.earthlink.net...[color=blue]
> If you got cash, pay cash.
>
>
>
> "Erina Mashes" <shamtire@verizon.net> wrote in message
> news:KEqve.2514$Q27.579@trndny02...[color=green]
> > Hi all,
> >
> > We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly[/color][/color]
thought[color=blue][color=green]
> > of paying cash, but looking into option of financing it for 5 years.
> > (Financial advisor said for our situation its a better option to[/color][/color]
finance.)[color=blue][color=green]
> > I wonder how did you guys do it? Bought it cash, financed or leased? How
> > much was finaly price (out the door) after tax, registration fee (and[/color][/color]
what[color=blue][color=green]
> > else)? Mainly if you financed for 5 years at what % ?
> >
> > The dealer told me that regarding daytime running lights "it has to be
> > programmed that way, and if you want I will do it".. Are there
> > 'programable' things to this mini van? And ONLY the dealer may do it??
> >
> > Thanks alot,
> > Erina
> >[/color]
>
>[/color]

"Private Person" <ries@ccountry.net> wrote in
news:11c0o2uq4qjb131@corp.supernews.com:
[color=blue]
>
> "Tony Rice" <rtphokie@gmail.com> wrote in message
> news:Xns9681552C3A516jkl123iop@216.196.97.131...[color=green]
>> Do your homework before walking into the dealership. Financing isn't
>> at the dealership for convenience of the customer, it's a profit
>> center.[/color]
>
> While that's true, it also doesn't rule out getting the best rate from
> the dealership.
>
> At the end of last month, when we bought our van, our own bank wanted
> more than 8% for 5 years new car rate. Capitol One was offering 5.3%
> for same. We ended up going with Toyota Financial Services when they
> offered 5.25%. We did opt for a $500 rebate instead of a 3.9% offer,
> mainly because we put 50% down and intend to pay the loan off before
> it matures.[/color]

Your experiences almost exactly mirror ours. We opted for a slightly
higher rate because the finance guy offered to lower the price of the
extended warrenty. Even if I pay the vehicle off in the number of months
specified in the loan, I'll save a little money. If I pay it off early as
planned, I'll save a lot more money.

Erina Mashes wrote:
[color=blue]
> Hi all,
>
> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly thought
> of paying cash, but looking into option of financing it for 5 years.
> (Financial advisor said for our situation its a better option to finance.)[/color]

He's full of it. Cash has three big things going for it:
1: No financing or interest. Essentially a 0% loan.
2: No payment. Given the way the economy is teetering
and showing signs of instability, owning it outright
means that your monthly cashflow if times get bad is that much
less.
3: You don't have to get collision on the car if you don't want
to, or you can drop it down to saner levels to save a lot.

Financing is just money in somoene else's pocket and like
your house payment, sometihng that you are locked into no
matter what life throws at you.

Jim Simonin wrote:
[color=blue]
> I have a 1998 Toyota Sienna... if I had it to do over I would buy a Honda
> Mini Van... also have a friend that purchased the first model year of the
> new Sienna's and he feels the same way.... I am really disappointed in my
> Toyota experience![/color]

On that note, the Honda is a better minivan. OTOH, it's
overpriced and is bland as paste. The Toyota is also
simmilar, btw.

You might consider one of the hybrid vehicles(not
HYBRID-engine) that are half SUV and half Minivan. They
are usually made better and last longer. Or just get
a factory certified 4-runner. Nothing wrong with that. :)
(I'm not a fan of any minivan)

Honda overpriced? The Honda van is actually the best priced on the road if
you can avoid dealer gouging.


"Joseph Oberlander" <josephoberlander@earthlink.net> wrote in message
news:W1ewe.10676$hK3.7144@newsread3.news.pas.earthlink.net...[color=blue]
>
>
> Jim Simonin wrote:
>[color=green]
>> I have a 1998 Toyota Sienna... if I had it to do over I would buy a Honda
>> Mini Van... also have a friend that purchased the first model year of the
>> new Sienna's and he feels the same way.... I am really disappointed in my
>> Toyota experience![/color]
>
> On that note, the Honda is a better minivan. OTOH, it's
> overpriced and is bland as paste. The Toyota is also
> simmilar, btw.
>
> You might consider one of the hybrid vehicles(not
> HYBRID-engine) that are half SUV and half Minivan. They
> are usually made better and last longer. Or just get
> a factory certified 4-runner. Nothing wrong with that. :)
> (I'm not a fan of any minivan)
>[/color]

Driving a $25k vehicle without collision insurance is nuts. Get a high
deductible but keep the collision coverage.


"Joseph Oberlander" <josephoberlander@earthlink.net> wrote in message
news:NVdwe.10672$hK3.4041@newsread3.news.pas.earthlink.net...[color=blue]
>
>
> Erina Mashes wrote:
>[color=green]
>> Hi all,
>>
>> We are finaly buying a Toyota Sienna minivan! (YAY!) ... Originaly
>> thought of paying cash, but looking into option of financing it for 5
>> years. (Financial advisor said for our situation its a better option to
>> finance.)[/color]
>
> He's full of it. Cash has three big things going for it:
> 1: No financing or interest. Essentially a 0% loan.
> 2: No payment. Given the way the economy is teetering
> and showing signs of instability, owning it outright
> means that your monthly cashflow if times get bad is that much
> less.
> 3: You don't have to get collision on the car if you don't want
> to, or you can drop it down to saner levels to save a lot.
>
> Financing is just money in somoene else's pocket and like
> your house payment, sometihng that you are locked into no
> matter what life throws at you.
>[/color]